SBI Group Health Insurance
  • High Sum Insured
  • Easy Policy Renewal
  • 10% copayment
SBI Group Health Insurance
Network hospitals

Network hospitals

6000+

Incurred claim ratio

Incurred claim ratio

73.92%

Sum insured

Sum insured

Up to 2 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.8

Pan India Presence

Pan India Presence

141+

Customized Health Insurance Plan for you.

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SBI Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insurance policy by SBI offers multiple sum insured options and many benefits for its customers. With SBI Group Health Insurance, policyholders can avail cashless emergency as well as planned treatments in any of the 20000+ network hospitals of the company. All the hospitalization expenses such as in-patient hospitalization and daycare treatments are covered under the SBI Group Health Insurance Policy. Besides covering basic medical expenses, SBI health insurance also offers many other protections such as ambulance expenses, pre and post-hospitalisation expenses, several other expenses and policy renewal benefits.

SBI Health Insurance Detailed Review

SBI Group Health Insurance

SBI Group Health Insurance Specifications

To understand SBI Group Health Insurance Insurance in detail, take a look at the below table:

Entry Age

18 to 65 years

Policy Type

Group Health Insurance

Sum Insured

1 L | 2 L | 3 L | 4 L | 5 L

Initial Waiting Period*

30 Days

Renewability

N/A

Policy Term

N/A

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your SBI Group Health Insurance

With wide coverage options available, SBI Group Health Insurance Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Not Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

SBI Group Health Insurance Benefits

SBI Group Health Insurance has multiple advantages that policyholders can avail of after the purchase, read more below:

  • Less Waiting Period

    With SBI Group Health Insurance policyholders get a waiting period of 30 days and 1 year for specified diseases and 4 years for pre-existing diseases.
  • Hospitalisation Coverage

    Policyholder gets coverage of 30 Days Pre and 60 Days Post Hospitalisation Expenses.
  • Wide Range Coverage

    Policyholders get a Wide Coverage of the Sum Insured – From 100,000 up to 500,000.
  • Cashless Benefit

    When an individual purchases SBI Group Health Insurance he can get cashless treatment at over 2,0000 Network Hospitals
  • Multiple Coverage

    Policyholders get Multiple Coverage Options – Individual & Family Floater, you and your legal spouse and two legal & dependent children.
  • Tax Benefits

    The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
  • No Pre-Medical Checkup Benefit

    When an individual purchases SBI Group Health Insurance he can get No pre-policy medical test up to the age of 65 years for people with no medical history

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

SBI Group Health Insurance Exclusions

Permanent diseases or health conditions that are not included under SBI Group Health Insurance are:

Complications or treatment arising out of pre-existing conditions and treatment of illnesses such as ulcers, tonsillectomy, hernia, cataract, sinusitis, adenoidectomy, chronic renal failure during the first year of operation of the policy

Any disease contracted during the first 30 days of commencement of the policy is excluded.

One year of the waiting period is mandatory for certain specified diseases like hernia and other treatment expenses will not be compensated.

Stay in a hospital without undertaking any active regular treatment by the medical practitioner.

Treatment with alternative medicines like acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy.

Treatment taken outside India.

Pregnancy treatment or complications like postnatal treatment, abortion, childbirth, or any prenatal miscarriage.

Outpatient treatment.

Congenital diseases.

Expenses related to AIDS and related diseases.

Hospitalization out of war, riot, strike, and nuclear weapons

Use/Abuse of intoxicating drugs or alcohol.

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain period. Read the details below:

Listed ailments after 48 Months

Pre-existing diseases after 48 Months

Explore other SBI Health Insurance

To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:

Individual

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...

Unique Features

  • Covers in-patient treatment
  • HIV/AIDS cover
  • Power against disability

SBI Divyanga Suraksha Policy (Pros)

SBI Divyanga Suraksha Policy
  • Pre and post-hospitalization
  • Medical treatment
  • Daycare procedures
  • Cataract cover

SBI Divyanga Suraksha Policy (Cons)

SBI Divyanga Suraksha Policy
  • Domiciliary hospitalization
  • Vaccination
  • Health check-ups
  • Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

SBI Divyanga Suraksha Policy
  • Modern treatment cover
  • In-patient treatment
  • AYUSH care
  • PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

SBI Divyanga Suraksha Policy
  • Entry age: 18 o 65 years
  • SI: 4 & 5 Lakhs
  • Initial Waiting Period: 30 days

Individual and Family Health Insurance

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...

Unique Features

  • Plan Specifications
  • Eligibility
  • Inclusions and Exclusions

Arogya Premier Policy (Pros)

Arogya Premier Policy
  • In-patient hospitalization expenses
  • Pre and post-hospitalization
  • AYUSH treatments
  • Maternity expenses

Arogya Premier Policy (Cons)

Arogya Premier Policy
  • Daily hospital cash cover
  • Newborn baby cover
  • Global coverage
  • Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Arogya Premier Policy
  • Mental illness cover
  • HIV/AIDS cover
  • Internal congenital diseases
  • Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Arogya Premier Policy
  • Entry Age: 3 Months to 65 Year
  • Sum Insured: 10 to 30 Lakhs
  • Initial Waiting Period: 30 days

Individual and Family Health Insurance

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...

Unique Features

  • What is Arogya Plus?
  • Know the Eligibility Criteria
  • Premiums Sample Illustration

Arogya Plus Policy (Pros)

Arogya Plus Policy
  • OPD cover
  • In-patient hospitalization
  • Pre & post hospitalization

Arogya Plus Policy (Cons)

Arogya Plus Policy
  • Newborn baby cover
  • Vaccination
  • Compassionate travel
  • Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

Arogya Plus Policy
  • AYUSH treatment
  • Domiciliary hospitalization
  • HIV/AIDS cover
  • Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Arogya Plus Policy
  • Entry Age: 3 Months to 65 Years
  • Sum Insured: 1/2/3 L
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...

Unique Features

  • Enhanced coverage
  • Eligibility criteria
  • Key features

SBI Arogya Top-Up Policy (Pros)

SBI Arogya Top-Up Policy
  • In-patient hospitalisation
  • Pre & post hospitalisation
  • Ambulance cover

SBI Arogya Top-Up Policy (Cons)

SBI Arogya Top-Up Policy
  • Global coverage
  • Air ambulance
  • Compassionate visit
  • OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

SBI Arogya Top-Up Policy
  • Organ donor expenses
  • Domiciliary treatment
  • Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

SBI Arogya Top-Up Policy
  • Entry age: 3 months to 65 years
  • SI: 1 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...

Unique Features

  • Affordable Health Plan
  • Eligibility Criteria
  • Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

SBI Arogya Sanjeevani Policy
  • In-patient hospitalization
  • Pre and post-hospitalization care
  • ICU expenses
  • Daycare treatment
  • Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

SBI Arogya Sanjeevani Policy
  • Modern treatment unavailable
  • OPD not covered
  • Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

SBI Arogya Sanjeevani Policy
  • Deep Brain Stimulation
  • Balloon Sinuplasty
  • Oral Chemotherapy
  • Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

SBI Arogya Sanjeevani Policy
  • Entry Age: 18 to 65 Years
  • SI: 50K to 1 Lakhs
  • Initial waiting period: 30 days

Critical Illness Health Insurance

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

  • Coverage for Cancer
  • Eligibility Criteria
  • Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

SBI Critical Illness Policy
  • 13 critical illnesses
  • COVID- 19 covered
  • Air ambulance services

SBI Critical Illness Policy (Cons)

SBI Critical Illness Policy
  • Maternity cover
  • OPD and daycare unavailable
  • Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

SBI Critical Illness Policy
  • Emergency medical cover
  • No Maximum age limit
  • SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

SBI Critical Illness Policy
  • Entry age: 5 years to No limit
  • SI: 3 to 10 Lakhs
  • Initial waiting period: 90 days

Individual

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...

Unique Features

  • Loan repayment benefits
  • Plan details
  • Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

SBI Loan Insurance Policy
  • Pays out max 3 EMIs
  • Pays outstanding loan
  • PTD benefits

SBI Loan Insurance Policy (Cons)

SBI Loan Insurance Policy
  • Drug abuse or alcoholism
  • HIV/AIDS
  • Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

SBI Loan Insurance Policy
  • Accidental cover
  • Critical illnesses cover
  • Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

SBI Loan Insurance Policy
  • Entry Age: 18 to 65 years
  • SI: 1 Crore
  • Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...

Unique Features

  • Complete protection
  • Choose SI
  • Choose policy tenure

SBI Arogya Supreme Policy (Pros)

SBI Arogya Supreme Policy
  • Domestic Air Ambulance Cover
  • Compassionate Benefit
  • Recovery Benefit

SBI Arogya Supreme Policy (Cons)

SBI Arogya Supreme Policy
  • Automatic restoration
  • Maternity cover unavailable
  • Newborn baby cover
  • 2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

SBI Arogya Supreme Policy
  • E-Opinion Cover
  • Preventive Health Check-up
  • Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

SBI Arogya Supreme Policy
  • Entry age: 18 to 65 years
  • Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
  • Policy Term 1/2/3 Years
  • Initial Waiting Period 30 Days

Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...

Unique Features

  • High Sum Insured
  • Easy Policy Renewal
  • 10% copayment

SBI Group Health Insurance (Pros)

SBI Group Health Insurance
  • In-patient hospitalization
  • Daycare treatments
  • Co-payment clause

SBI Group Health Insurance (Cons)

SBI Group Health Insurance
  • Room rent unavailable
  • OPD not covered
  • Organ donor expenses
  • Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

SBI Group Health Insurance
  • Ambulance expenses
  • Pre & post-hospitalisation
  • Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

SBI Group Health Insurance
  • Entry age: 18 to 65 years
  • Sum insured: 1 to 5 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...

Unique Features

  • Avail Global Treatment
  • Multiple Discounts
  • 18 Optional Covers

SBI Health Edge Policy (Pros)

SBI Health Edge Policy
  • In-patient hospitalization
  • Pre and Post-hospitalization
  • Daycare treatments
  • Emergency ambulance cover

SBI Health Edge Policy (Cons)

SBI Health Edge Policy
  • Organ donor
  • Compassionate visit
  • Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

SBI Health Edge Policy
  • Bariatric Surgery Cover
  • Modern Treatments
  • AYUSH Treatments
  • Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

SBI Health Edge Policy
  • Entry Age: 18 to 65 Years
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...

Unique Features

  • Unlimited Re-insure Benefit
  • Wellness Benefits
  • Annual Health Check-ups

Super Health Policy (Pros)

Super Health Policy
  • Tax benefit
  • Reinsure benefit
  • Health multiplier
  • Optional covers

Super Health Policy (Cons)

Super Health Policy
  • Cosmetic treatment
  • Injury due to illegal activities
  • Unlawful activities
  • Adventure sports injuries

Super Health Policy (Other Benefits)

Super Health Policy
  • OPD expenses
  • International treatment
  • SI up to 2 Crores
  • Flexible premium payments

Super Health Policy (Eligibility Criteria)

Super Health Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

SBI Group Health Insurance: FAQs

1. Does SBI Group Health Insurance cover Maternity charges?

No, SBI Group Health Insurance does not cover Maternity charges.

2. Does SBI Group Health Insurance cover Air Ambulance charges?

No, SBI Group Health Insurance does not cover Air Ambulance charges.

3. Does SBI Group Health Insurance cover ICU charges?

Yes, SBI Group Health Insurance covers ICU charges (2% /day for ICU).

4. Do policyholders get a cover against COVID-19 under SBI Group Health Insurance?

No, policyholders are not covered for COVID-19 under SBI Group Health Insurance.

5. What is the waiting period for SBI Group Health Insurance?

SBI Group Health Insurance the policyholders get a waiting period of 30 days and 1 year for specified diseases and 4 years for pre-existing diseases.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.