SBI Group Health Insurance
  • Large Sum Insured
  • Easy Policy Renewal
  • 10% copayment
SBI Health Insurance
premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

6000+

premium

Incurred claim ratio

73.92%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.8

premium

Pan India Presence

141

SBI Group Policy

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 cover for 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 too.

SBI Group Health Insurance Specifications

Entry Age

18 Years

Maximum Age

65 Years

Sum Insured

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

Plan Type

Individual/Family Floater

Policy Term

N/A

Initial Waiting Period

30 days / 1 year for specified diseases.4 years for pre-existing diseases.

*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.

Choose your SBI Group Health Insurance

With comprehensive coverage options, SBI Group Health Insurance lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Not Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Applicable

Automatic Restoration

Not Applicable

Daily Hospital Cash

Available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available , Ony Pre Health Checkup Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable,10% on admissible claims

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, the room rent is not covered.

What are ICU Charges?

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, ICU charges are covered up to 2% /day for the Sum Insured.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan medical expenses incurred during pre-hospitalization are covered for up to 30 days.

What is Post Hospitalization?

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance, domiciliary hospitalization is covered subject to a maximum of 20% of the Sum Insured or INR 20000, whichever is less.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under SBI Group Health Insurance?

SBI Group Health Insurance covers the expenses of daycare treatment up to SI.

What are OPD charges?

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

Coverage status under SBI Group Health Insurance?

SBI Group Health Insurance does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under SBI Group Health Insurance?

COVID-19 treatment is not covered by SBI Group Health Insurance Plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Group Health Insurance?

SBI Group Health Insurance Plan does cover cataract treatment.

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 on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under SBI Group Health Insurance?

The cumulative Bonus is not available under SBI Group Health Insurance.

What is Automatic Restoration?

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance automatic restoration is not available. This Policy may be renewed by mutual consent every year.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under SBI Group Health Insurance?

The daily hospital cash is available under SBI Group Health Insurance as an add-on benefitsubject to a maximum of 20% of the Sum Insured or INR 20000, whichever is less.

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.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance, organ donor expenses not are covered.

What is a Maternity Cover?

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

Coverage status under SBI Group Health Insurance?

Under the SBI Group Health Insurance Plan, maternity expenses are not covered.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, the newborn baby cover is not available

What is AYUSH Treatment?

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

Coverage status under SBI Group Health Insurance?

Not Covered Under SBI Group Health Insurance.

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 for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance modern treatments are not covered.

What is an Ambulance Cover?

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

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, Ambulance expenses are covered by 1% of SI up to a max. of ` INR 1500.

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.

Coverage status under National Arogya Sanjeevani Plan?

Under SBI Group Health Insurance Plan, Air Ambulance is not covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance compassionate plan is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Global coverage is not available.

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.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance e-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance, a health checkup is not covered. Only a pre-acceptance Health Check is not mandatory for people covered under SBI General Group Health Insurance.

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.

Coverage status under SBI Group Health Insurance?

Under the SBI Group Health Insurance second medical opinion is not covered.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under SBI Group Health Insurance?

Under SBI Group Health Insurance Plan, vaccination expenses are not covered.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under SBI Group Health Insurance?

It is applicable under SBI Group Health Insurance, Co-Payment on claims in non-network hospitals - 10% on all eligible admissible claims.

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.

Coverage status under SBI Group Health Insurance?

Not Applicable under SBI Group Health Insurance.

Other Health Insurance Companies

SBI Group Health Insurance Benefits

SBI Group Health Insurance has multiple advantages that policyholders can avail after the purchase.

Less Waiting Period

Minimal Waiting Period

Hospitalisation Coverage

Multiple discount options

Wide Range Coverage

Large Sum Insured

Cashless Benefit

Benefit at the network hospital

No Pre-Medical CheckupBenefit

No medical checkup up to age 65

Multiple Coverage

Large Sum Insured

Tax Benefits

Get tax relief under section 80D

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 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

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

Multiple Coverage

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

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

SBI Group Health Insurance Exclusions

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

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

Listed ailments after 48 months

Pre-existing diseases after 48 months

Explore other Sbi Health Plans

SBI Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive plan

A comprehensive health insurance plan with 9 base covers and 18 optional covers offering a wide range of sum insured from 3 to 25 Lakhs.

Unique Features

  • Optional Covers
  • Multiple Discounts
  • Tax Benefits

SBI Health Edge (Pros)

  • High SI up to 25 L
  • Unlimited Refill
  • Wellness Cover
  • Long-term Policy
  • AYUSH Cover

SBI Health Edge (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Health Edge (Other Benefits)

  • Family Floater Cover
  • Annual Health Check-up
  • Domestic Help Cover
  • Global Treatment
  • New Born Baby Cover

SBI Health Edge (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Comprehensive plan

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

SBI Arogya Supreme (Pros)

  • E - Consultations
  • Sum Insured Refill
  • Air Ambulance
  • Long-term Policy
  • AYUSH Cover

SBI Arogya Supreme (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Supreme (Other Benefits)

  • Multiple Discounts
  • Annual Health Check-up
  • Mental Health Care
  • Cataract Treatment
  • E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

Comprehensive/ Family Floater Plan

A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.

Unique Features

  • 12 advanced treatment procedures
  • SI Auto Restoration
  • No pre medical up to 55 years

Arogya Premier Plan (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

Arogya Premier Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Premier Plan (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

Arogya Premier Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Arogya Plus Plan (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Maternity Cover
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Plus Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Plus Plan (Other Benefits)

  • Nursing Expenses
  • Domiciliary Hospitalization
  • AYUSH Cover
  • Medicines Cover
  • Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 L
  • Waiting Period - 30 Days

Standard Plan

A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

SBI Arogya Sanjeevani (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

SBI Arogya Sanjeevani (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Sanjeevani (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

SBI Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

Affordable Plan

SBI Retail Health Insurance Policy

A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.

Unique Features

  • Consultancy Cover
  • Tax Benefits
  • SI Upto 5 L

Retail Health Policy (Pros)

  • Add-on Covers Available
  • ICU Benefit
  • Ambulance Cover
  • Free Medical Check-up
  • Parental Care

Retail Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Retail Health Policy (Other Benefits)

  • High SI
  • Child Care
  • Cataract Care
  • AYUSH Care
  • Mental Illness

Retail Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Individual/Family Floater Plan

An all-inclusive insurance cover to cater to your health & fitness needs. It is an individual and family floater policy with 7 optional covers to select from.

Unique Benefits

  • Tax Benefits
  • Reinsure Benefit
  • Health Multiplier

Super Health Insurance (Pros)

  • Enhanced Cumulative Bonus
  • Daycare Procedures
  • Maternity Cover
  • Annual Health Check-up
  • Optional Covers

Super Health Insurance (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Super Health Insurance (Other Benefits)

  • OPD Expenses
  • International Treatment
  • SI up to 2 Crores
  • Flexible-Premium Payment
  • Domestic Staff Cover

Super Health Insurance (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 2 Crore
  • Waiting Period - 30 Days

Individual/Family Floater Plan

SBI Divyanga Suraksha

This plan is designed to provide healthcare coverage to individuals with disabilities and HIV/AIDS offering a sum insured of INR 4 and 5 Lakhs.

Unique Features

  • In-Patient Hospitalization
  • Tax Benefits
  • SI Upto 5 L

Divyanga Suraksha (Pros)

  • AYUSH Cover
  • Room Rent Cover
  • ICU Cover
  • Ambulance Cover
  • Cataract Cover

Divyanga Suraksha (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Divyanga Suraksha (Other Benefits)

  • Modern Treatment
  • Pre-hospitalization
  • Post-hospitalization
  • HIV/AIDS Cover
  • Disability Cover

Divyanga Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 7 5 L
  • Waiting Period - 30 Days

Corona Kavach

SBI Corona Kavach Policy

A standard corona-specific health cover that protects you from COVID-19. The plan covers room rent, ICU expenses, and home care expenses for up to 14 days.

Unique Benefits

  • Tax Benefits
  • No Medical check-up
  • New Born Cover

Corona Kavach Policy (Pros)

  • Room Rent Cover
  • ICU Cover
  • Doctor Fee Cover
  • Ambulance Cover
  • Nursing Expense Cover

Corona Kavach Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Kavach Policy (Other Benefits)

  • Medicine Charges
  • Pre & Post Hospitalization Cover
  • Hospital Daily Cash
  • Affordable Premiums
  • SI Up to 5 L

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Corona Rakshak

SBI Corona Rakshak Policy

The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.

Unique Benefits

  • Tax Benefits
  • Lump Sum Benefit
  • Minimum Waiting Period

Corona Rakshak Policy (Pros)

  • Room Rent Cover
  • Single Premium Payment
  • Affordable Premiums
  • Upto 2.5 L SI
  • 15-Day Waiting Period

Corona Rakshak Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Corona Rakshak Policy (Other Benefits)

  • Up to 65 Years Entry Age
  • 3-month policy period
  • 6-month policy period
  • 9-month policy period
  • Standard COVID-19 plan

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k - 2.5 L
  • Waiting Period - 30 Days

Individual

SBI Personal Accident plan provides protection against accidental death, loss of life, and disabilities, it offers a cumulative bonus along with add-ons for ambulance charges.

Unique Benefits

  • Tax Benefits
  • No Pre-policy check-up
  • Affordable Premiums

Individual Personal Accident (Pros)

  • Loss of Life Cover
  • Disabilities Cover
  • Loss of Income Cover
  • Permanent Total Disability
  • Education Benefit

Individual Personal Accident (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Individual Personal Accident (Other Benefits)

  • Add-on Covers
  • Temporary Total Disability
  • Permanent Total Disability
  • Permanent Partial Disability
  • Accidental Death

Individual Personal Accident (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Crore
  • Waiting Period - 30 Days

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Arogya Top Up Policy (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Tax Benefits
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Top Up Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Top Up Policy (Other Benefits)

  • High SI
  • Room Rent Covered
  • Physiotherapy Covered
  • Affordable Premiums
  • Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 50L
  • Waiting Period - 30 Days

Critical Illness policy

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

Critical Illness Plan (Pros)

  • Covers 13 CI
  • Cancer Care
  • Kidney Failure
  • Organ Transplant
  • Stroke

Critical Illness Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Critical Illness Plan (Other Benefits)

  • High SI
  • Paralysis
  • Coma
  • 2 Plan variants
  • Blindness Cover

Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Hospital Daily Cash

SBI Hospital Daily Cash Insurance Policy

The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Hospital Daily Cash Policy (Pros)

  • Daily Cash Benefit
  • Tax Benefits
  • Optional Covers
  • ICU Benefit
  • Accident Injury

Hospital Daily Cash Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

  • Compassionate Benefit
  • Daycare Treatment
  • Maternity Cover
  • Sickness Cash Benefit
  • Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 500 to 2,000
  • Waiting Period - 30 Days

Loan Insurance Policy

SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.

Unique Features

  • Tax Benefits
  • Personal Accident Cover
  • SI up to 1 Crore

Loan Insurance Policy (Pros)

  • Loss of Job Cover
  • Long Term Policy
  • Affordable Premiums
  • Death Cover
  • Permanent Disablement

Loan Insurance Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Loan Insurance Policy (Other Benefits)

  • Cancer Cover
  • Organ Transplant Cover
  • Paralysis Cover
  • Organ Transplant
  • Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - Up to 1 Crore
  • Waiting Period - 30 Days

Saral Suraksha

SBI Saral Suraksha Bima

Designed for individuals between the ages of 18 to 70 years, the plan offers coverage for accidental death, permanent, total, and permanent partial disability.

Unique Benefits

  • Tax Benefits
  • Education Grant
  • Affordable Premiums

Saral Suraksha Bima (Pros)

  • Loss of Life
  • Affordable Premiums
  • Temporary Total Disablement
  • Hospitalization Expenses
  • Up to 5% Cumulative Bonus

Saral Suraksha Bima (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Saral Suraksha Bima (Other Benefits)

  • Up to 1 Crore SI
  • Accidental Death Cover
  • Individual and Family Floater
  • 1-Year Policy Term
  • Multiple Discounts

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI -2.5 L - 1 Crore
  • Waiting Period - 30 Days

Saral Suraksha

SBI Travel Insurance (B & H)

The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.

Unique Benefits

  • Tax Benefits
  • Wide Coverage
  • Affordable Premiums

Travel Insurance (B & H) (Pros)

  • Quick Payout Process
  • Global Coverage
  • 24/7 Emergency Assistance
  • Multi Trip Insurance
  • Single Trip Insurance

Travel Insurance (B & H) (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Travel Insurance (B & H) (Other Benefits)

  • Loss of Passport
  • Trip delays
  • Home Burglary
  • Covers Personal Liability
  • Travel Support

Travel Insurance (B & H) (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 70 Years
  • SI - $ 5,00,000
  • Waiting Period - 30 Days

Saral Suraksha

SBI Arogya Shield

A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover

Unique Benefits

  • Tax Benefits
  • Dual Protection
  • Affordable Premiums

SBI Arogya Shield (Pros)

  • Cashless Claims
  • 141 Daycare Procedures
  • High SI
  • Health Cover
  • Life Cover

SBI Arogya Shield (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Shield (Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • Domiciliary Hospitalization
  • Outpatient Treatment
  • Alternative Treatment

SBI Arogya Shield (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 - 3 L
  • Waiting Period - 30 Days

Group Personal Accident

SBI Group Personal Accident Policy

A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.

Unique Features

  • Loss of Life Cover
  • Permanent Total Disability
  • Child Education Cover

Group Personal Accident Policy (Pros)

  • Accidental Death
  • Permanent Total Disability Cover
  • Ambulance Cover
  • Funeral Expenses Cover
  • Repatriation Cover

Group Personal Accident Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Personal Accident Policy (Other Benefits)

  • Temporary Total Disability Cover
  • Temporary Partial Disability Cover
  • High SI
  • Tax Benefits
  • Affordable Premiums

Group Personal Accident Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - 2 L - 20 L
  • Waiting Period - 30 Days

Group Loan Policy

SBI Group Loan Insurance Policy

A unique health insurance policy that can be availed for 5 years, covers 15 critical illnesses, accidental death, accidental hospitalization, and more.

Unique Features

  • Long Term Policy
  • Personal Accident Cover
  • Critical Illness Benefit

Group Loan Policy (Pros)

  • Permanent Total Disability
  • Loss of Limbs Cover
  • Loss of Sight Cover
  • Speech Loss Cover
  • Hearing Loss Cover

Group Loan Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Group Loan Policy (Other Benefits)

  • Cancer Cover
  • Coma Expenses Cover
  • Kidney Failure Cover
  • Blindness Cover
  • Accidental Hospitalization Cover

Group Loan Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 10 L
  • Waiting Period - 30 Days

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: FAQ

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.

Read Reviews & Ratings

Customer Review Image

Simran Oberai

Gurgaon

February 26, 2024

My search for the best cancer insurance plan for me ended with the SBI Critical Illness health insurance plan suggested by insurance experts at PolicyX.

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Ritika Bhalla

Kolkata

February 16, 2024

For all my SBI health insurance plan queries like premium comparison, renewal, and rider information I turn to PolicyX.

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Sakshi Kapoor

Ranchi

February 16, 2024

Maternity insurance was a major concern for me. PolicyX suggested the SBI Super Health Insurance which has got everything I need and more.

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Toshani Yadav

Meerut

February 16, 2024

I am extremely happy with PolicyX customer support, as I was stuck with a claim settlement request for my SBI Health Edge claims and they solved it quickly.

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Bilal

Bhopal

February 16, 2024

I am happy with the customer support of PolicyX as they helped me with the queries for my SBI Health Edge policy.

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Thomas

Kochi

January 14, 2024

Good insurance,hassle free clearance at aster medicity with help of aldun.covered full amount for my wife& 039;s maternity admission. New born charges were not covered

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Piyush Kumar

Indore

May 1, 2023

PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.

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priya

Pune

June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

View All SBI Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.