SBI General Group Health Insurance: Check Benefits, Features and Review Online
Buy Now
Summarize with
ChatGPT Claude Perplexity
SBI Health Insurance SBI Health Insurance ★ 4.4

SBI Group Health Insurance

SBI Group Health Insurance is a comprehensive plan that provides exten ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
141+
Pan India presence
-%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 6,000+ hospitals
📊 2.03 solvency ratio
✅ -% claim settlement

About SBI Group Health Insurance

A quick read on what this SBI Health Insurance plan covers and why it might be a fit for you.

SBI Group Health Insurance is a comprehensive plan that provides extensive coverage to its customers and their family members. The group health insurance policy by SBI offers multiple sum insured options and numerous benefits. With SBI Group Health Insurance, policyholders can avail cashless emergency and planned treatments in any of the 20,000+ network hospitals of the company. All 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 other protections such as ambulance expenses, pre and post-hospitalization expenses, and policy renewal benefits.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Group Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient hospitalization
  • Daycare treatments
  • Co-payment clause

Cons

  • Room rent unavailable
  • OPD not covered
  • Organ donor expenses
  • Modern treatment unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

SBI Group Health Insurance Benefits

SBI Group Health Insurance offers multiple advantages that policyholders can avail of after purchase. Read more below:

  • Less Waiting Period

    Policyholders get a waiting period of 30 days and 1 year for specified diseases and 4 years for pre-existing diseases.

  • Hospitalization Coverage

    Coverage includes 30 days pre and 60 days post-hospitalization expenses.

  • Wide Range Coverage

    Policyholders get a wide coverage of the sum insured, ranging from 100,000 to 500,000.

  • Cashless Benefit

    Policyholders can get cashless treatment at over 20,000 network hospitals.

  • Multiple Coverage

    Options include individual and family floater, covering you, your legal spouse, and two dependent children.

  • Tax Benefits

    Premiums paid for this plan are eligible for tax relief under Section 80D of the Income Tax Act, 1961.

  • No Pre-Medical Checkup Benefit

    No pre-policy medical test is required 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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not covered under SBI Group Health Insurance include:
  • Complications or treatment arising from pre-existing conditions and treatment of illnesses such as ulcers, tonsillectomy, hernia, cataract, sinusitis, adenoidectomy, chronic renal failure during the first year of the policy.
  • Any disease contracted during the first 30 days of policy commencement is excluded.
  • A one-year 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 a medical practitioner.
  • Treatment with alternative medicines like acupuncture, acupressure, osteopathy, 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 due to war, riot, strike, and nuclear weapons.
  • Use or abuse of intoxicating drugs or alcohol.
  • Certain diseases and treatments are covered under this plan after a specified period. Details include:
  • Listed ailments after 48 months.
  • Pre-existing diseases after 48 months.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

  • Ambulance expenses
  • Pre and post-hospitalization
  • Policy renewal benefits

SBI Group Health Insurance: FAQs

The 5 most-asked questions about SBI Group Health Insurance, answered.

No, SBI Group Health Insurance does not cover Maternity charges.
No, SBI Group Health Insurance does not cover Air Ambulance charges.
Yes, SBI Group Health Insurance covers ICU charges (2% /day for ICU).
No, policyholders are not covered for COVID-19 under 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.

Explore SBI Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Anshika Ojha — Health Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 15 Nov 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health Niva Bupa Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,694 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free