SBI Health Edge Insurance Policy - Check Policy Benefits, Coverage and Eligibility
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Health Edge Policy

SBI Health Edge is a customizable, digital-only health insurance plan ...Read More

Up to 2 Cr
Sum insured
141+
Pan India presence
-%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 6,000+ hospitals
📊 2.03 solvency ratio
✅ -% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 15 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance, customizable and available to policyholders based on their needs.

The plan includes 9 basic indemnity covers and 18 optional covers. SBI Health Edge is a digital-only health insurance coverage that is simple to purchase and provides a hassle-free experience. The health insurance plan offers a range of sum insured options from INR 3 to 25 Lacs, available for a long term of up to 3 years. The eligibility criteria for SBI Health Edge start at 18 years to 65 years for adults and 91 days to 30 years for dependent children.

Basic Covers Included

SBI Health Edge Policy includes the following basic covers along with 18 optional covers:

  • In-patient hospitalization
  • Pre and Post hospitalization
  • Daycare treatments
  • Emergency road ambulance cover
  • Bariatric Surgery Cover
  • Modern Treatments
  • AYUSH Treatments
  • Health Check-ups

SBI Health Edge Plan Benefits

SBI Health Edge Plan encompasses multiple benefits and features, making it a versatile health insurance plan. Below are the various benefits insurance holders can avail of under the SBI Health Edge plan:

Wellness Benefit

SBI Health Edge offers wellness benefits to its insurance holders. Individuals can avail of up to 30% discount on SBI Health Edge Policy renewal by ensuring good health practices.

Unlimited Refill Option

SBI Health Edge provides an unlimited refill benefit that allows individuals to restore up to their base sum insured unlimited times in a year.

Optional Cover

SBI Health Edge offers a variety of supplemental covers to enhance your main health edge plan, including hospital daily cash, global treatment, Critical Illness Cover, and more. Insurance consumers can tailor their health insurance coverage to their specific needs.

Maternity Expenses

SBI Health Edge offers maternity and newborn baby coverage as an optional cover, allowing female insurance holders to plan their motherhood without financial stress.

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.

Exclusions

Permanent diseases or health conditions not included under the SBI Health Edge Plan are:

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization

Certain diseases and treatments are covered under this plan after a certain period. Details include:

  • Listed ailments after 24 Months
  • Pre-existing diseases after 24 Months

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
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 days
Renewability
NA
Policy term
1/2/3 year

*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
  • Pre and Post-hospitalization
  • Daycare treatments
  • Emergency ambulance cover

Cons

  • Organ donor
  • Compassionate visit
  • Domiciliary hospitalization

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

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

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

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

Modern & preventive care

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

Conditions & global

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

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 →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Frequently Asked Questions

The 5 most-asked questions about Health Edge Policy, answered.

Individuals can invest in SBI Health Edge from 18 to 65 years and can cover dependent children from 91 days to 30 years of age.
The plan offers 9 basic indemnity covers and 18 optional covers to select from and has a wide range of sum insured options starting from INR 3 to 25 Lac. It is a long-term policy wherein individuals can invest for 1/2/3 years. SBI Health Edge plan also offers multiple discounts like family discounts, long-term policy discounts and wellness discounts.
Under the SBI Health Edge plan insured life can cover himself/herself, his spouse, dependent children, parents or parents-in-law. Insurance holders can also cover individual relations such as son, son-in-law, daughter, daughter-in-law, father, brother etc.
No, SBI Health Edge plan does not require insurance holders to undergo any pre-policy medical check-up under the age of 55.
Under SBI Health Edge Plan insurance holders can opt for a 10% or 20% co-payment. The co-payment clause will be applied to every admissible claim wherever applicable under this policy.

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