Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.8
Pan India Presence
141
Network hospitals
6000+
Incurred claim ratio
73.92%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.8
Pan India Presence
141
SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is totally customizable and is available to insurance holders based on their needs.
The plan has 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 has a varied range of sum insured available starting from INR 3 to 25 Lacs which can be purchased for a long term of 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.
SBI Health Edge Policy has the following basic covers along with 18 optional covers:
Child Entry Age
Min: 91 Days
Max: 30 Years
Adult Entry Age
Min: 18 Years
Max: 65 Years
Sum Insured (in Rs.)
3L | 5L | 7L | 10L | 15L | 20L and 25 Lacs
Plan Type
Individual/Family Floater
Policy Term
1 / 2 / 3 year
Initial Waiting Period
30 Days
*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
With comprehensive coverage options, SBI Health Edge Policy lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Applicable
Automatic Restoration
Applicable
Daily Hospital Cash
Applicable
Organ Donor
Not Covered
Maternity Cover
Covered
New Born Baby Cover
Not covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable up to 20%
Sub-limits
Not Available
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:
Coverage status under SBI Health Edge Plan?
Under SBI Health Edge Plan, the room rent is covered up to SI.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under SBI Health Edge Plan Plan?
Under SBI Health Edge Plan, ICU charges are covered up to SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under SBI Health Edge Plan?
SBI Health Edge plan covers medical expenses incurred during pre-hospitalization up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under SBI Health Edge Plan?
SBI Health Edge plan covers medical expenses incurred during post-hospitalization up to 60 days.
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 Health Edge Plan?
Under SBI Health Edge Plan, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under SBI Health Edge Plan?
This plan covers the expenses of daycare treatment up to SI.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under SBI Health Edge Plan?
SBI Health Edge plan covers OPD as an optional cover up to INR 5,000 per insured member for allopathic OPD expenses, including diagnostics and pharmacy.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under SBI Health Edge Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under SBI Health Edge Plan?
SBI Health Edge plan does not cover cataract treatment expenses
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 Health Edge Plan?
Cumulative Bonus is available under SBI Health Edge plan as an optional cover wherein Sum Insured is increased by 50% of the Base Sum Insured in respect of each claim free Policy Year.
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 Health Edge Plan?
Unlimited Auto Restoration is available under SBI Health Edge plan. Up to 100% of Base Sum Insured with the first paid claim itself and is available for all subsequent claims in a Policy Year.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under SBI Health Edge Plan?
The daily hospital cash is available under SBI Health Edge Plan as an optional cover - Fixed benefit payment per day Sum Insured up to 1000 for 10 days or 2000 for 10 days as mentioned in the policy schedule.
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 Health Edge Plan?
Under SBI Health Edge plan, organ donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under SBI Health Edge Plan?
Maternity expense is available under the SBI Health Edge Plan as an optional cover with a 48 months waiting period.
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:
Coverage status under SBI Health Edge Plan?
New Born Baby Cover is available under the SBI Health Edge Plan as an optional cover up to SI.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under SBI Health Edge Plan?
Covered Under SBI Health Edge Plan up to SI
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under SBI Health Edge Plan?
Not available under SBI Health Edge plan.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under SBI Health Edge Plan?
Under SBI Health Edge plan modern treatments are covered up to SI.
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 Health Edge Plan?
Covered under SBI Health Edge Plan up to INR 3,000 per hospitalization
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?
Air Ambulance is not covered under SBI Health Edge Plan
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 Health Edge Plan?
Under SBI Health Edge plan compassionate travel is not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under SBI Health Edge Plan?
Under SBI Health Edge plan Global treatment is available as an optional cover up to SI
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 Health Edge Plan?
SBI Health Edge Plan provides E-consultation as an optional cover.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under SBI Health Edge Plan?
Under the SBI Health Edge Plan, a health checkup is available up to Rs 5000 once in the Policy Year to all insured adult members above age 18 years on individual basis.
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 Health Edge Plan?
Under SBI Health Edge plan second opinion is not available.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under SBI Health Edge Plan?
SBI Health Edge plan does not cover vaccination expenses.
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 Health Edge Plan?
Applicable, 10% / 20% Co-payment.
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 Health Edge Plan?
Not Applicable.
Permanent Exclusions
Permanent diseases or health conditions that are not included under SBI Health Edge Policy are:
Change of Gender Treatments
Cosmetic or Plastic Surgery
Hazardous or Adventure Sports
Breach of Law
Excluded Providers
Treatment for alcoholism, drug or substance abuse
Treatments received in health hydro’s, nature cure clinics, spas or similar establishments
Dietary Supplements and substances that can be purchased without prescription
Eye-sight due to refractive error less than 7.5 diopters
Sterility and Infertility
War, nuclear, chemical or biological attack
Treatment taken outside India
An insured person committing or attempting to commit a breach of law with criminal intent, intentional self-injury, or attempted suicide while sane or insane
Coverage After Waiting Period
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after | 24 months |
Listed Ailments | 24 months |
To understand how much premium one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured (in Rs.) strong>(5,00,000) | Coverage opted on an individual basis covering each member of the family separately (at a single point in time) | Coverage opted on an individual basis covering multiple members of the family under a single policy (Sum Insured is available for each member of the family) | Coverage opted on a family floater basis with overall Sum Insured (Only one Sum Insured is available for the entire family) |
Premium Payable | 6,305Â | 6,305 | 21,502 |
SBI Health Edge Plan encompasses multiple Benefits and features making it a versatile health insurance plan. Below mentioned are the various benefits insurance holders can avail of under the SBI Health Edge plan
Wellness Benefit
Get rewarded for a healthy lifestyle
Unlimited Refill Option
Avail of Base SI unlimited times
Tax Benefits
Get tax relief under section 80D
Optional Cover
Opt from various optional covers
Maternity Expenses
Avail Women Care
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.
SBI Health Edge provides an unlimited refill benefit that allows individuals to restore up to their base sum insured unlimited times in a year.
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
SBI Health Edge offers a variety of supplemental covers to supplement 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.
SBI Health Edge offers maternity and newborn baby as an optional cover which allows female insurance holders to plan their motherhood without any financial stress.
SBI health edge policy is a versatile plan with a multitude of features suitable for individuals as well as families. The plan offers base covers as well as a plethora of optional covers on top of its base covers to select from. SBI health insurance has designed the plan in a way that it is easy to purchase via digital mode making it a smooth purchasing experience. If you are a young individual, a newly married couple or have dependent parents, childrens or in-laws you must invest in SBI Health Edge Plan.
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 that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.
Unique Features
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
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
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
Affordable Plan
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
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
Individual/Family Floater Plan
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
Corona Kavach
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
Corona Rakshak
The plan offers a lump sum benefit equal to 100% of the sum insured on the diagnosis of COVID-19.
Unique Benefits
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
Top-up policy
The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.
Unique Benefits
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
Hospital Daily Cash
The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.
Unique Features
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
Group Insurance Policy
This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.
Unique Features
Saral Suraksha
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
Saral Suraksha
The plan is designed uniquely for providing travel support, loss of passport, round-the-clock assistance, and many more benefits.
Unique Benefits
Saral Suraksha
A combination plan wherein you can secure both health and life, providing comprehensive coverage for medical emergencies and an assured life cover
Unique Benefits
Group Personal Accident
A versatile Group accident plan covering accidental death, ambulance cover, child education cover, adaptation allowance, and more.
Unique Features
Group Loan 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
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.
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 discount, long term policy discount and wellness discounts.
Under SBI Health Edge plan insured life can cover himself/herself, 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 on every admissible claim wherever applicable under this policy.
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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.
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