Health Edge Policy
  • Avail Global Treatment
  • Multiple Discounts
  • 18 Optional Covers
SBI Health Insurance
premium

Network hospitals

20000+

premium

Claim settlement ratio

95.04%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

10

premium

Solvency Ratio

1.98

premium

Pan India Presence

24700+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

20000+

premium

Claim settlement ratio

95.04%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

10

premium

Solvency Ratio

1.98

premium

Pan India Presence

24700+

SBI Health Edge Insurance Policy

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:

  • 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 Insurance Plan Specifications

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

For more plan specifications download the brochure:

Choose your SBI Health Edge 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

Not 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

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 Health Edge Plan?

Under SBI Health Edge Plan, the room rent is covered up to SI.

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 Health Edge Plan Plan?

Under SBI Health Edge Plan, ICU charges are covered up to SI.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

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 Health Edge Plan?

Under SBI Health Edge Plan, domiciliary hospitalization is not covered.

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 Health Edge Plan?

This plan 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 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.

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 Health Edge Plan?

SBI Health Edge plan does not cover COVID-19 treatment.

What is Cataract Treatment?

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

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 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.

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 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.

What is Daily Hospital Cash?

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.

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 Health Edge Plan?

Under SBI Health Edge plan, organ donor expenses are not 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 Health Edge Plan?

Maternity expense is available under the SBI Health Edge Plan as an optional cover with a 48 months waiting period.

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 Health Edge Plan?

New Born Baby Cover is available under the SBI Health Edge Plan as an optional cover up to SI.

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 Health Edge Plan?

Covered Under SBI Health Edge Plan up to SI

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 Health Edge Plan?

Not available under SBI Health Edge plan.

What is a Modern Treatment?

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.

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 Health Edge Plan?

Covered under SBI Health Edge Plan up to INR 3,000 per hospitalization

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?

Air Ambulance is not covered under SBI Health Edge Plan

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 Health Edge Plan?

Under SBI Health Edge plan compassionate travel is not available

What is Global Coverage?

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

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 Health Edge Plan?

SBI Health Edge Plan provides E-consultation as an optional cover.

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 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.

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 Health Edge Plan?

Under SBI Health Edge plan second opinion is not available.

What is Vaccination cover?

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.

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 Health Edge Plan?

Applicable, 10% / 20% Co-payment.

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 Health Edge Plan?

Not Applicable.

SBI Health Edge Plan Exclusions

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 after24 months
Listed Ailments24 months

Sample Illustration of SBI Health Edge Plan

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 Payable6,305 6,30521,502

SBI Health Edge Plan Benefits

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

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.

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.

Optional Cover

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.

Maternity Expenses

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.

Wrapping it Up

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.

Explore other Sbi Health Plans

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

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

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%

Affordable Plan

SBI Retail Health Insurance Policy

A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.

Unique Features

  • No pre-medical up to 45 years
  • Flexible plan options
  • Child care available

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

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

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

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

  • No Medical Tests required
  • Sum Insured of Rs.1 Crore
  • Available for a maximum of 3 years

Group Insurance Policy

A group policy meant for an individual and family with a maximum coverage of 5 lakhs. Come with no pre medical tests and renewals.

Unique Features

  • Domiciliary hospitalization
  • Day care surgeries
  • Specialist fees

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 Health Edge Policy: FAQ

1. What is the eligibility criteria for SBI Health Edge Plan?

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.

2. What are the core features of SBI Health Edge Plan?

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.

3. How many individuals can be covered under SBI Health Edge Policy?

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.

4. Do I need to undergo any pre-policy medical examination?

No, SBI Health Edge plan does not require insurance holders to undergo any pre-policy medical check-up under the age of 55.

5. What is the co-payment clause under SBI Health Edge Plan?

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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Read Reviews & Ratings

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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.

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Saksham

Ahmedabad

June 7, 2022

I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.

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kuljeet singh

Chandigarh

March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

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Dhiraj Khanna

Mumbai

February 17, 2022

This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.

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Avantika Nagpal

Kolkata

October 12, 2021

Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

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Rekha Tyagi

Kolkata

October 8, 2021

Well done SBI Health. You are doing a great job. Also, I wanna thank PolicyX.com for your continuous support. Best of luck to both companies.

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Kuwali Rai

Gandhinagar

September 2, 2021

truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

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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.