SBI Health Insurance for Senior Citizens
  • Cumulative Bonus available
  • High Sum Insured options
  • AYUSH Treatments
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 Insurance Plans for Senior Citizens

SBI Health Insurance for senior citizens protects their hard earned savings from draining due to any unforeseen medical emergency or mishappening. SBI Health Insurance for Senior Citizens is a unique plan that protects their retirement funds and provides the policyholder with a well-equipped health insurance policy that covers all necessities.

Investing in SBI medicalim for senior citizens gives you the confidence to find the best medical care available across the country without having to rely on any third person for help. With around 6000+ Network Hospitals and approx 15000 Cr Health Insurance Claims Handled, SBI is one of the best options to buy a plan for senior citizens.

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Key Benefits of SBI Health Insurance for Senior Citizens

SBI Health Insurance plans for senior citizens is a popular choice amongst customers for senior citizen insurance needs. Let us take a glimpse into the company's performance and key features that will help you to analyze the company. Here are the key benefits of buying SBI Health Insurance for senior citizens:

  • Varied Sum Insured Options SBI Health Insurance for senior citizens offer multiple sums insured options, from Rs 10 lakh to Rs 30 lakh INR. Both individuals and families are covered under these policies.
  • Cumulative Bonus Benefit SBI mediclaim for senior citizens offer 10% cumulative bonus for every claim-free year which goes up to a maximum of 50%.
  • Free Health Check-up Under SBI mediclaim for senior citizens offers free health check-up to the policyholders. After every four claim-free years health check-up expenses are covered. Moreover, you an avail cashless claims available at more than 6000 network hospitals across India.
  • Tax Benefits Avail tax benefits under SBI Health Insurance for Senior Citizens. Tax exemption under Sec 80D of the Income Tax Act

Senior Citizen Plans Offered by SBI Health Insurance

SBI Health Insurance offers a comprehensive senior citizen plan that offers high coverage options and benefits that make the life of senior citizens chaos free.

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

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

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

Other Senior Citizen Health Insurance Companies

Health Insurance Companies

Inclusions of SBI Health Insurance for Senior Citizens

A health insurance plan for senior citizens offers complete coverage to help you take care of hefty medical bills. Here’s a quick look at the coverage that you can expect from the Senior Citizen Health Insurance Plan by SBI.

Hospitalization expenses including room rent, doctor’s consultation charges, ICU, etc.

Pre- and post-hospitalisation expenses

Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) treatment costs

Mental health treatments

Hospitalization as well as pre-and post-hospitalisation expenses incurred by organ donor

Internal congenital diseases

Ambulance charges.

Exclusions of SBI Health Insurance for Senior Citizens

The below medical expenses are excluded under SBI Health Insurance for senior citizens:

Medical treatments done outside the geographical limits of the policy, i.e. outside India

Injuries or treatments required due to nuclear material/activity and war or war-like situations

Hospital admission are done solely for rehabilitation, rest, or investigation

Refractive law

Expenses for cosmetic surgery, plastic surgery or change of gender surgery

Treatments arising from situations involving breach of law

Infertility and sterility

Claims for unproven treatments

A standard health insurance plan for senior citizens will have an initial waiting period of 30 days (excluding accidents). There will be another waiting period of 48 months for pre-existing diseases and 90 days to 12/24 months for specific illnesses depending on the product opted.

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states across the country. With a wide network of hospitals, SBI Health Insurance ensures that you are medically safe regardless of the city you live in.

Explore other SBI Health Insurance

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

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

Groyp 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

  • Tax Benefits
  • Wide Coverage
  • Room Rent Covered

Group Health Policy (Pros)

  • Medical Practitioners Available
  • Specialist Fees Cover
  • Daycare Expenses
  • Domiciliary Hospitalization
  • Pre & Post Hospitalization

Group Health Policy (Cons)

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

Group Health Policy (Other Benefits)

  • Individual Cover
  • Family Cover
  • High SI
  • Policy Renewal opted
  • Ambulance Cover

Group Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 - 5 L
  • Waiting Period - 30 Days

SBI Health Insurance Plans for Senior Citizen: FAQ's

1. Is it possible for senior citizens to be included in a family floater health insurance plan?

Yes, SBI Family Floater Plan allows senior citizens can be included for coverage. The age limit for entry is 65 years and the age limit for the Arogya Top Up Policy has been extended up to 70 years.

2. Do I get tax benefits under SBI Health Insruance plans for senior citizens?

Yes, policyholders do get tax benefit under Section 80D of the Income Tax Act, 1961.

3. Do I need to undergo pre-policy medical check up for SBI Health Insurance Plans for Senior Citizens?

Yes, in case you are an applicant who has crossed the age of 55 years then you have to undergo pre-policy medical check-up.

4. Are there any waiting periods for SBI Health Insurance Plans for Senior Citizens?

Yes, the standard health insurance plan for senior citizens will have an initial waiting period of 30 days, 48 months for pre-existing diseases and 90 days to 12/24 months for specific illnesses.

5. What happens if I forget to pay the premium for SBI Health Insurance Senior Citizen Plan?

Policyholders will get a grace period of 30 days after the policy expiry date during which you can pay your premium. In case you miss out on making premium payments during this grace period, the health insurance policy will lapse.

What Our Customers Have to Say

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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.

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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.