Super Health Policy
  • Unlimited Re-insure Benefit
  • Wellness Benefits
  • Annual Health Check-ups
Super Health Policy
Network hospitals

Network hospitals

6000+

Incurred claim ratio

Incurred claim ratio

73.92%

Sum insured

Sum insured

Up to 2 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.8

Pan India Presence

Pan India Presence

141+

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Super Health Policy

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusive healthcare needs based on your specifications. SBI Super Health Insurance is available as a floater plan for individuals and families, with an entry age of 18 years for adults and 91 days for dependent children. The maximum age for entry into Super Health Insurance for the proposer and his/her family members is not limited. SBI Super Health Plan offers different plan variants such as elite, premier, platinum, and platinum infinite.

SBI Super Health Insurance provides 27 base covers and 7 optional covers, with sum insured options ranging from INR 3 lac to INR 2 Crore. The major benefits of SBI Super Health Insurance include re-insure benefits, health multiplier benefits, annual health check-ups, global medical treatments, and more.

Super Health Policy Specifications

To understand Super Health Policy Insurance in detail, take a look at the below table:

Entry Age

Min: 91 Days, Max: No Limit

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 10 L | 25 L | 80 L | 1 Cr | 2 Cr

Initial Waiting Period*

30 Days Days

Renewability

Lifetime

Policy Term

1, 2, 3 years

*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.

Read more specifications in the brochure.

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Choose Your Super Health Policy

With wide coverage options available, Super Health Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

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 or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

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. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

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.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

SBI Super Health Plan Benefits

SBI Super Health 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 Super Health plan

    • Wellness Benefit

      SBI Super Health plan offers a plethora of wellness benefits such as Health Assistance (A.I. Personal Fitness coaching), Dietician and Nutrition E-consultation, 30% on renewal premium by fulfilling walking goals, and gym membership to its insurance holders.
    • Renewal Benefits

      SBI Super Health Plan offers individuals renewal benefits starting from 50% of the Base Sum Insured up to 200%.
    • 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 Super Health Insurance plan offers 7 optional covers to its insurance holders such as Enhanced ReInsure Benefit, Enhanced Cumulative Bonus Safeguard, Co-payment, Aggregate Deductible, Domestic help/staff Indemnity, Additional Basic Sum Insured, Wellness Benefits and more.
    • Annual Health Check-up

      The Insured Person can avail of a health check-up, only for preventive purposes, up to INR 10,000 (Inception/1st renewal onwards/year) as per the plan opted.

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 Super Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under SBI Super Health Policy are:

Investigation and evaluation purposes

Obesity/Weight Control

Cosmetic surgery

Hazardous/Adventure sports

Breach of Law

Alcoholism, drug or substance abuse

Unproven treatments Sterility and infertility

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 2 Years
Listed Ailments 1 Year and 2 Years depending on the plan variant

Wrapping it Up

SBI super health policy is a comprehensive plan with 4 different variants to select from. It is loaded with a multitude of features suitable for individuals as well as families. The plan offers base 27 base covers and 7 optional covers to select from which include value-added services, global treatment, co-pays, deductibles, and more. SBI health insurance is known for its reliable customer support as well as hassle-free claim settlement services. If you are a young individual, a newly married couple, or have dependent parents, children or in-laws you must invest in SBI super health plan.

Explore other SBI Health Insurance

To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:

Individual

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...

Unique Features

  • Covers in-patient treatment
  • HIV/AIDS cover
  • Power against disability

SBI Divyanga Suraksha Policy (Pros)

SBI Divyanga Suraksha Policy
  • Pre and post-hospitalization
  • Medical treatment
  • Daycare procedures
  • Cataract cover

SBI Divyanga Suraksha Policy (Cons)

SBI Divyanga Suraksha Policy
  • Domiciliary hospitalization
  • Vaccination
  • Health check-ups
  • Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

SBI Divyanga Suraksha Policy
  • Modern treatment cover
  • In-patient treatment
  • AYUSH care
  • PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

SBI Divyanga Suraksha Policy
  • Entry age: 18 o 65 years
  • SI: 4 & 5 Lakhs
  • Initial Waiting Period: 30 days

Individual and Family Health Insurance

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...

Unique Features

  • Plan Specifications
  • Eligibility
  • Inclusions and Exclusions

Arogya Premier Policy (Pros)

Arogya Premier Policy
  • In-patient hospitalization expenses
  • Pre and post-hospitalization
  • AYUSH treatments
  • Maternity expenses

Arogya Premier Policy (Cons)

Arogya Premier Policy
  • Daily hospital cash cover
  • Newborn baby cover
  • Global coverage
  • Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Arogya Premier Policy
  • Mental illness cover
  • HIV/AIDS cover
  • Internal congenital diseases
  • Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Arogya Premier Policy
  • Entry Age: 3 Months to 65 Year
  • Sum Insured: 10 to 30 Lakhs
  • Initial Waiting Period: 30 days

Individual and Family Health Insurance

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...

Unique Features

  • What is Arogya Plus?
  • Know the Eligibility Criteria
  • Premiums Sample Illustration

Arogya Plus Policy (Pros)

Arogya Plus Policy
  • OPD cover
  • In-patient hospitalization
  • Pre & post hospitalization

Arogya Plus Policy (Cons)

Arogya Plus Policy
  • Newborn baby cover
  • Vaccination
  • Compassionate travel
  • Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

Arogya Plus Policy
  • AYUSH treatment
  • Domiciliary hospitalization
  • HIV/AIDS cover
  • Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Arogya Plus Policy
  • Entry Age: 3 Months to 65 Years
  • Sum Insured: 1/2/3 L
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...

Unique Features

  • Enhanced coverage
  • Eligibility criteria
  • Key features

SBI Arogya Top-Up Policy (Pros)

SBI Arogya Top-Up Policy
  • In-patient hospitalisation
  • Pre & post hospitalisation
  • Ambulance cover

SBI Arogya Top-Up Policy (Cons)

SBI Arogya Top-Up Policy
  • Global coverage
  • Air ambulance
  • Compassionate visit
  • OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

SBI Arogya Top-Up Policy
  • Organ donor expenses
  • Domiciliary treatment
  • Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

SBI Arogya Top-Up Policy
  • Entry age: 3 months to 65 years
  • SI: 1 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...

Unique Features

  • Affordable Health Plan
  • Eligibility Criteria
  • Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

SBI Arogya Sanjeevani Policy
  • In-patient hospitalization
  • Pre and post-hospitalization care
  • ICU expenses
  • Daycare treatment
  • Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

SBI Arogya Sanjeevani Policy
  • Modern treatment unavailable
  • OPD not covered
  • Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

SBI Arogya Sanjeevani Policy
  • Deep Brain Stimulation
  • Balloon Sinuplasty
  • Oral Chemotherapy
  • Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

SBI Arogya Sanjeevani Policy
  • Entry Age: 18 to 65 Years
  • SI: 50K to 1 Lakhs
  • Initial waiting period: 30 days

Critical Illness Health Insurance

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

  • Coverage for Cancer
  • Eligibility Criteria
  • Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

SBI Critical Illness Policy
  • 13 critical illnesses
  • COVID- 19 covered
  • Air ambulance services

SBI Critical Illness Policy (Cons)

SBI Critical Illness Policy
  • Maternity cover
  • OPD and daycare unavailable
  • Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

SBI Critical Illness Policy
  • Emergency medical cover
  • No Maximum age limit
  • SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

SBI Critical Illness Policy
  • Entry age: 5 years to No limit
  • SI: 3 to 10 Lakhs
  • Initial waiting period: 90 days

Individual

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...

Unique Features

  • Loan repayment benefits
  • Plan details
  • Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

SBI Loan Insurance Policy
  • Pays out max 3 EMIs
  • Pays outstanding loan
  • PTD benefits

SBI Loan Insurance Policy (Cons)

SBI Loan Insurance Policy
  • Drug abuse or alcoholism
  • HIV/AIDS
  • Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

SBI Loan Insurance Policy
  • Accidental cover
  • Critical illnesses cover
  • Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

SBI Loan Insurance Policy
  • Entry Age: 18 to 65 years
  • SI: 1 Crore
  • Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...

Unique Features

  • Complete protection
  • Choose SI
  • Choose policy tenure

SBI Arogya Supreme Policy (Pros)

SBI Arogya Supreme Policy
  • Domestic Air Ambulance Cover
  • Compassionate Benefit
  • Recovery Benefit

SBI Arogya Supreme Policy (Cons)

SBI Arogya Supreme Policy
  • Automatic restoration
  • Maternity cover unavailable
  • Newborn baby cover
  • 2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

SBI Arogya Supreme Policy
  • E-Opinion Cover
  • Preventive Health Check-up
  • Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

SBI Arogya Supreme Policy
  • Entry age: 18 to 65 years
  • Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
  • Policy Term 1/2/3 Years
  • Initial Waiting Period 30 Days

Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...

Unique Features

  • High Sum Insured
  • Easy Policy Renewal
  • 10% copayment

SBI Group Health Insurance (Pros)

SBI Group Health Insurance
  • In-patient hospitalization
  • Daycare treatments
  • Co-payment clause

SBI Group Health Insurance (Cons)

SBI Group Health Insurance
  • Room rent unavailable
  • OPD not covered
  • Organ donor expenses
  • Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

SBI Group Health Insurance
  • Ambulance expenses
  • Pre & post-hospitalisation
  • Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

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

Individual and Family Health Insurance

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...

Unique Features

  • Avail Global Treatment
  • Multiple Discounts
  • 18 Optional Covers

SBI Health Edge Policy (Pros)

SBI Health Edge Policy
  • In-patient hospitalization
  • Pre and Post-hospitalization
  • Daycare treatments
  • Emergency ambulance cover

SBI Health Edge Policy (Cons)

SBI Health Edge Policy
  • Organ donor
  • Compassionate visit
  • Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

SBI Health Edge Policy
  • Bariatric Surgery Cover
  • Modern Treatments
  • AYUSH Treatments
  • Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

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

Individual and Family Health Insurance

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...

Unique Features

  • Unlimited Re-insure Benefit
  • Wellness Benefits
  • Annual Health Check-ups

Super Health Policy (Pros)

Super Health Policy
  • Tax benefit
  • Reinsure benefit
  • Health multiplier
  • Optional covers

Super Health Policy (Cons)

Super Health Policy
  • Cosmetic treatment
  • Injury due to illegal activities
  • Unlawful activities
  • Adventure sports injuries

Super Health Policy (Other Benefits)

Super Health Policy
  • OPD expenses
  • International treatment
  • SI up to 2 Crores
  • Flexible premium payments

Super Health Policy (Eligibility Criteria)

Super Health Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

SBI Super Health Policy: FAQs

1. What are the waiting periods of SBI Super Health Plan?

The various waiting periods associated with SBI Super Health Plan are as follows Pre Existing Diseases - 2 Years Specific Diseases - 2 Years for elite and premier variant and 1 year for platinum and platinum infinite variant Maternity Cover - 48 Months Medical Treatment Abroad - 36 Months Hypertension, Diabetes, Cardiac Condition - 90 Days

2. What is the entry age for SBI Super Health Insurance?

SBI Super Health Insurance has an entry age of 18 years for adults and 91 days for dependent children.

3. What are the plan variants offered under SBI Super Health Plan?

SBI Super Health Plan offers 4 plan variants to select from. Insurance holders can select any one variant amongst Elite, Premier, Platinum, and Platinum Infinite plan options with different sum insured cover.

4. What are the optional covers available under SBI Super Health Plan?

The optional covers available under SBI Super Health Plan are Enhanced Reinsure Benefit Enhanced Cumulative Bonus Safeguard Wellness Benefit Walk Healthy Benefit Aggregate Deductible Additional Basic Sum Insured for Accident Co-payment

5. Is Air Ambulance Cover available under SBI Super Health Plan?

Yes, Air ambulance cover is available under SBI Super Health Plan.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.