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

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.

SBI Super Health Plan Specifications

Child Entry Age

Min: 91 Days
Max: 30 Years

Adult Entry Age

Min: 18 Years
Max: No Limit

Sum Insured (in Rs.)

3L | 5L | 7L | 10L | 15L | 20L | 25L | 30 L | 40 L | 50 L | 75 L | 1 Cr | 2 Cr

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 Super Health Plan

With comprehensive coverage options, and 4 different variants of SBI Super Health Plan individuals can customize their health insurance plan as per the needs and requirements:

In-patient & Out-patient coverage

Room Rent

Covered up to SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Available

Automatic Restoration

Unlimited up to 200%

Daily Hospital Cash

Available

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered Up to SI

IVF Treatment

Not Available

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

INR 3000

Air Ambulance

Up to 2 Lac

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Up to INR 2500

Second Medical Opinion

Not Available

Vaccination

Not Covered

Limitations

Co-payment

Applicable, 10% / 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 Super Health Plan?

Under SBI Super Health 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 Super Health 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 Super Health Plan?

SBI Super Health plan covers medical expenses incurred during pre-hospitalization up to 60 days.

What is Post Hospitalization?

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

Coverage status under SBI Super Health Plan?

SBI Super Health plan covers medical expenses incurred during post-hospitalization up to 90 days for elite, premier, and platinum plan variants and 180 days for platinum infinite plan variant.

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 Super Health Plan?

Under SBI Super Health Plan, domiciliary hospitalization is covered up to SI.

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 Super Health Plan?

Under SBI Super Health Plan all day care treatments are covered.

What are OPD charges?

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

Coverage status under SBI Super Health Plan?

SBI Super Health plan covers OPD expenses

  • Single Adult - INR 5,000 All other family combinations - Up to INR 10,000/Family for Platinum plan variant
  • Single Adult - INR 10,000 All other family combinations - Up to INR 20,000/Family for Platinum Infinite plan variant
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 Super Health Plan?

SBI Super Health 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 Super Health Plan?

SBI Super Health 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 Super Health Plan?

A cumulative Bonus is available under the SBI Super Health plan wherein the 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 Super Health Plan?

Unlimited Auto Restoration is available under SBI Super Health plan. Up to 200% of the Base Sum Insured.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under SBI Super Health Plan?

The daily hospital cash is available under SBI Super Health Plan

  • 500 per day, maximum INR 4000 for Elite and Premier plan variants
  • 500 per day, maximum INR 8000 for the Platinum plan variant
  • 1000 per day, maximum INR 15000 for Platinum Infinite plan variant
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 Super Health Plan?

Under the SBI Super Health plan, organ donor expenses are covered up to SI.

What is a Maternity Cover?

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

Coverage status under SBI Super Health Plan?

Maternity expense is available under the SBI Super Health Plan

  • Up to INR 25,000 (N)/ INR 50,000(C-sec) under Premier Plan Variant
  • Up to INR 50,000 (N)/ INR 75,000(C-sec) under Platinum Plan Variant
  • Up to 2 Lac under Platinum Infinite Plan Variant
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 Super Health Plan?

New Born Baby Cover is available under the SBI Super Health Plan up to maternity 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 Super Health Plan?

Covered Under SBI Super Health 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 Super Health Plan?

Not available under SBI Super Health plan.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under SBI Super Health Plan?

Under SBI Super Health 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 Super Health Plan?

Covered under SBI Super Health Plan

  • Up to INR 3,000 under the Elite plan variant
  • Up to INR 4,000 under the Premier plan variant
  • Up to INR 5,000 under the Platinum plan variant
  • Up to SI under the Platinum Infinite plan variant
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 covered under SBI Super Health Plan

  • Up to 2 Lac under Elite, Premier and Platinum plan variants
  • Up to 10 Lacs under Platinum Infinite plan variant
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 Super Health Plan?

Under SBI Super Health 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 Super Health Plan?

Under SBI Super Health plan Global treatment is available up to SI under platinum and platinum infinite plan variants.

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 Super Health Plan?

SBI Super Health Plan provides E-consultation

  • Up to 4 - Per Member under the Platinum plan variant
  • Unlimited e-opinion under the Platinum Infinite plan variant
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 Super Health Plan?

Under the SBI Super Health Plan, an annual health checkup is available

  • Up to INR 2500 (1st renewal onwards/year) under the Elite and Premier Plan variant
  • Up to INR 5000 (since inception) under Platinum Plan Variant
  • Up to INR 10,000 (since inception) under Platinum Infinite Variant
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 Super Health Plan?

Under the SBI Super Health 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 Super Health Plan?

SBI Super Health plan does cover vaccination expenses for children up to the age of 12 years

  • INR 5000 per annum under Platinum Plan Variant
  • INR 10,000 per annum under Platinum Infinite Plan Variant
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 Super Health 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 Super Health Plan?

Not Applicable

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 after2 Years
Listed Ailments1 Year and 2 Years depending on the plan variant

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

Live a healthy lifestyle

Renewal Benefits

Avail up enhanced renewal benefits

Tax Benefits

Get tax relief under section 80D

Optional Cover

Select best-suited optional covers

Annual Health Check-up

Stay Healthy through annual health check-ups

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.

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-pay, 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 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 Super Health Policy: FAQ

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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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.