South Indian Bank Health Insurance

South Indian Bank Health Insurance: Key Highlights

Categories	Specifications
Pre-existing Diseases	Covered from day 1
Validity of South Indian Bank Health Insurance Plans	1. As long as the customer has an operational South Indian Bank account 2. As long as South Indian Bank is partnered with the insurance company
Riders	May not be offered
Premium Payment	Auto-debited from the linked South Indian Bank account
Tax Benefits	Available under Section 80D of the Income Tax Act, 1961.

Disclaimer: PED waiting period may vary depending on the terms and conditions of the South Indian Bank health insurance policy.

Benefits of South Indian Bank Health Insurance

Check out the key benefits of investing in South Indian Bank health insurance for account holders:

Cost-effective Premiums

The premium of a South Indian Bank health insurance policy is more cost-effective than a standard mediclaim policy. This is because the bank has a tie-up with insurance companies that enables them to offer plans at an affordable cost. Moreover, the bank may offer special deals or discounts, making the health plans more pocket-friendly.
Day 1 Coverage for Pre-existing Diseases

Unlike regular mediclaim policies, health plans offered by South Indian Bank may provide coverage for pre-existing diseases from day 1, including diabetes, asthma, thyroid, and hypertension.
No Agent Involvement

South Indian Bank health insurance saves account holders from the hassle of finding an insurance agent to buy a health insurance policy. This gives customers the freedom to choose a plan that suits their needs without relying on biased external suggestions.
Automatic Premium Payments

South Indian Bank health insurance plans come with the convenience of automatic premium deduction, where premiums are directly debited from the customer's bank account. This ensures on-time premium payments and helps avoid any risk of policy lapse.
Convenient Process

Buying a health policy from South Indian Bank is a convenient and hassle-free experience for account holders, as the bank manages both banking and insurance services under one roof.
Medical Coverage for Everyone

South Indian Bank health insurance plans are suitable for people across various age groups. Whether it is a family health insurance policy or health insurance for senior citizens, account holders can pick a plan that best meets their medicare requirements.

List of Plans Offered by South Indian Bank Health Insurance

Take a look at the health insurance plans offered by South Indian Bank to its customers:

South Indian Bank Health Insurance Plans	Sum Insured (₹)	Ideal For
ManipalCigna ProHealth Select (A) Plan	50,000 to 25 lakh	Individuals and Families
Niva Bupa HeartBeat Plan	1 lakh to 1 crore	Individuals and Families

Note: The above South Indian Bank health insurance plans are as of May 22, 2025.

What is Covered by South Indian Bank Health Insurance?

South Indian Bank health insurance policies provide coverage for the following:

In-patient treatments
Pre-hospitalisation expenses
Day care procedures
Post-hospitalisation expenses
Domiciliary hospitalisation
Emergency ambulance charges
Maternity cover
Newborn baby cover
Pharmacy and diagnostic services
Mental disorder treatments
HIV/AIDS
AYUSH treatments
Organ transplant expenses
Preventive health check-ups

Note: The exact coverage may differ from one South Indian Bank insurance plan to another.

What is Not Covered by South Indian Bank Health Insurance?

Listed below are the expenses not covered by South Indian Bank health insurance:

Treatment for alcohol or drug addiction
Weight control procedures
Plastic or cosmetic surgery
Dietary substances and supplements
Treatment for injuries due to participation in dangerous or adventure sports
Suicide or self-inflicted injuries
Treatment for injuries due to involvement in illegal activities
Unproven treatments
Change of gender treatments

Things to Keep in Mind While Buying a South Indian Bank Health Insurance Plan

South Indian Bank account holders must keep the following things in mind while purchasing a health policy:

Validity – A South Indian Bank health insurance plan is valid until the bank has a collaboration with the insurance provider and the customer holds an active South Indian Bank account.
Scope of Coverage – The South Indian Bank health insurance scheme may offer limited coverage in comparison to regular mediclaim policies.
Riders – Customers may not get the option to add health insurance riders under bank health insurance vs personal retail health insurance.
Insurance Companies – South Indian Bank has a tie-up only with limited health insurance companies in India, offering customers limited insurer options to choose from.

South Indian Bank Health Insurance: FAQs

Q1. Which insurance company has a tie-up with South Indian Bank?

Ans: Niva Bupa Health Insurance Company and the ManipalCigna Health Insurance Company have a tie-up with South Indian Bank.
Q2. Is the South Indian Bank health insurance claim process cashless?

Ans: Yes. The South Indian Bank health insurance claim process is cashless, enabling customers to obtain treatment at any hospital of their choice without paying upfront. Instead, the insurer directly settles the claim amount with the hospital once the treatment is completed.
Q3. Where can I find the South Indian Bank health insurance hospital list?

Ans: You can find the South Indian Bank health insurance hospital list either on the official website of the associated insurer or by getting in touch with their customer support team. Additionally, you can check the associated insurer's network hospital list on Policybazaar.com.
Q4. What is the phone number of South Indian Bank health insurance?

Ans: The phone number of South Indian Bank health insurance is 1800-425-1809.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in