State Bank of India Health Insurance

State Bank of India Health Insurance is the medical insurance policy offered by the State Bank of India (SBI) to its account holders. These mediclaim plans cover a wide range of planned & unplanned treatments and are offered in partnership with health insurers in India. However, customers can avail themselves of mediclaim coverage as long as the bank has a tie-up with the insurer and the linked Canara Bank account remains operational.

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      State Bank of India Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases Coverage is available from day 1
      Validity of State Bank of India health insurance plans 1. Remains valid as long as the SBI is associated with the insurer
      2. Remains valid as long as the customer has an active SBI account
      Riders Usually not available
      Premium Payment Automatically deducted from the linked SBI account
      Tax Benefits Claim tax deductions under Section 80D of the Income Tax Act, 1961

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

      Benefits of State Bank of India Health Insurance

      Take a look at some of the key benefits of SBI Bank health insurance for account holders:

      1. Cost-Effective Premiums

        Health insurance plans offered by the State Bank of India are generally more affordable than regular medical insurance plans. The direct association of the bank with the insurer and promotional deals may contribute to the cost-effective premiums.

      2. Immediate Coverage for Pre-existing Diseases (PED)

        Unlike many regular mediclaim policies, the SBI Bank health insurance scheme may provide coverage for pre-existing diseases from day 1 of the policy term.

      3. Automatic Premium Payments

        SBI Bank health insurance premiums are directly debited from the customer's SBI account. This automatic process ensures timely payments and reduces the risk of unintentional policy lapse.

      4. Health Plans for Everyone

        The State Bank of India health insurance for account holders offers a broad selection of medical plans, including family health insurance plans and health insurance for senior citizens. In fact, the plans are designed to meet the diverse healthcare needs of individuals as well as families.

      5. No Agents Involved

        State Bank of India health insurance policies can be purchased directly through the bank without involving third-party agents. This simplifies the buying process and helps ensure that the chosen plan is aligned with the customer's healthcare needs.

      6. Easy Management

        Having both financial and insurance services under one roof with SBI Bank allows easier management of funds and health policies for customers. It even offers greater convenience to SBI account holders.

      List of Plans Offered by the State Bank of India Health Insurance

      Take a look at the medical insurance plans offered by the State Bank of India:

      State Bank Health Insurance Plans Sum Insured Ideal For
      Royal Sundaram Lifeline Health Insurance Plan ₹ 2 lakh to ₹1.5 crore Individuals/Families
      Royal Sundaram Accident Shield Insurance Plan ₹5 lakh to ₹20 lakh Accidents
      Royal Sundaram Smart Cash Plan ₹10 lakh to ₹25 lakh Out-of-pocket Expenses
      Royal Sundaram Advanced Top Up Health Insurance Plan ₹10 lakh to ₹95 lakh Top-up
      SBI General Retail Health Insurance Policy ₹50,000 to ₹5 lakh Individuals/Families
      SBI General Arogya Supreme Insurance Policy ₹3 lakh to ₹1 crore Lower Premiums
      SBI General Individual Personal Accident Insurance Policy ₹1 lakh to ₹1 crore Accidents
      SBI General Arogya Top-up Policy ₹1 lakh to ₹50 lakh Lower Premiums
      SBI General Critical Illness Insurance Policy ₹2 lakh to ₹50 lakh Critical Illnesses
      SBI General Hospital Daily Cash Insurance Policy Up to ₹2,000 Daily cash in case of hospitalisation

      Note: The above State Bank of India health insurance plans are as of May 14, 2025.

      What is Covered by the State Bank of India Health Insurance?

      The SBI Bank health insurance plans provide coverage for the following:

      Note: The exact coverage may vary from one SBI Bank health insurance plan to another.

      What is Not Covered by the State Bank of India Health Insurance?

      SBI Bank health insurance scheme does not offer coverage for the following:

      • Intentional self-harm or injuries due to suicide attempt
      • Plastic surgery
      • Dietary substances and supplements
      • Treatment for addiction to drugs and alcohol
      • Treatment for injuries due to participation in adventure or hazardous sports
      • Treatment for injuries due to participation in illegal activities
      • Change of gender treatments

      Things to Keep in Mind While Buying a State Bank of India Health Insurance Plan

      Check out a few things that one must keep in mind while buying a SBI Bank health insurance policy:

      • Policy Validity: The SBI Bank health insurance policy remains valid as long as the associated bank account is active and the partnership between the bank and the insurance provider is in effect.
      • Coverage Scope: The coverage offered under the health insurance plans in SBI Bank may be limited in comparison to regular medical insurance policies.
      • Choice of Insurance Providers: State Bank of India maintains a tie-up with only a few health insurance companies, which may reduce the choice of insurance providers.
      • Availability of Riders: Health insurance riders that are typically offered with regular health insurance plans may not be available under State Bank of India health insurance policies.

      State Bank of India Health Insurance: FAQs

      • Q1. Is there any health insurance in SBI bank?

        Ans: Yes, SBI Bank offers multiple health insurance policies to its account holders. However, the coverage remains valid until the bank is associated with the insurance provider and the customer maintains an active SBI account.
      • Q2. What are the benefits of SBI insurance?

        Ans: The State Bank health insurance policy offers a wide range of benefits to the customers, including cost-effective premiums, no agent involvement, coverage for PED from day 1, and automatic premium payment.
      • Q3. Where can I find the State Bank of India health insurance hospital list?

        Ans: You can find the State Bank of India health insurance hospital list either on the website of the insurer or by contacting their customer support team. You can even check the network hospital list of the insurers partnered with SBI Bank on Policybazaar.com.
      • Q4. Are there any SBI health insurance plans for family?

        Ans: Yes, there are many SBI health insurance plans for family, such as Royal Sundaram Lifeline Health Insurance plan, SBI General Retail Health Insurance policy, etc.
      • Q5. What is the State Bank of India health insurance price?

        Ans: The State Bank of India health insurance price may differ from one person to another, depending upon certain factors, like age, location, and sum insured. However, you can check the estimated price of the plan of your choice by going through the State Bank health insurance premium chart. Moreover, you can use the health insurance premium calculator tool on the Policybazaar Insurance Brokers Private Limited website to calculate the approximate price.
      • Q6. What is the State Bank of India health insurance claim process?

        Ans: The State Bank of India health insurance claim process involves informing the insurer or the bank about the hospitalisation within the stipulated time frame and submitting the required documents. The insurer will then verify the documents and reimburse you the claim amount upon successful verification.
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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

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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