SBI General offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of SBI General
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to SBI General for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the SBI General policy
- The network hospital will send the hospital bill to SBI General.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate SBI General about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About SBI Health Insurance
SBI Health Insurance is the health segment of the SBI General Insurance Company, which was launched as a joint venture between the State Bank of India (SBI) and the Insurance Australia Group (IAG) in 2009. These health insurance plans offer comprehensive coverage to senior citizens, individuals as well as families. They also offer customized health plans for critical illnesses, COVID-19, etc.
The SBI General Insurance Company has a fast, fair and transparent claims procedure for proper management and quick settlement of claims. Besides, the company enjoyed an incurred claim ratio of 81.92% in the financial year 2021-22.
Types of SBI General Insurance Plans
The SBI Arogya Supreme policy is an extensive health plan that offers coverage for a variety of diseases and medical procedures. The policy is available in three variants – Pro, Plus and Premium.
Features and Benefits:
- In-patient hospitalization, domiciliary hospitalization and advanced procedures are covered
- Mental illness/psychiatric illness cover, HIV cover and bariatric surgery cover are available
- Internal congenital anomalies, genetic disorders and cataract surgery are covered
- Recovery benefit, compassionate visits and domestic emergency assistance services are available
- Day care procedures, alternative treatment, organ donor expenses and e-opinion are covered
- Sum insured refill benefit, cumulative bonus and annual health check-ups are available
- Road ambulance and pre-post hospitalization expenses are covered
- Optional benefits, such as major illness benefit, additional sum insured for accidental hospitalization, hospital cash benefit, etc. are available
- Enhanced cumulative bonus, NCB protector and any room upgrade benefit are also available as optional covers
SBI Super Health Insurance is a unique all-inclusive health plan that caters to all the medical needs of all its policyholders for ultimate protection. The policy comes in four variants – Elite, Premier, Platinum and Platinum Infinite.
Features and Benefits:
- In-patient hospitalization, pre-post hospitalization and domiciliary hospitalization are covered
- OPD cover, global cover, bariatric surgery cover and home health care cover are available
- Maternity expenses, including newborn baby expenses and child vaccination, are covered
- Reinsure benefit, health multiplier, claims shield and loyalty credit benefit are available
- Day care treatment, AYUSH treatment, road ambulance and air ambulance are covered
- Annual health check-up, enhanced cumulative bonus, shared accommodation cash benefit and recovery benefit are available
- Wellness benefits, including unlimited gym membership and walk healthy benefit, are available
- Optional covers, including enhanced reinsure benefit, enhanced cumulative bonus safeguard, additional basic sum insured and domestic help indemnity are available
SBI Arogya Plus is a mediclaim policy from SBI General Insurance Company that covers rising costs of OPD as well as hospitalization and minimizes out-of-the-pocket expenses of the policyholder.
Features and Benefits:
- In-patient hospitalization, OPD treatment and alternative treatment are covered
- HIV/AIDS cover, mental illness cover and advanced treatment cover are available
- Maternity expenses, internal congenital diseases and genetic disorders are covered
- No pre-policy medical tests are required for people aged 55 years or below
- Pre and post-hospitalization expenses are covered for 60 days and 90 days respectively
- Day care procedures, domiciliary hospitalization and ambulance expenses are covered
- No co-pay or deductible is applicable
The SBI Arogya Top Up policy provides enhanced coverage to individuals and families meet the large costs of hospitalization and recovery without losing all their savings.
Features and Benefits:
- No pre-acceptance medical tests are required for people up to the age of 55 years
- In-patient hospitalization, ambulance charge and day care expenses are covered
- Coverage for pre-post hospitalization and domiciliary hospitalization are available
- Maternity expenses and internal congenital diseases are covered
- Mental illness cover and HIV AIDS cover are also available
- Alternative treatments, organ donor expenses and advanced treatments are covered
The SBI Hospital Daily Cash Insurance policy provides a fixed benefit for each day of hospitalization to cover miscellaneous expenses, such as the cost of travelling and food, which are usually not covered by traditional health plans.
Features and Benefits:
- Daily allowance for each day of sickness hospitalization
- Twice the daily benefit amount is paid for ICU hospitalization and accidental hospitalization
- Thrice the daily benefit amount is paid as convalescence benefit after 10 days of hospitalization
- Coverage available for a maximum of 30 days and 60 days in a policy tenure
- No pre-acceptance health check-up is required for up to 45 years
The SBI Critical Illness Insurance policy offers financial coverage against 13 critical diseases so that the exorbitant cost of its treatment does not drain all the savings.
Features & Benefits:
- A lump sum payment is made on the diagnosis of the disease
- Pre-medical screening is not required for up to 45 years of age
SBI Loan Insurance is a unique mediclaim policy that has been designed to relieve the stress of paying the home loan in case of a critical illness diagnosis, personal accident and loss of employment.
Features and Benefits:
- No pre-medical check-up is required for people up to the age of 55 years
- Permanent total disability and loss of job cover are also available
- Coverage for accidental death are also available
The SBI Arogya Shield policy offers dual protection to the insured as it is a combination of health insurance and life insurance.
Features and Benefits:
- Coverage for hospitalization expenses, OPD treatment and day care procedures are available
- Alternative treatment, pre-post hospitalization expenses and ambulance charges are covered
- HIV/AIDS cover, mental illness cover and domiciliary hospitalization are available
- Maternity expenses, genetic disorders and internal congenital anomalies are covered
- Death benefit under life cover is available
The SBI Kutumb Swasthya Bima – retail provides financial support in case the insured meets with an accident or gets sick.
Features and Benefits:
- Hospitalization benefit and teleconsultation benefit are available
- Accidental death and permanent total disability are covered
- Hospital daily cash and conveyance allowance benefit are available
Key Benefits of SBI Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search SBI General Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a SBI health insurance claim:
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Claim FormDuly filled and signed SBI health insurance claim form
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Health Card/Policy CopyHealth card or a copy of SBI health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsAll medical bills, including hospital bills and pharmacy bills, along with payment receipts
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KYC DocumentsKYC documents to be submitted for claims above ₹1 lakh
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a SBI Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred SBI health insurance policy and pay the premium online
The process to renew a SBI Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the SBI health insurance policy you want to renew and pay the premium online
Here are the contact details of SBI Health Insurance Ltd.:
| Categories | Contact Details |
|---|---|
| Phone No (Weekdays – 8 am to 8pm) |
1800 102 1111 |
| Health Claims Helpline No (24x7) | 1800 210 3366 1800 210 6366 |
| Email Id | customer.care@sbigeneral.in |
SBI Health Insurance: FAQs
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Q1. Where can I check the SBI health insurance hospital list?
Ans: You can get the list of SBI health insurance network hospitals with the policy document sent by your insurance company or visit the insurer’s website. Alternatively, you can also get the city-wise list of network hospitals of SBI General Insurance Company on Policybazaar.com.
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Q2. How can I check the policy status for SBI health insurance?
Ans: Registered SBI Health Insurance online users can log in to the website of the insurer and check the status of their policy by entering the required details. If you have purchased the policy from Policybazaar, you can get in touch with their customer support team to know the status of your policy.
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Q3. How long does the company take to settle a claim for SBI health insurance?
Ans: An SBI health insurance claim is settled by the insurance company within 30 days of receiving all the required documents.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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