*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Some plans are available only after a certain time
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.
The SBI General Insurance Company offers a variety of health insurance plans to cater to the needs of people of all ages. Here is a list of SBI health insurance plans available in the market:
The SBI Arogya Supreme policy is an extensive health plan that offers coverage for a variety of diseases and medical procedures. The sum insured available under this plan ranges from Rs 1 lakh to Rs 5 crore. The policy is available in three variants – Pro, Plus and Premium.
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. It is available for a sum insured ranging from Rs 3 lakh to Rs 2 crore. The policy comes in four variants – Elite, Premier, Platinum and Platinum Infinite.
The SBI Arogya Premier policy has been designed to cover individuals as well as families against any emergency or planned medical expenses. It offers a sum insured ranging from Rs 10 lakh to Rs 30 lakh.
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. It is available with a sum insured of Rs 1 lakh, Rs 2 lakh and Rs 3 lakh.
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. The policy comes with a mandatory deductible of Rs 1 lakh to Rs 10 lakh for a sum insured ranging from Rs 1 lakh to Rs 50 lakh.
The SBI Retail Health Insurance policy provides comprehensive coverage that helps individuals and families to avail the best medical treatment available. The policy offers a sum insured ranging from Rs 50,000 to Rs 5 lakh.
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. It comes with a daily benefit amount of Rs 500, Rs 1000, Rs 1500 and Rs 2000.
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. It offers a sum insured ranging from Rs 3 lakh to Rs 10 lakh.
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. It comes with sum insured options ranging from Rs 1 lakh to Rs 1 crore.
The SBI Arogya Shield policy offers dual protection to the insured as it is a combination of health insurance and life insurance. While the life insurance sum assured ranges from Rs 5 lakh to Rs 25 lakh, the health insurance sum insured options of Rs 1 lakh, Rs 2 lakh and Rs 3 lakh are available.
The SBI Kutumb Swasthya Bima – retail provides financial support in case the insured meets with an accident or gets sick. It offers a sum insured for up to Rs 5 lakh.
Take a look at some of the major benefits of buying SBI health insurance plans:
The procedure to file a claim under an SBI health insurance plan is given below:
Inform SBI General Insurance Company about your accident or illness over a call or through SMS and obtain the claim number/ reference number.
Fill Up the Pre-Authorization Form
Obtain the pre-authorization form, fill it up and submit it at the network hospital. Submit the Required Documents
Submit the Required Documents
The hospital will submit all the required medical documents to the insurance company or its TPA.
The insurer/TPA will review all the documents and approve or reject the claim request
After hospital discharge, the insurer will settle the medical bills directly with the network hospital.
Note: In case of reimbursement claims, pay all the bills at the time of hospital discharge and collect all the medical documents. Submit the required documents to the insurer/TPA within the stipulated time. The insurer/TPA will verify your documents and settle the claims within 30 days of receiving the documents.
The following documents are required to process an SBI health insurance claim:
The SBI General Insurance Company has a wide network of empanelled hospitals that offer cashless hospitalization facilities to all its policyholders across India. Given below is the list of SBI health insurance network hospitals in various Indian cities:
Take a look at the steps to buy SBI health insurance plans online:
Step 1: Go to Policybazaar’s official website and click on the ‘Health Insurance’ icon
Step 2: Select the people to be insured and enter their age
Step 3: Choose the city in which you reside
Step 4: Provide your name, mobile number and gender
Step 5: Select if you have an existing illness or underwent any surgical procedure
Step 6: Pick the SBI health insurance plan to be purchased and pay its premium
Step 7: SBI General Insurance Company will issue the policy once the payment has been received
Given below are steps to renew your SBI health insurance policy online:
Step 1: Visit Policybazaar’s website and go to the ‘Renew Your Policy’ tab at the top of the page
Step 2: Select the ‘Health Renewal’ option
Step 3: Fill in your phone number and the OTP sent received
Step 4: In case of new users, click on the ‘Health Insurance’ icon on the homepage and provide the requested details
Step 5: Choose the SBI health insurance renewal plan and pay its premium amount
Step 6: The insurer will renew the policy once the premium is paid.
SBI health insurance premiums can be calculated by entering a few requested details in a health insurance premium calculator, such as the city of residence, sum insured, etc. Take a look at the SBI Health Insurance premium calculator given below to know the estimated premium of a health plan.
The SBI General Insurance Company provides a special health insurance policy to people who have an account with the State Bank of India (SBI). The details are as follows:
Check out the contact details of SBI General Insurance Company:
(Weekdays – 8 am to 8pm)
|1800 102 1111|
|Health Claims Helpline No (24x7)||1800 210 3366
1800 210 6366
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.
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.
Ans: An SBI health insurance claim is settled by the insurance company within 30 days of receiving all the required documents.
Ans: If an SBI health insurance policy is cancelled during the free-look period or the first 15 days of the policy start date, no cancellation fee is charged. However, if the policy is cancelled after this period, the paid premium is refunded after deducting the cancellation fee.
Ans: Some of the permanent exclusions of an SBI health insurance policy are:
Ans: Most SBI health insurance plans cover pre-existing diseases after a waiting period of 2 to 4 years depending upon the policy purchased.
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