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SBI Health Insurance

SBI Health Insurance

SBI General Insurance offers comprehensive insurance coverage for hospitalization expenses incurred by the insured. Renowned among the various insurance providers, health insurance plans from SBI come with unique features. These medical insurance plans cover the policyholder for in-patient expenses, pre and post-hospitalisation costs, daycare treatment and many other healthcare expenses. One can choose from SBI health insurance for senior citizens, individual plans, corporate plans and corporate group policies with a flexible policy premium term. 

SBI General Insurance Company Limited is a joint venture between the State Bank of India and Insurance Australia Group (IAG). SBI owns around 74% of the total capital and IAG the remaining 26%. SBI takes immense pride to confirm that during the year 2013-14, SBI General in association with State Bank of India covered over 1.5 crore Saving Bank Account holders of SBI with a Personal Accident Insurance cover. SBI General has also established its presence in nearly 14,000 branches of State Bank of India. SBI General Insurance has more than 68 million happy customers and also received iAAA ration by ICRA for its high claim paying abilities.

SBI General Insurance follows a very efficient distribution model encompassing Bancassurance, Agency and Broking Channels& Retail Direct Channels. SBI General's current geographical coverage extends to 114 cities pan India and presence in another 350+ locations through satellite resources, it has tried and worked very hard in making its presence feel across the globe. SBI General is currently serving three major customer segments 1. Retail Segment (Individual & Families), 2.Corporate Segment (mid to large size Companies) and 3.SME Segment.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

SBI Health Insurance Company at Glance



Network Hospitals


Incurred Claim Ratio


Claims Handled

Rs 110 billion



SBI Network Branches


Why Buy SBI Health Insurance Plans?

Buying health insurance plans have become extremely important in the modern-day scenario. Medical expenses, as well as the treatment costs for various ailments, are perpetually on the rise. Thus, it is sensible to insure yourself under the best health insurance policy such as the SBI General Health Insurance policies.  SBI general health insurance plans will provide you healthcare services and a sense of security. Elucidated below are a few prominent reasons for you to consider -

  • SBI General health insurance plans provide a variety of health insurance plans that covers everything from basic illness and OPD expenses to critical illness.
  • SBI health insurance policy provide the insured with comprehensive coverage against various kinds of ailments and medical expenses.
  • SBI medical insurance offers a wide range of coverage options
  • It provides flexible plans options like Metro health insurance plan, Semi-Metro Plan and Rest of India
  • SBI health plans provide the option to cover the entire family including your dependent children, parents, spouse, and self under a single plan with a family floater policy
  • Pre and post-hospitalization expenses are compensated.
  • Get free health check-up after every 4 claim-free years
  • You can easily renew your existing health insurance plan from another insurer with SBI medical insurance
  • SBI Health Insurance plans provide lifelong renewability provision.
  • Cashless treatment is also available in over 6000 network hospitals in India.
  • There is a provision to enhance the cover by taking additional cover like removing sub-limits on room charges and consultation fees.
  • Tax saving benefits can be availed on SBI Health insurance premium under Section 80D of the Income Tax Act, 1961

Types of SBI General Health Insurance Plans

SBI General Insurance offers different types of Health Insurance Plans to meet the different insurance needs of its customers. After ascertaining the policy coverage and limitations, you can choose the one that meets most of your health requirements:

  • SBI Arogya Premier Policy

    SBI Arogya Premier is a medical insurance policy that offers coverage to individuals as well as their family members. SBI General health insurance policy offers numerous benefits such as a hassle-free buying process, a relaxed age limit, health checkups at regular intervals, tax savings, accumulated bonus option, and coverage for a number of illnesses and diseases. Listed below are the essential features of this health scheme:

    Plan Type

    Individual/Family Floater

    Sum Insured

    Rs 10 lakh – Rs 30 lakh

    Policy Term

    1, 2, and 3 years

    Ager Criteria

    3 months to 65 years

    Features & Benefits:

    • Wide coverage in policies starting from Rs. 10,00,000 and going up to Rs. 30,00,000
    • Comes in Individual / Family and Floater options. The family includes the insured, his or her spouse, children, parents and parents-in-law for the family plan. Family floater includes the self, the spouse and dependent children up to the age of 23 years
    • Minimum and maximum age of entry are 3 months and 65 years
    • No medical tests are required for people aged 55 years or below and who have no medical history
    • Can be taken for a tenure of 1, 2 or 3 years
    • Pre and post hospitalization expenses covered for 60 and 90 days respectively
    • Maternity expenses are covered after the initial period of 9 months after taking the policy
    • This scheme also offers air ambulance cover up to Rs 1 lakh
    • Insures against 142-day care expenses and even organ donor expenses
    • An SBI health insurance claim covers ambulance costs (including air ambulance) up to Rs. 1,00,000
    • Cumulative bonus of 10% of Sum Assured for each claim-free year, subject to a maximum of 50%
    • In addition to standard western medicine, it also offers coverage against the traditional AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) forms of medical treatment. These alternative treatments must be undertaken in a government hospital
    • Reimbursement of health check-up benefits up to Rs. 5,000 if no claims are made for 4 years
    • Automatically reinstates the full Sum Assured without the need for an additional premium if the amount is any way reduced due to a claim
    • Provides tax deduction under section 80D of the Income Tax Act
    • Has a grace period of 30 days from the end of policy term for renewing the cover
  • SBI Arogya Plus Policy

    SBI Arogya Plus is a health insurance policy that covers rising costs of OPD and hospitalization expenses, and ensures the policyholders do not spend too much of their money on hospital bills. These medical bills can be crippling and make a huge dent on people’s  savings. In addition, most of the policies in the market do not cover OPD expenses. This is where SBI General Arogya Plus Policy helps. Listed below are the essential features of this health plan:

    Plan Type

    Individual/Family Floater

    Sum Insured

    Rs 1,2 & 3 Lakh

    Age Criteria

    3 months to 65 years

    Policy Term

    1, 2, and 3 years

    Features & Benefits:

    • SBI Arogya Plus Policy offers two coverage options: Individual and Family Floater Basis
    • Minimum and Maximum entry age to buy this policy is 3 months and 65 years respectively
    • There is no exit age in SBI Arogya Plus policy
    • SBI Arogya plus offers sum insured options ranging from Rs 1 lakh , Rs 2 lakh to Rs 3 lakh
    • The premium for this policy is flat Rs 8,900, Rs 13,350 or Rs 17,800 annually for a sum insured of Rs 1, 2 or 3 lakhs
    • The policy offers OPD reimbursement depends on factors such as age, premium and family type
    • The policy provides three tenure options – 1 year, 2 years and 3 years
    • Has no sub-limit on maternity expenses, covering them for the full sum of the policy. It also treats maternity expenses under OPD benefit, provided the maternity expenses were incurred after 9 months of taking the policyThe policy does not require any medical tests for people aged 55 years or below if they have no medical history
    • The policy covers pre and post hospitalization expenses for 60 and 90 days respectively
    • The policy safeguards against 142 OPD (day care) procedures
    • It also provides domiciliary hospitalization and ambulance expenses cover
    • However, it does not cover pre-existing illnesses for the first 4 years of the plan and certain specified illnesses for the first year of the cover
    • The insured person can claim tax benefit under section 80D of the Income Tax Act
  • SBI Arogya Top Up Policy

    SBI Arogya top up is a health plan from SBI General Insurance is ideal to meet the expenses of unexpected critical events like accidents or illnesses over and above the basic insurance plan. With a large top up cover, the policy helps the individual and the family (under the floater plan), meet the large costs of hospitalization and recovery nowadays. Listed below are the essential features of the plan:

    The plan comes in Individual / Family and Family Floater options with the Family plan also including the parents and parents-in-law in addition to the insured, his or her spouse and dependent children. The Family Floater plan does not include the parents or the parents-in-law

    • No medical tests are required for people up to the age of 55 years
    • Offers a large coverage starting from Rs. 1,00,000 and up to Rs. 50,00,000 with deductible option of Rs. 1,00,000 to Rs. 10,00,000. The deductible option comes in multiples of 1 lakh
    • Has a policy term of 1, 2 or 3 years, with a 5% discount in premium for 2-year policy and 7.5% for a 3-year plan
    • Offers a reimbursement up to Rs. 5,000 for ambulance charge
    • Covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH)
    • Provides tax deduction under section 80D of the Income Tax Act
    • Has a grace period of 30 days from the last day of the policy tenure for SBI Health Insurance renewal
  • SBI Hospital Daily Cash Insurance Policy

    The plan offers you daily benefits on hospitalization and offers additional cover for travelling cost, food, etc. that are not covered in basic plans.  SBI Hospital Daily Cash Insurance policy provides you with fixed benefit for each day hospitalization expenses. Thus, the plan covers the miscellaneous expenses which are usually not covered by the Traditional Policies. Listed below are the essential features of the plan:

    Plan Type


    Sum Insured

    Daily Basis

    Policy Term

    30 days and 60 days

    Features & Benefits:

    • Entry age is 18 to 65 years for adults and children from the age of 3 months can be covered
    • The policy offers daily cash benefit from Rs 2000 to Rs 4000
    • ICU hospitalization cover up to twice the daily cover
    • 4 daily cash benefit options are available under this plan- Rs 500, Rs 1000, Rs 1500, and Rs 2000
    • Daily cash benefit from accidental hospitalization is provided
    • Convalescence benefit are paid in fixed lumpsum
    • You can easily get a refund within 15 days of free look period
    • The policy offers 30 days and 60 days of flexible coverage tenure
    • Tax saving under Sec 80 D of Income Tax Act
  • SBI Critical Illness Insurance Policy

    SBI Critical Illness Insurance is a health insurance policy that offers coverage against thirteen most life-threatening diseases. The exorbitant cost of treatment can drain anyone’s savings. But with this policy the treatment expenses are taken care of. The plan details are given below:

    Plan Type


    Sum Insured

    Rs 2 Lakh to Rs 50 Lakh

    Entry Age

    Up to 65 years

    Number of Critical Illnesses Covered


    Policy Term

    1 and 3 years

    Benefits & Features:

    • The policy reimburses up to 13 critical illnesses
    • The maximum age to buy this plan is 65 years and the minimum is 18 years
    • You can select from 1 year and 3-year plan options
    • The sum insured limit is up to Rs 50 Lakh
    • Pre-medical screening is not required up to 45 years of age
    • The policy covers the following critical illnesses: Cancer, Kidney failure, Paralysis, Coma, Total Blindness, Stroke, Primary Pulmonary Arterial Hypertension, Coronary artery by-pass grafts, Multiple Sclerosis, Myocardial Infarction (First Heart Attack), Heart Valve Surgery, Aorta Graft Surgery, and Organ Transplant. This is subjected to Survival period and minimum assessment period clause
    • 15 days of free look period is also available in this plan
  • SBI Group Health Insurance Policy

    SBI General’s Group Health Insurance Policy helps you in protecting yourself and your family from unforeseen medical expenses hence ensuring quality health and making the process stress free. Listed below are the essential features of the plan:

    Plan Type

    Individual/Family Floater

    Age Criteria

    18 to 65 years

    Pre-medical Check-up

    Not Required up to 65 years

    Sum Insured

    Rs 1 lakh – Rs 5 lakh

    Features & Benefits:

    • The minimum entry age for child is 3 months and maximum entry age is 30 years    
    • Entry age for health insurance cover is 18 to 65 years for adults
    • Sum insured limit ranges from Rs1 lakh to Rs5 lakh
    • Medical Practitioner and Specialists Fees shall be covered in this plan
    • Room, Board & Nursing Charges, ICU charges to be covered as well
    • The policy covers Pre and post hospitalization expenses 60 days after and 30 days before hospitalization
    • Multiple Coverage Options are offered – Individual & Family Floater options for Sum Insured
    • Ambulance charges are paid as well
    • 10% Co-payment up to admissible claim limit
    • Expenses incurred on daycare surgery, Eye treatment, Dialysis, Tonsillectomy, Chemotherapy, Radiotherapy etc. is recompensed
    • Domiciliary hospitalization expenses are covered as well
    • Integral expenses incurred on dialysis, oxygen, medicines, radiotherapy, operation theatre, surgical appliances, chemotherapy, pacemaker cost, and similar
    • One year of the waiting period is applicable in case of specified diseases
    • Coverage of pre-existing diseases is provided after 4 years
    • Tax saving benefits are offered under sec 80/D on the SBI health insurance premium

    Lifelong renewability coverage option is available

  • SBI Loan Insurance Policy

    SBI loan insurance is a unique policy that is designed to relieve the stress of paying your home loan under any unfortunate situation arising due to Critical Illness, Personal Accident and Loss of Employment.

    Entry Age Criteria

    18 to 60 years

    Sum Insured

    Rs 1 Crore

    Waiting Period

    90 days

    Pre-medical Check-up

    Not Required up to 45 years

    Features and Benefits:     

    • SBI Loan Insurance Policy can be availed up to 3 years
    • Up to the sum assured of Rs 1 Crore, a pre-medical check-up is not required. Up to the age of 55 years also medical check-up is not required.
    • Minimum entry age is 18 years and the maximum is up to 60 years
    • Permanent disability cover is provided in this plan
    • This policy provides loss of job cover– Maximum of 3 EMIs will be compensated
    • This plan facilitates Critical illness cover for Cancer, Kidney failure, Paralysis, Coma, Total Blindness, Stroke, Primary Pulmonary Arterial Hypertension, Aorta Graft Surgery, Coronary artery bypass grafts, Multiple Sclerosis, Myocardial Infarction (First Heart Attack), Heart Valve Surgery, Organ Transplant
    • 100 % compensation is offered in case of loss of eyes, physical separation or permanent disability of both hands or feet
    • Free look period is available
    • Pre-medical screening is not required to enrol in SBI loan insurance policy
    • Coverage for accidental death is provided
  • SBI Retail Health Insurance Policy

    SBI Retail insurance is a health insurance policy that helps you and your family in availing the best medical treatment available. All the family members can be covered under a single policy. The features and benefits that the policyholder can avail are listed below:

    Plan Type

    Family Floater

    Sum Insured

    Rs 50,000- Rs 5 lakh

    Add-on Covers


    Pre-medical Check-up

    Up to Rs 2500

    Features & Benefits:

    • The policy does not require the applicants to undergo premedical screening 45 years if they do not have any medical history
    • One of the special features is option to choose from Flexible Plans: Metro Plan, Semi Metro Plan & Rest of India
    • The policy covers hospital room rent charges, cost of medicines, ICU charges, nothing expenses, OT charges, and doctor’s fees
    • It also covers pre and post hospitalization expenses for 30 and 60 days respectively

SBI Health Insurance for Account Holders:

SBI Genera health insurance providers this special policy for account holders with State Bank of India:

  • During the Financial Year 2013-14, SBI General Insurance in association with SBI Bank offered personal accident insurance cover 1.5 Crore savings bank account holders. SBI account holders can also buy Individual and group health insurance plans.
  • The age criteria for policy purchase is around 18-65 years for adults and 3 months-18 years for children.
  • For specified disease there is a compulsory waiting period of 1 year.
  • For SBI group health insurance, there is no requirement for pre-medical tests for people (up to the age of 65 years) who have no medical history.
  • Moreover, pre-existing disease can also be covered after a waiting period of 4 years

How to Buy SBI General Health Insurance Plans?

SBI General health insurance plans can be purchased easily through multiple channels like:

  • Individuals desirous of availing any SBI General health insurance plan can simply call the Policy Bazaar’s Sales helpline of the company and speak to the customer service representative.
  • They can provide their name, mobile number and email id on the website of the company and request for a call back
  • Online SBI General health insurance plans can be simply purchased online through Policy Bazaar’s website by clicking on the ‘Buy Now’ tab mentioned against the relevant plans. They also provide easy access to renew the plans online

Lastly, the customers may also visit SBI General Insurance company’s branches or get in touch with an agent to buy the plans required

SBI Health Insurance Renewal Process

  • SBI health insurance plans are quite simple and easy to renew online. Just follow these simple steps to renew SBI medical insurance plans for self, family, parents, and senior citizens. Online renewal saves both time and efforts. Mentioned below are steps that you can follow to renew your SBI health insurance policy online-
  • Go to Policy Bazaar’s site and select the Policy Renewal option
  • Provide your SBI health insurance plan details
  • Once you enter the insurance details, you will get the cost of the insurance premium
  • Pay online through your credit or debit cards and you can even do NEFT
  • You can then download the renewed policy and keep a print out with you

SBI General Health Insurance Claim Process

The procedure to initiate the claim process is given below:
  • Inform SBI General Health Insurance Company over a call or email
  • Submit a duly signed and filled claim form along with a copy of original medical documents
  • Once the documents are submitted the insurera will settle the claims within 30 days.
  • As per the policy terms and conditions your health insurance claim will be approved or rejected.
  • For cashless hospitalization, a pre-authorization request needs to be approved by the insurance company or the TPA desk at the hospital.
  • In case of planned hospitalization, the insurer needs to be informed in advance
  • For emergency hospitalization, you can inform the insurer within 24 hours of hospital admission

Documents Required for SBI General Health Insurance Claims

Following documents are required to process SBI General health insurance claims:

  • Duly signed and filled claim form
  • KYC form
  • Copy of SBI health insurance policy
  • Original Hospital discharge summary
  • Prescription and doctor consultation letter
  • Bills/receipts/medical reports
  • Death certificate/post-mortem report (attested, in case of accidental death)
  • PAN Card/Address Proof/Other documents (as the case may be)
  • I.R copy (accidental cases)

SBI General Health Insurance Toll-Free Number

SBI General Insurance facilitates its applicants and customers to call on their Toll Free - 1800 22 1111 / 1800 102 1111 number from Monday to Saturday. Customers can also Fax them at 1800 22 7244 / 1800 102 7244. You can also send them an email at customer[.]care[at] or visit at any of the SBI General Insurance branch.

Read Reviews of SBI General Insurance Plans

SBI General insurance is one of the most popular names in the health insurance sector. However, it is suggested that before buying an SBI General health plan you should also check-out the customer reviews. Read what the customers have to say, the pros and cons of a plan, and see it if meets your requirements. This will help you buy a plan that meets your health insurance expectations.

SBI Health Insurance - FAQs

SBI Health Insurance - News

  • SBI General Insurance Launches Covid-19 Health Insurance

    Now all health insurance policyholders of SBI General Insurance can breathe a sigh of relief as the insurer has come up with a standalone health insurance policy covering the ongoing pandemic Covid-19. Known as Arogya Sanjeevani Health Insurance, the policy coverage ranges from Rs 1 lakh to 5 lakh that covers treatment expenses incurred due to Covid-19. An initiative like this can help in availing hassle-free and affordable health care in times like these without having to bothering about the expenses.

    Pushan Mahapatra, MD & CEO, SBI General Insurance while speaking on the launch of this policy termed this as a welcome development being launched with affordable premium and standard coverage, as per the guidelines of IRDA. Mr. Mahapatra was quite confident initiatives like this will help in increase health insurance penetration. In his speech he also mentioned that with a trusted brand like SBI and a robust distribution channels, they will try promoting this product especially in tier 2, tier 3 and rural areas, so that maximum awareness can be ensured.

Written By: PolicyBazaar - Updated: 20 May 2020
131,868 Confirmed Cases in India*
5,352,515 Confirmed Cases worldwide*
337,997 Confirmed deaths worldwide*
Average Rating
(Based on 5 Reviews)
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SBI Health Insurance Reviews & Ratings
4.3 / 5 (Based on 5 Reviews)
(Showing Newest 5 reviews)
Pune, July 12, 2016
Coverage Is Good
Policy coverage is high ~90% and premiums are less. Good health insurance plan in low investment. Claims are high and sanctioned easily due to fast service given by the staff members and great hospitality from the hospitals which are high in numbers.
Lucknow, July 12, 2016
I purchased health insurance plan in low premiums. Service facilitate by the company is fantastic and on time. Policy coverage is high and claiming is easy due to fast service. Ambulance is provided and it is absolutely free of any charges.
Howrah, July 01, 2016
Average Policy
My friend suggest me a health insurance plan. I purchase sbi health insurance policy. Policy premium is less and policy coverage is more. Claiming is easy due to fast service facilitate by the executives and staff members. Updates are mailed to my email address.
Allahabad, July 01, 2016
Good Insurance
I have sbi health insurance plan which has low premiums and the returns are high. Policy coverage is good and the accidental death benefits is also in this plan. The ambulance is facilitate for free and large amount of hospitals are working with the company for fast service.
Berhampur, March 17, 2016
mediclaim facility
for mediclaim benifits

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