SBI Health Insurance
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Overview of 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.
Choose SBI Health Insurance Coverage of Your Choice
SBI Health Insurance Plans
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.
Features & 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. 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.
Features & 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
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.
Features & Benefits:
- No medical tests are required for people aged 55 years or below
- In-patient hospitalization expenses, including in-patient physiotherapy, are covered
- Coverage for mental illness, HIV/AIDS and genetic disorders are available
- Pre and post-hospitalization expenses are covered for 60 days and 90 days respectively
- Maternity expenses as well as internal congenital diseases are covered
- Both road ambulance and air ambulance cover are available
- Day care expenses, domiciliary hospitalization and organ donor expenses are covered
- Cumulative bonus of 10% for up to 50% is granted for each claim-free year
- Alternative treatments and advanced treatment procedures are covered
- Health check-up benefits are available after every 4 claim-free years
- 100% automatic reinstatement of the sum insured is available once in a policy period
- No co-pay or deductible is applicable
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.
Features & 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. 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.
Features & 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 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.
Features & Benefits:
- No pre-medical screening is required for up to 45 years
- In-patient hospitalization expenses, including room rent, cost of medicines, ICU charges, etc. are covered
- Parental care, child care and convalescence benefit are available
- Pre and post-hospitalization expenses for 30 and 60 days are covered respectively
- Coverage for mental illness, HIV/AIDS, internal congenital diseases and genetic disorders are available
- Accidental hospitalization, cataract treatment and domiciliary hospitalization are covered
- Ambulance expenses, alternative treatment day care expenses and advanced treatments are covered
- Free medical check-up is available after every 4 claim-free years
- 5% cumulative bonus for up to 25% is granted for not raising a claim
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.
Features & 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. It offers a sum insured ranging from Rs 3 lakh to Rs 10 lakh.
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. It comes with sum insured options ranging from Rs 1 lakh to Rs 1 crore.
Features & 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. 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.
Features & 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. It offers a sum insured for up to Rs 5 lakh.
Features & 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
Why Should You Buy SBI Health Insurance Plans?
Take a look at some of the major benefits of buying SBI health insurance plans:
- No Pre-policy Medical Tests – Most SBI health insurance plans do not require pre-medical screening for applicants up to the age of 45 years.
- Covers Medical Expenses of NRIs – SBI Health Insurance for NRIs covers the medical expenses of non-resident Indians incurred during their visit/ stay in India.
- 24x7 Customer Support – The insurer has a well-coordinated customer care team that offers timely assistance to customers round the clock.
- Claims Assistance – The claims team of the SBI General Insurance Company is well-equipped to provide any claim-related assistance to policyholders in a fast and efficient manner.
- Tax Benefits - Tax saving benefits can be availed on SBI Health insurance premiums under Section 80D of the Income Tax Act, 1961.
How to File a Claim with an SBI Health Insurance Plan?
The procedure to file a claim under an SBI health insurance plan is given below:
Claim Intimation
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.
Get Approval
The insurer/TPA will review all the documents and approve or reject the claim request
Claim Settlement
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.
Documents Required for SBI Health Insurance Claim
The following documents are required to process an SBI health insurance claim:
- Duly signed and filled claim form
- Valid photo ID card
- KYC form
- Copy of SBI health insurance policy
- Original hospital discharge summary
- Doctor’s prescription for diagnostic tests
- Doctor consultation letter, treatment advice and medical references
- Original itemized hospital bills and payment receipts
- Original pharmacy bills with prescription
- Original medical expense receipt
- Original medical reports
- Original Death certificate/post-mortem report (in case of accidental death)
SBI Health Insurance Network Hospitals
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:
How to Buy SBI Health Insurance Plans?
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
How to Renew SBI Health Insurance Plans?
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.
How to Calculate SBI Health Insurance Premium?
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.
SBI Health Insurance for Account Holders
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:
- During FY 2013-14, the SBI General Insurance Company in association with SBI offered personal accident insurance cover to its 1.5 crore savings bank account holders.
- The account holders had the freedom to opt for an individual and group health insurance policy.
- The age criterion to buy this policy is 18-65 years for adults and 3 months-18 years for children.
- Under SBI group health insurance, there is no need for pre-medical tests of people, who do not have a medical history.
- There is a compulsory waiting period of 1 year for specified diseases.
- However, pre-existing diseases can be covered after a waiting period of 4 years.
Contact Details of SBI Health Insurance
Check out the contact details of SBI General Insurance Company:
| 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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Q4. What is the policy cancellation process for SBI health insurance?
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.
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Q5. What are the permanent exclusions of SBI health insurance?
Ans: Some of the permanent exclusions of an SBI health insurance policy are:
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Q6. When are pre-existing diseases covered under SBI health insurance?
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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