SBI Health Insurance Claim Settlement Ratio

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      SBI Health Insurance Claim Settlement Ratio

      All the health insurance companies have a claim settlement ratio. Any claim ratio between 80% and 90% reflects well on the insurer. SBI claim settlement ratio is consistent that makes it a great choice to buy health insurance online. SBI health claim ratio is 96%; therefore, you can trust the insurer and be relieved that your health insurance claims will be settled in time.

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      SBI General Insurance Company at Glance

      Features Specifications
      Network Hospitals 6000+
      Incurred Claim Ratio 52%
      Claims Handled Rs 110 billion
      Renewability Lifelong
      SBI Network Branches 24000+

      Claim Process of SBI Health Insurance

      SBI General Insurance Company has made their health claims hassle-free. You can easily understand the claim process that is designed especially to reduce the inconvenience for the policyholders. SBI General Insurance Company provides a wide range of healthcare facilities and is well-known to have settled countless health insurance claims through its quick and simple claim settlement procedure.

      Talking about the procedure to settle the claim, the policyholders can choose for claim reimbursement and cashless claims as per their convenience.

      SBI Health Insurance Claim Process for Cashless Treatment

      There are more than 6000 cashless hospitals under the SBI General Health Insurance network where cashless treatment is possible. The insured can choose any of the nearest network hospitals and the claim settlement process is given below:

      • Find the nearest network hospital in your area where you want to avail cashless medical treatment
      • Whether it is a planned hospitalization or emergency hospitalization make sure that you inform the insurer immediately
      • Carry your SBI health insurance policy proof and a cashless card when visiting the network hospital that you have selected
      • Show your health card at the hospital insurance desk
      • Now fill the pre-authorization form that is given to you by the network hospital, which will then be sent to the insurer
      • Your claim request will be reviewed and examined, you will be notified regarding the approval or rejection of the claim
      • Once you get approval for your claim, the insurer will pay for the cost of treatment. In case of claim rejection, you will need to pay the bills

      SBI Health Insurance Claim Process for Reimbursement

      A claim for reimbursement can be filed at both the network and non-network hospitals. The process for filing reimbursement of your claims is given below: 

      • You need to immediately inform the insurer in case of a planned hospitalization
      • In the event of an emergency hospitalization, you need to intimate the insurance provider or our claim team
      • Within 30 days of getting discharged from the hospital, you need to submit the claim form along with all the required documents
      • Your claim request will be reviewed and examined, you will be notified regarding the approval or rejection of the claim
      • Once you get approval for your claim, the insurer will pay for the cost of treatment. In case of claim rejection, you can seek the reason for the rejection from the insurance company

      Documents Required for SBI Health Insurance Claim

      Every claim is settled after the submission of the required medical documents and bills to the insurer. The list of documents required for SBI Health Insurance claims is given below:

      • Primarily provide your ID at the insurer helpdesk as a registered customer before lodging your claim request
      • Your details will be verified by the hospital and a pre-authorization form is then submitted to your health insurance provider, in this case, SBI General Health Insurance Company
      • If it is an accidental claim, the health insurance provider  will ask for Police FIR or Medico-Legal Certificate
      • Also, furnish the Invoice of the pharmaceutical bills during the treatment
      • Now, the insurer will verify all the details and documents for authentication and ask for more documents ( if required)
      • Once all the bills, reports, prescriptions, etc. are submitted then the claim amount will be reimbursed

      To know more about health claims you can call on our helpline number at 1800-208-8787. To write to us you can email us at

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