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.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

SBI Health Insurance Claim Settlement Ratio

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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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

    Health insurance articles

    Recent Articles
    Popular Articles
    Health Insurance for Autoimmune Diseases in India

    16 Sep 2021

    Every human body comes with an immune system to fight against...
    Does Health Insurance Cover Multiple Sclerosis In India

    15 Sep 2021

    Due to a hectic lifestyle leading to unnecessary stress and...
    Critical Illness Insurance Policy For Stroke Patients In India

    14 Sep 2021

    Medical emergencies are unpredictable and it brings a lot of...
    Which Health Insurance to Buy for People below Poverty Line?

    09 Sep 2021

    Although the penetration of health insurance in India is quite...
    List of Diseases Covered by Star Health Insurance

    07 Sep 2021

    Getting diagnosed with a major illness is not only stressful but...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Download the Policybazaar app
    to manage all your insurance needs.