SBI Health Insurance for family

SBI Health Insurance for family refers to a family health insurance plan that covers all the members of a family under a single policy. This plan by SBI General Insurance Company Limited takes care of the health needs of the entire family irrespective of the age of the family member.

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SBI Health Insurance for family

*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

    Key Benefits of SBI Health Insurance for Family

    Take a look at the key benefits of SBI Health Insurance for family:

    • Refill of the sum insured up to 100% if it gets exhausted
    • Preventive health check-up facilities available
    • Cumulative bonus available for every claim-free year
    • No pre-policy medical check-up required for people up to 45 years
    • Tax deductions available under Sec 80D, Income Tax Act, 1961
    • 10% discount on buying the policy online
    • 5% loyalty discount in case of an existing SBI policy
    • 4% & 6% discount on opting for 2 years or 3 years policy tenure respectively
    • 30% regional discount for people belonging to Zone 2

    SBI Health Insurance Plans for Family

    The following table represents the various SBI Health Insurance plans available for families:

    Plan Name

    Sum Insured (Rs)

    Pre-existing Diseases Waiting Period

    SBI Arogya Supreme Health Insurance Plan

    Pro – 1 lakh to 5 lakh
    Plus – 6 lakh to 20 lakh
    Premium - 25 lakh & 5 crore

    4 years

    View Plan

    SBI Arogya Premier Health Insurance Plan

    10 lakh to 30 lakh

    4 years

    View Plan

    SBI Arogya Plus Health Insurance Plan

    1 lakh, 2 lakh, 3 lakh

    4 years

    View Plan

    SBI Retail Health Insurance Plan

    50,000 to 5 lakh

    4 years

    View Plan

    Eligibility Criteria for SBI Health Insurance for Family

    Check out the table below to know the eligibility criteria for SBI Health Insurance for family:


    Eligibility Criteria



    Minimum Entry Age

    18 years

    91 days

    Maximum Entry Age

    65 years

    25 years

    No of Family Members Covered

    Self, spouse, dependent children, parents and parent-in-law



    Inclusions of SBI Health Insurance for Family

    The coverage provided under SBI Health Insurance for family are as follow:

    • In-patient Hospitalization
    • Mental Healthcare
    • HIV AIDS Cover
    • Genetic Disorder
    • Internal Congenital Anomaly
    • Advance Treatment Procedure
    • Pre-hospitalization Cover
    • Post-hospitalization Cover
    • Domiciliary Hospitalization
    • Day Care Treatment
    • Road Ambulance
    • Alternative Treatment
    • Organ Donor Expenses (excluded in Arogya Plus plan)
    • Maternity Expenses (excluded in Arogya Supreme plan)
    • Cataract Treatment (under Arogya Supreme and Retail Health Insurance plans)
    • Recovery/ Convalescence Benefit (under Arogya Supreme and Retail Health Insurance plans)
    • Bariatric Surgery Cover (under Arogya Supreme plan)
    • OPD Treatment (under Arogya Plus)

    Optional Covers:

    • Hospital Cash Benefit
    • Major Illness Benefit
    • Enhanced Cumulative Bonus
    • No Claim Bonus Protector
    • No sub-limits on Room Rent, ICU and Operation & Consultancy Charges
    • Co-payment
    • Deductible
    • Any Room Upgrade

    Exclusions of SBI Health Insurance for Family

    SBI Health Insurance for family does not cover the following:

    • Treatment taken outside India
    • Sterility & infertility treatment
    • Injuries due to participation in adventure or hazardous sports
    • Treatment for alcoholism or drug abuse
    • Refractive error
    • Plastic or cosmetic surgery
    • Self-inflicted injuries

    Get the full list of exclusions by going through the policy documents of SBI Health Insurance for family.


    • Q1. What are the waiting periods applicable to SBI Health Insurance for family?

      Ans: The following waiting periods apply to SBI Health Insurance plans for families:

      • Generic Policy Waiting Period – 30 days
      • Certain Specified Illnesses Waiting Period – 90 days/ 1 year/ 2 years/ 3 years
      • Pre-existing Diseases Waiting Period – 4 years
      • Waiting Period for Hypertension, Diabetes & Cardiac Conditions – 90 days
      • Major Illness Benefit Waiting Period – 90 days
      • COVID-19 Treatment Waiting Period – 15 Days
      • Internal Congenital Anomaly Waiting Period – 2 years
      • Cataract Surgery Waiting Period – 2 years
      • Maternity Waiting Period – 9 months
    • Q2. Is there any co-payment applicable to SBI Health Insurance for family?

      Ans: Yes. You will have to pay a co-payment of 10% on all claims under the SBI Retail Health Insurance plan if you get admitted to a non-network hospital. Besides, it is also available as an optional cover under the SBI Arogya Supreme plan.

    • Q3. Are there any sub-limits applicable to SBI Health Insurance for family?

      Ans: Yes. Sub-limits apply to room rent and ICU charges under in-patient hospitalization cover offered by SBI Health Insurance plans for family.

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