SBI Health Insurance for family

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*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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      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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      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:

      Categories

      Eligibility Criteria

      Adult

      Child

      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

      Renewability

      Lifelong

      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.

      FAQs

      • 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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