SBI Health Insurance for family

(68 Reviews)
Insurer Highlights

*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
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Everything about the Activ One Plan by Aditya Birla Health Insurance

      05 Dec 2023

      In a time when increasing healthcare costs can create a
      Read more
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      Kidney Transplant Cost in India

      30 Nov 2023

      Kidney disease has been growing at an alarming rate in India. As
      Read more
      How Can NRIs Save Taxes on Health Insurance in India?

      24 Nov 2023

      Health insurance is an essential buy for people in India as well
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Pre-Existing Disease (PED) Cover from Day One
      Pre-existing diseases (PED) are mostly expensive to treat as they are chronic in nature. Unfortunately, most health
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.