About SBI Super Health Insurance Plan
SBI Health Insurance plan is an all-inclusive mediclaim policy offering a unique range of benefits to individuals and families. It comes with the Enhanced Reinsure benefit that restores the coverage amount unlimited times a year by up to 100% or 200% of the sum insured for related and unrelated illnesses. It also offers Enhanced Cumulative Bonus Safeguard benefit that enhances the sum insured by 50% of the previous year’s coverage amount irrespective of claims.
SBI Super Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹3 lakh to ₹2 crore |
| Pre-policy Medical Check-up | May be required |
| Pre-existing Diseases Waiting Period | 2 years |
| Discount | Up to 30% wellness discount 10% direct channel discount Up to 6% long term discount 5% family individual discount |
| Co-payment | 20% on professional fees in OPD cover 30% on diagnostics and pharmacy expenses in OPD cover 50% on OPD dental & vision treatment |
or select from popular citiessSearch Arogya Premier Cashless Network Hospital list
Key Benefits of SBI Super Health Insurance Plan
SBI Super Health Insurance Plan Inclusions, Exclusions & Optional Cover
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In-patient Hospitalisation TreatmentIt covers medical expenses like room rent, ICU charges, nursing expenses, etc., incurred during a hospitalisation of at least 24 hours.
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Domiciliary HospitalisationIt reimburses the expenses incurred during a domiciliary hospitalisation for at least 3 consecutive days on the doctor’s advice.
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Day Care TreatmentIt covers day care treatments, including pre- and post-hospitalisation expenses, for which the insured is admitted for more than 2 hours.
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Pre-Hospitalisation Medical ExpensesIt pays for medical expenses incurred up to 60 days before the date of hospitalisation.
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Post-Hospitalisation Medical ExpensesIt covers post-hospitalisation expenses for up to 180 days after the insured is discharged.
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Emergency Road Ambulance CoverIt pays for transportation charges incurred in moving the insured to the nearest hospital during an emergency, another hospital for better treatment or from hospital to home.
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Plastic or Cosmetic Surgery ExpensesIt excludes treatment costs incurred on changing appearance if done solely for beautification purposes.
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Adventure Sports-related ExpensesIt does not cover expenses to treat injuries resulting from hazardous and adventure sports like parajumping, rock climbing, rafting, etc.
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Drug or Alcohol AddictionIt excludes the cost incurred on treating addiction to alcoholism or drug use or their consequences.
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Sterility or Infertility TreatmentsIt does not pay for expenses resulting from sterilisation, gestational surrogacy or assisted reproductive treatments like IVF, GIFT.
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Refractive ErrorIt excludes expenses incurred on eye-sight correction due to a refractive error of less than 7.5 dioptres.
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Unproven TreatmentsIt does not cover unproven treatments that lack medical documentation for efficiency.
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Enhanced ReInsure BenefitIt refills up to 200% of the base sum insured in place of 100% unlimited times a year in case of partial or complete exhaustion of the coverage amount.
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Enhanced Cumulative Bonus SafeguardIt protects the accumulated percentage of enhanced cumulative bonus at the time of renewal, regardless of claims filed in the previous year.
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Aggregate DeductibleIt allows the insured to opt for an aggregate deductible that must be paid before filing a claim with the insurer.
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Domestic Help/Staff Indemnity CoverIt pays for the medical treatment of the domestic help or staff of the insured.
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Co-paymentIt lets the insured opt for a voluntary co-payment of up to 20% on each admissible claim.
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Additional Basic Sum Insured for Accident-related HospitalisationIt provides two times of the sum insured for in-patient hospitalistion caused solely by an accident.
SBI Super Health Insurance Waiting Periods
| Category | Waiting Period |
|---|---|
| Initial Waiting Period | 30 days |
| Specific Illness Waiting Period | 1 year, 2 years |
| Pre-existing Diseases Waiting Period | 2 years |
| Medical Treatment Abroad Waiting Period | 3 years |
| Hypertension, Cardiac Condition and Diabetes Waiting Period | 90 days |
| Maternity Expenses Waiting Period | 2 years, 4 years |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Star Super Surplus Insurance Policy: FAQs
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Q1. What is the waiting period for SBI Super Health Insurance?
Ans: The SBI Super Health Insurance plan has an initial waiting period of 30 days, pre-existing disease waiting period of 2 years and specific diseases waiting period of up to 2 years. It covers hypertension, diabetes and cardiac conditions after 90 days, maternity expenses after 2 years or 4 years and medical treatments abroad after 3 years. -
Q2. Is SBI Super Health Insurance good?
Ans: Yes, the SBI Super Health Insurance is a good plan as it offers comprehensive coverage for an individual and their family's health needs. It provides OPD cover, maternity cover, home treatment cover, recovery benefit, air ambulance services, consumables cover, etc., apart from regular hospitalisation expenses. Moreover, it comes with benefits like enhanced cumulative bonus safeguard, unlimited restoration of sum insured, additional sum for accidental hospitalisation, multiplied sum insured for 37 serious illnesses, loyalty credit, etc. -
Q3. How can I check the SBI Super Health Insurance plan price?
Ans: You can check the SBI Super Health Insurance price by checking the policy premium chart or by contacting the customer care of the insurer. You can also use an SBI Super Health Insurance premium calculator online to check the cost of the policy.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
SBI offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of SBI
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to SBI for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the SBI policy
- The network hospital will send the hospital bill to SBI.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
