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SBI Health Insurance
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Home > Health Insurance > Sbi General Insurance
Overview of SBI Health Insurance
SBI Health Insurance, a division of SBI General Insurance company, provides extensive health coverage to senior citizens, individuals and families. Their offerings include personalized plans for critical illnesses and protection against COVID-19. Launched in 2009 as a joint venture between the State Bank of India and Insurance Australia Group, SBI Health Insurance has become a reliable option in the insurance market.
The SBI General Insurance company has a reputation for its efficient and transparent claims process, ensuring prompt settlement. In the financial year 2022-23, the company maintained an incurred claim ratio of 86% (as per Economic Times), reflecting its commitment to managing claims effectively.
SBI Health Insurance provides comprehensive health coverage through various insurance plans for individuals, senior citizens and families. Premium payments can be made and emergency claims can be made for the insured amount.
SBI General Insurance is proud to be a leader in the Indian general insurance industry, with a strong commitment to delivering exceptional customer service and innovative insurance solutions. Their dedication to excellence has been consistently recognized by prestigious institutions, further motivating them to continue their pursuit of excellence in the insurance sector.
- ET Edge Best Brands 2023
- ASSOCHAM 15th Global Insurance Summit & Awards
- ET Edge 10th Annual Insurance Summit & Awards
- 4th Emerging Asia Insurance Awards 2023
- 4th Annual BFSI Excellence Awards 2023
- Rural Marketing Association of India
- CRISIL / S&P Global
- ACEF Asian Leaders Summit & Awards 2023
- Insurance Asia Awards 2023 in Singapore
- BFSI Tech Summit and Awards 2023
- IBAI 18th Annual Summit Broker Choice Awards 2023
- India Insurance Summit & Awards 2023
- InsureNext Summit and Awards 2023
- The CSR Journal Excellence Awards 2022
- FICCI Insurance Awards 2022
- Economic Times Insurance 9th Annual Summit & Awards
- Most Preferred Workplaces in BFSI 2022-23
- BW HealthcareWorld Excellence Awards
- Great Indian BFSI Awards 2nd Edition 2022
- 3rd Annual BFSI Technology Excellence Awards 2022
- Indian Chamber of Commerce
- The Customer FEST Awards 2022
- InsureNext Awards 2022
- Dream Company to Work For
- India Insurance Summit & Awards 2022
- ISO 27001:2013 Certification for SBI General’s Information Security Practices
- SBI General Recognized with ET Best BFSI Brands Award 2018
- Best E-Magazine Award
- Bancassurance Leader (Medium & Small Category)
- Great Place To Work Recognition
- Best BFSI Brand Award
- Awards for “Under-served Market Penetration” and “Commercial Lines Growth Leadership”
- Marketing Initiative Award
- Data Quality Award
- Technology Maturity Award
- Rising Star Insurer Award
- Data Quality Asia Pacific Award
Choose the Best Health Insurance Plan
that provides all the necessary coverage benefits you need at affordable premiums.
Quick Links
- Overview of SBI Health Insurance
- Health Insurance Calculator
- Key Features of SBI Health Insurance Company
- Our Health Insurance Plans
- SBI Health Insurance Contact Details
- SBI Health Insurance Add-on Riders
- SBI Health Insurance Inclusions
- SBI Health Insurance Exclusions
- SBI Health Insurance Claim Process
- Documents Required for Buy Health Insurance?
- Documents required for Health Insurance Claim Process?
- Best Health Insurance Plans In India
- Frequently Asked Questions (FAQs)
Health Insurance Calculator
Key Features of SBI General Insurance Company
Rising medical costs highlight the increasing need for health insurance. It is crucial to consider the key benefits of health insurance, given the current scenario.
01
Covering Hospital Costs
Health insurance offers crucial protection by covering expenses for hospitalization due to illness or injury. By securing comprehensive coverage for your family, you can avoid potential financial strain and be better prepared for unexpected medical costs.
02
Coverage Before/After Hospitalization
SBIG’s health insurance plans offer coverage for both pre and post-hospitalization expenses. This means that policyholders can receive financial assistance not only during their main treatment at the hospital but also for expenses related to consultation and diagnostics.
03
Payments without Cash
The cashless facility provided by SBI health insurance plans allows policyholders to be admitted to any network hospital of the insurer. The insurer will reimburse the hospital for any expenses up to the sum insured. This benefit is invaluable as it ensures that financial constraints do not affect the quality of medical treatment.
04
Maintaining Health Through Early Intervention
Some health insurance plans provide complimentary health check-ups when no claims are filed, allowing policyholders to monitor their health and detect any potential issues early on. This proactive approach to healthcare can lead to timely treatment and better health outcomes.
05
Alternative Therapy
Health insurance plans now include coverage for alternative treatment methods like Ayurveda and Homeopathy, in addition to conventional medicine. This allows policyholders to have more options for medical treatment according to their preferences, without worrying about the cost.
06
Tax Advantages
Premiums paid for health insurance plans from SBI are eligible for deductions under Section 80D of the Income Tax Act, allowing policyholders to save on their taxes. This deduction allows up to 25,000 rupees to be exempted for self, spouse and children, with an additional 25,000 rupees deduction available for parents. For senior citizen parents aged 60 years or older, the exemption increases to 50,000 rupees.
07
Extensive Network
SBI General is a highly reputed insurer in the country, offering a vast network of over 6000 hospitals and 24,000 SBI branches across 114 locations in India.
08
Comprehensive Coverage
SBIG provides a diverse range of health insurance options tailored to meet the unique needs of Indian customers, ensuring comprehensive medical coverage. These plans encompass various healthcare expenses, such s in-patient hospitalization, hospitalization costs, daycare treatments and other related medical expenditures.
09
24/7 Support
SBI General prompts customer support through a 24/7 helpline dedicated to health insurance. This service aims to address any concerns, provide assistance with claim-related inquiries and offer clarification on insurance-related queries.
10
Easy Online Purchase
SBI General has made it even better by offering the facility to buy health insurance plans directly from its website, making the process quick and convenient for customers.
11
Policy Portability
You can transfer your current policy from another insurer to SBI General for improved service and cost-effective prices.
Other Insurance Plans
Individual And Family Health Insurance Plan
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Care Health Insurance Contact Details (Pending)
You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:
Phone: 1800-102-4499 (Sales) or WhatsApp: 8860402452 (Services)
Website: Care Health Insurance
Download the Mobile App for easy policy management.
SBI Health Insurance Add-on Riders
SBI Health Insurance add-on riders provide policyholders with the option to enhance their coverage by purchasing additional benefits from SBI General Insurance company for an extra premium. These riders are designed to increase the overall protection offered by the base health insurance policy. Policyholders have the flexibility to add a rider when purchasing or renewing their policy.
01
SBI Hospital Daily Cash
This gives a fixed daily allowance for hospitalization and doubles in the case of ICU. Deductibles of 24 hours applies. This rider is available in SBI Health Edge and SBI Arogya Supreme plans.
02
SBI Co-Payment
This rider has a 10% or 20% co-payment on claims. It is available under the SBU Health Edge, SBI Super Health Insurance and SBI Arogy Supreme plans.
03
SBI Domestic Help/ Staff Indemnity
It covers medical expenses for the policyholder’s staff. It covers hospitalization, daycare, SYUSH, modern treatments, ambulance and bariatric surgery. It is available under the SBI Health Edge and Super Health plans.
04
SBI Additional Sum Insured for Accidental Hospitalization
This rider adds extra insurance for accidental hospitalization under the Arogya Supreme and Super Health Insurance.
05
SBI Wellness Benefit
This rider offers wellness services like fitness coaching, e-consultation, gym membership and premium discount on achieving steps target. This is available with the SBI Health Edge and SBI Super Health Insurance plans.
06
SBI Healing Benefit
This rider pays a lump sum for hospitalization of more than 5 consecutive days. It is available with the SBI Health Edge Insurance plan.
07
SBI Critical Illness Cover
This add-on cover pays a lump sum for 60 listed critical illnesses with a 90-day waiting period, for ages between 18 and 45 and is available under the SBI Health Edge Insurance policy.
08
SBI Booster Benefit
This increases the sum insured amount by 50% to 200% with no claims in the previous year. It is available with the SBI Health Edge Insurance policy.
09
SBI Women Care Benefit
This rider covers maternity expenses including delivery, pre-natal, post-natal, newborn baby’s treatment and assisted reproduction treatment with a 4-year waiting period. This add-on too is available under the SBI Health Edge Insurance policy.
10
SBI E-Opinion
The rider covers medical opinion from the insurer’s doctors for a diagnosed condition. This is offered with the SBI Health Edge Insurance plan.
11
SBI Major Illness Benefit
This rider pays 100% of the sum insured for up to 25 lakh rupees if the insured is diagnosed with any of the 30 listed critical illnesses. It comes with a 30-day survival period and is offered under the SBI Arogya Supreme policy.
12
SBI Unlimited Refill
This rider restores the sum insured amount 100% unlimited times for related and unrelated illnesses under SBI Health Edge Insurance.
13
SBI Enhanced Cumulative Bonus
This rider offers up to a 200% bonus for claim-free years under the SBI Arogya Supreme policy.
14
SBI OutPatient (OPD) Cover
This cover rider includes medical treatment costs. It covers fees, diagnostics and pharmacy expenses. It is a part of the SBI Health Edge Insurance plan.
15
SBI No Claim Bonus Protector
This rider preserves the bonus even if a health claim is filed but it only applies if the previous claim is less than 50,000 rupees. This rider is available under the SBI Arogya Supreme scheme.
16
SBI Claims Safeguard
This rider covers non-medical expenses paid by health insurance like gloves, cotton, syringes, masks etc. It is a part of the SBI Health Edge Insurance plan.
17
SBI Any Room Upgrade
It covers all the hospital rooms except for the suite and above for policyholders with a sum insured of 5 lakh rupees to 20 lakh rupees. This rider is a part of the SBI Arogya Supreme policy.
18
SBI Deductible
This rider requires the policyholder to pay 10,000 rupees or 25,000 rupees at claim settlement. The SBI General Insurance company pays the medical expenses only after the deductible is exhausted. This rider is available under the SBI Arogya Supreme policy.
19
SBI Enhanced ReInsure Benefit
This rider recharges the sum insured amount by 200% unlimited times in a policy year for raising claims for any illness under the SBI Super Health Insurance policy.
20
SBI Accidental Death Cover
It pays a lump sum for accidental injuries to the insured. This dd-on is available under the SBI Health Edge Insurance plan.
21
SBI Enhanced Cumulative Bonus Safeguard
This rider maintains a bonus % after a claim in the previous year if the claim is under 1 lakh rupees. This add-on is available under the SBI Super Health Insurance plan.
22
SBI Vector Borne Fixed Benefit
This rider pays a lump sum amount if the insured hets hospitalized for vector-borne diseases. This add-on gets activated after 48 hours of hospitalization and is offered under the SBI Health Edge Insurance policy.
23
SBI Aggregate Deductible
This rider requires the policyholder to pay a deductible amount during claim settlement, ranging between 1 lakh and 10 lakh rupees. This add-on is available under the SBI Super Health Insurance plan.
24
SBI Global Treatment
This rider covers treatment outside India for 16 critical illnesses. Diagnose the illness in India first. This is available under the SBI Health Edge policy.
SBI Health Insurance Inclusions
- Hospitalization expenses for at least 24 hours are covered, including pre and post-hospitalization as per the policy norms.
- 141 daycare procedures and their associated medical expenses.
- AYUSH treatment hospitalization expenses.
- Fees for medical practitioners, surgeons, anaesthetists, consultants and specialists.
- Medical expenses for surgery, including anaesthesia, blood oxygen, operation theatre costs, surgical appliances, medicines, consumables, diagnostics, X-ray, dialysis, chemotherapy, radiotherapy, pacemaker and implants.
- The expenses associated with treating cataracts.
- Ambulance expenses limit of 2,000 rupees per hospitalization.
- Costs for dental and plastic surgery due to illness or injury.
SBI Health Insurance Exclusions
- Coverage for disease diagnosed within the first 30 days of the policy purchase.
- Rest, rehab and respite care.
- Obesity and weight control are critical issues that need to be addressed, particularly in specific cases.
- Gender transition surgeries.
- Unnecessary plastic or cosmetic surgeries.
- Sports injuries.
- Breach of law.
- Addiction/abuse of alcohol, drugs or substances.
- Dietary and OTC supplements unless prescribed by a medical practitioner as part of hospitalization, claim or daycare procedure
- Refractive error
- Unproven/experimental treatments
- Sterility and infertility
- War and war-like situations
- Treatment outside India
SBI Health Insurance Claim Process
- Policyholders must promptly notify either SBI General or the Third-Party Administrator (TPA) in the event of an accident or illness requiring hospitalization or daycare, through a phone call or email.
- To get a claim number or reference number, the policyholders can contact SBI General by calling their toll-free number 1800 102 1111, sending an SMS with the message “CLAIM” to 561612 or emailing their details to customer.care@sbigeneral.in.
- Policyholders can also have the option to notify the company about the claim by providing the necessary information on the company’s official website.
- Within the next day, a customer representative will contact the policyholder to provide information about the necessary documents and next actions.
- The process of cashless claims at network hospitals involves the insurer directly coordinating with the hospital to settle the bills, relieving the policyholder from the burden of upfront payment and reimbursement procedures. This streamlined approach offers convenience and financial relief.
- The policyholders must ensure all necessary documents are submitted, such as the claim form, photo identity card, discharge card/certificate/death summary, prescription copies for diagnostic tests, treatment advice, medical references, investigation reports, itemized hospital bills and receipts, as well as original pharmacy bills with prescriptions.
- Once the necessary documents are in the insurer’s possession, the company will promptly begin the process of reviewing and addressing any applicable claims. They will finalize all relevant claims within 30 days after receiving the final survey report.
Documents Required to Buy SBI Health Insurance Plans
- Proposal form copy for online OTP verification
- Required age proof includes education certificates (10/12 mark sheet), voter’s ID, passport, PAN card and driving license
- Address proof documents like aadhar, passport, driver’s license, electricity/telephone bill and voter ID card)
- Medical Reports
Documents Required for SBI Health Insurance Claim Process
- Completed claim form
- Valid photo ID card
- Original Discharge card/certificate/ death summary
- Prescription copies for tests. Treatment advice and medical references
- Original set of investigation reports
- Hospital bills, medical receipts and pharmacy bills with prescriptions
Best Health Insurance Plans In India
When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.
It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.
| Insurance Provider | Plan Name | Coverage Type | Sum Insured Range | Age Limit (Adults) | Important Parameters | |
|---|---|---|---|---|---|---|
| Care Advantage Health Insurance Plan | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| ICICI Elevate Health Insurance Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | |
| IFFCO Tokio Family Health Protector Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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| Niva Bupa Aspire Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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| Arogya Supreme Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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| TATA AIG Medicare Lite Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
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Frequently Asked Questions (FAQs)
SBI General has a variety of health insurance plans to fit different needs and budgets. They have several popular choices available like:
- Individual Health Insurance: Provides coverage for hospitalization expenses, which includes not only the cost of hospital stay but also the expenses incurred before and after admission.
- Family Health Insurance: It is a single plan that covers your entire family and can be a cost-effective option.
- Critical Illness Insurance: Provides financial support in the event of the diagnosis of a serious illness such as cancer or heart attack.
- Group Health Insurance: Perfect for businesses seeking to offer comprehensive healthcare coverage as part of their employee benefits.
The SBI General Retail Health Insurance Policy provides coverage for a variety of hospitalization costs such as:
- Room, board & nursing charges
- Surgeon, doctor, and specialist fees
- Anaesthesia, blood transfusion, and oxygen costs
- Surgical appliances, medicines, and consumables
- Diagnostic tests like X-rays and dialysis
- Ambulance charges
- Ayurvedic, homeopathic, and Unani treatments (subject to add-on cover)
- Daily hospital cash benefit (for specific plans)
The SBI General Retail Health Insurance Policy is typically renewable, contingent on the insured not being involved in any misinterpretation or fraud. While the insurer will make efforts to inform you about renewal, you must ensure the timely payment of premiums before the policy period elapses. Moreover, the policy allows for a 30-day grace period for renewal without any interruption in coverage.
Yes, the policy has add-ons available for an extra cost, allowing you to increase coverage limits or eliminate sub-limits on certain expenses.
Network hospitals partnered with SBI General Insurance provide a convenient cashless claim facility, streamlining the process for quicker settlement. By opting for treatment at a network hospital, the insurer is billed directly, simplifying the payment process for any non-covered expenses.
Yes, this policy does not cover expenses related to pregnancy and childbirth. If you have any concerns about coverage for these expenses, we recommend reviewing the policy details or reaching out to your insurance provider for clarification.
