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SBI Super Health Insurance Policy
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Home > Health Insurance > Sbi General Insurance > Super Health Insurance
What is the Super Health Insurance Policy?
The SBI Super Health plan is a new and comprehensive health insurance offering from SBI Health Insurance. This plan caters to all your healthcare needs and is customizable based on your requirements. It is available for individuals and families as a foster plan, with adults being eligible from 18 years of age and dependent children from 91 days old.
The Super Health Insurance plan by SBI is a great option as it does not have a maximum age limit for the proposer and their family members. Additionally, the plan offers various variants, catering to different needs and preferences.
The SBI Super Health Insurance plan offers a comprehensive range of 27 base and 7 options covers, catering to varying healthcare needs. With sum insured options from 3 lakh rupees to 2 crore rupees, the policy provides extensive coverage for medical expenses. Key benefits include re-insure benefits, health multiplier benefits, annual health check-ups and access to global medical treatments, making it a versatile and reliable health insurance option.
Types of Super Health Insurance Policies
This policy offers the flexibility of being taken as an individual plan or a family floater plan. The details for the same have been discussed below.
- Individual: An individual can designate as beneficiaries their legally married spouse, children, parents, siblings, grandparents, grandchildren, in-laws, uncles, aunts, nephews, nieces or any other person with whom they have a legally recognized insurable interest.
- Family Floater: An individual can include his/her legally married spouse, dependent children (whether through natural birth or legal adoption), as well as your parents and parents-in-law as eligible individuals for certain benefits or legal purposes.
Super Health Insurance Policy Specifications
Specification | Description |
Eligibility | Adults can join at 18 years and children at 91 days and there is no maximum age limit |
Sum Insured Options | From ₹3 Lakhs to ₹2 Crores. |
Base Covers | 27 insurance plans covering Hospitalization, pre and post-hospitalization, daycare treatment and domiciliary hospitalization |
Optional Covers | 7 covers for Health Assistance, Dietician & Nutrition e-consultation and unlimited gym membership |
Annual Health Check-up | Up to ₹10,000 per year depending on the plan chosen, from the first renewal |
Maternity and Related Expenses | Medical expenses covered up to 2 lakh rupees, including pre & post-natal care and expenses for newborn |
AYUSH Treatment | Coverage for Ayurveda, Unani, Siddha, and Homeopathy systems of medicines. |
Enhanced Cumulative Bonus | No-claim bonus increases the insured amount |
ReInsure Benefit | Unlimited coverage available for added protection |
Claims Shield | Coverage for consumables such as gloves, masks, cotton, bandages etc to reduce expenses |
| Health Multiplier | Triple coverage at no extra cost for serious illness |
| Aggregate Deductible | The insured person pays the chosen deductible amount for eligible claims |
| Additional Basic Sum Insured for Accident | Double base sum insured for accident-related medical expenses |
| Co-payment | 10% or 20% co-payment after the deductible specified in the policy schedule |
| Emergency Road Ambulance Cover | Included in the coverage for emergencies. |
| Organ Donor Expenses | Organ donation expense coverage |
| Lifelong Renewability | The policy can be renewed for life with no age limit |
| Free Look Period | 15 days to review and return the policy document if not acceptable |
| Migration of Policy | Apply at least 30 days before policy renewal to switch health insurance plans |
| Portability | Port the policy to other insurers by applying 45 to 60 days before renewal |
| Standard Exclusions | Investigation and evaluation for obesity, cosmetic surgery, hazardous sports, breach of law, alcoholism, drug abuse, unproven treatments, and sterility. |
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Coverage Benefits of SBI Super Health Insurance Policy
The table provides a detailed overview of the coverage benefits available through the SBI Super Health Insurance policy, as outlined in the official policy document. This comprehensive summary will help prospective policyholders understand the extent of their coverage if they wish to purchase the super health policy from SBI.
| Coverage Benefit | Description |
Inpatient Hospitalization | Covers necessary treatment for illness or injury, including room rent, medical expenses, surgeon and specialist fees, anaesthesia, operation charges and diagnostic procedures |
Health Multiplier Benefit | Triple coverage for 37 serious illnesses at no extra cost |
ReInsure Benefit | Unlimited reinstatement of the sum insured with no additional premium for extra protection starting from the first claim in a policy year |
Shared Accommodation Cash Benefit | Daily cash benefit for a hospital stay in a shared room for over 48 hours |
Pre-Hospitalization Medical Expenses | Covers expenses for 60 days before hospitalization |
Post-Hospitalization Medical Expenses | Covers expenses for 180 days after discharge |
Day Care Treatment | Covers medical expenses for daycare treatment up to the sum insured |
Domiciliary Hospitalization | Covers domiciliary hospitalization expenses |
Emergency Road Ambulance Cover | Pays for emergency road ambulance services |
Organ Donor Expenses | Covers organ donation expenses |
Modern Treatment Cover | Covers modern treatments like robotic surgeries and stem cell therapy expenses |
| Annual Health Check-up | Annual health check-ups cover up to 10,000 rupees per year |
| AYUSH Treatment | Inpatient care covered for Ayurveda, Unani, Siddha and Homeopathy |
| New Born Baby Cover | Covers medical expenses for a newborn baby if the maternity claim is valid |
| Maternity and Related Expenses | Includes maternity and related expenses such as pre and post-natal checkups |
| Enhanced Cumulative Bonus | No claim years increase the sum insured with an enhanced cumulative bonus |
| Bariatric Surgery Cover | Covers expenses for bariatric surgery. |
| Claims Shield | Covers the payment of consumables like gloves, masks, cotton, and bandages. |
| Wellness Benefit | Offers wellness services, health assistance, dietician and nutrition e-consultation, and gym membership. |
| Walk Healthy Benefit | Offers a discount on renewal premium if the insured achieves the health points target. |
| Additional Basic Sum Insured for Accident | Provides additional coverage for medical expenses due to an accident-causing injury. |
| Co-payment | Requires a 10% or 20% co-payment on each admissible claim after the deductible. |
SBI Super Health Insurance Inclusions
- Inpatient Hospital Care
- Cash Benefit for Shared Accommodation
- Health Multiplier for 37 Critical Illnesses
- Medical Costs Before Hospitalization
- Medical Costs After Hospitalization
- Day Care Procedures
- Home-Based Hospitalization
- Home Health Services
- Emergency Road Ambulance Services (Per Hospitalization)
- Domestic Air Ambulance Services
- ReInsure Coverage (For Both Related and Unrelated Illnesses)
- Coverage for Bariatric Surgery
- Advanced Treatments and Procedures
- AYUSH System Treatment
- Recovery Assistance Benefit
- Consumables Cover
- Annual Health Screening
- Maternity and Related Costs (Including Pre and Post post-natal check-ups)
- Coverage for New Born Babies
- Increased Cumulative Bonus
- Loyalty Enhancement (Sum Insured Increase Irrespective of Claims)
- Medical Treatment Abroad (For Listed Major Illnesses Diagnosed in India)
- Outpatient (OPD) Coverage (Including Diagnostic and Pharmacy Costs)
- Outpatient (OPD) Coverage for Dental and Vision
- Outpatient and Prescribed Diagnostic Tests for Cancer Patients
SBI Super Health Insurance Waiting Period
- Pre-existing diseases are covered after the waiting period if the policy is continuously renewed. Hypertension is covered after 2 years of renewal.
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SBI Super 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.
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
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 |
|
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| 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)
The SBI GeneralSuper Health Insurance policy by SBI General Insurance is a comprehensive health insurance plan. It covers expenses related to hospitalization due to illness or injury, including room rent, doctor fees, medicines and more.
The SBI Super Health Insurance policy is for individuals and families, extending coverage to spouses, dependent children, parents and parents-in-law. Adults can enter from age 18 while the children’s entry age ranges from 91 days to 30 years, with no maximum limit.
To get a quote for SBI Super Health insurance, simply reach out to an SBI General Insurance agent, visit their website or speak to one of our insurance advisors. During the process, you will be required to provide information such as your age, desired sum insured and any additional covers you wish to include.
The Health Multiplier Benefit in the SBI Super Health Insurance policy is an exclusive feature of the policy. In case you are diagnosed with any of the 37 specified serious illnesses, your base sum insured can be increased by up to 3 times, based on your chosen plan. This ensures added financial security in critical situations.
The ReInstatement Benefit is a valuable feature because it replenishes the sum insured after each claim without requiring an additional premium. This provides peace of mind, as it means you can make multiple claims during a policy year without the risk of exhausting your coverage.
The SBI Super Health Insurance policy’s Claim Shield benefit is a valuable feature that safeguards your cumulative bonus, ensuring that even small claims will not impact it. This allows you to continue receiving premium discounts and maintain uninterrupted coverage, providing peace of mind and financial protection.
Yes, the SBI General Super Health Insurance provides pre-hospitalization expenses lasting up to 60 days as well as post-hospitalization expenses lasting up to 180 days, based on the selected plan.
The Medical Treatment Abroad benefit is really helpful for covering medical expenses when receiving treatment abroad for specific major illnesses diagnosed in India. You can find all the coverage details, including the list of covered illnesses and the maximum limit, in the policy document. This benefit provides peace of mind for those facing major health issues and needing treatment outside India.
To cancel your SBI General Super Health Insurance policy, simply submit a written request to the insurer. They will review the request and determine if any unused premium can be refunded, based on the terms and conditions.
If you decide to terminate your SBI Super Health Insurance policy before the end of the term, you might not receive a complete refund of the premium. The insurance company could hold back a part of the premium as cancellation fees.
Choosing between a family floater plan and individual health insurance plans depends on your family’s needs and budget. With a family floater plan, you can enjoy the convenience of having coverage for the entire family under one policy. On the other hand, individual plans provide separate coverage for each family member, allowing for more personalized options.
Selecting the appropriate sum insured is essential because it directly impacts the coverage amount during hospitalization. If the sum insured is insufficient, it may lead to unexpected out-of-pocket expenses. Conversely, an excessively high sum insured can result in higher premium costs. Therefore, it is important to carefully consider and choose a sum insured that aligns with your needs.
