SBI GENERAL HEALTH INSURANCE

SBI health insurance policy provides you with much-needed financial security in case of medical emergencies. It covers pre and post-hospitalisation expenses, including hospital room rent, boarding expenses, doctor fees, operation theatre, intensive care charges, nursing expenses and various medicines you consume during the hospital stay.

• Comprehensive coverage.
• Coverage for the entire family.
• Nursing expenses.
• Pre-existing diseases waiting period: 4 years.
• 100 billion rupees worth claims already handled.
• No medical check-ups up to the age of 45.
• Grievances solved: 96.01%.
• Tax exemption under section 80D.
• Lifetime renewability.

SBI Health Insurance from "SBI General Insurance Company Limited" serves millions across the country through its 6,000+ strong cashless hospital network and 24x7 claim assistance services.

Features & Advantages: SBI Medical Insurance

• Flexible plans for metros, semi-metros and the rest of India.
• Coverage from 50,000 to 50 lakh rupees.
• Individual and family floater plans for yourself, your spouse, children, and dependent parents.
• Option to choose the sum insured amount.
• Range of add-ons.
• Free health check-ups after completion of at least four claim-free years.

Health Insurance SBI Plans

1] Arogya Premier Policy

• Coverage from 10 to 30 lakh rupees.
• Pre-hospitalisation (up to 60 days) and post-hospitalisation expenses (90 days).
• Covers your hospital room rent, boarding expenses, doctor fees, operation theatre, intensive care charges, nursing expenses and medicines.
• Domiciliary hospitalisation.
• Also covers alternative treatment taken in accredited/recognised hospitals and 142 daycare expenses.
• No pre-policy medical test up to the age of 55 years (for individuals with no medical history).
• No sub-limits.
• Cumulative bonus: 10% of SI for every claim-free year (up to 50%).

2] Arogya Plus Policy

• Entry age: 3 months to 65 years.
• Coverage from 1 to 3 lakh rupees.
• Comprehensive pre-hospitalisation (60 days) and post-hospitalisation coverage (90 days).
• Includes hospital room rent, boarding expenses, doctor fees, operation theatre, intensive care charges, nursing expenses and medicines consumed.
• Domiciliary hospitalisation.
• Also covers alternative treatment taken in accredited/recognised hospitals and 142 daycare expenses.
• Outpatient treatment covered PD.

3] Arogya Top Up Policy

• Coverage from 1 to 10 lakh rupees.
• Comprehensive pre-hospitalisation (60 days) and post-hospitalisation coverage (90 days).
• Includes hospital room rent, boarding expenses, doctor fees, operation theatre, intensive care charges, nursing expenses and medicines consumed.
• Also covers 142 daycare expenses.
• No pre-policy medical test up to the age of 55 years (for individuals with no medical history).

4] Retail Health Insurance Policy

• Coverage from 50,000 to 5 lakh rupees.
• Comprehensive pre-hospitalisation (30 days) and post-hospitalisation coverage (60 days).
• Includes hospital room rent, boarding expenses, doctor fees, operation theatre, intensive care charges, nursing expenses and medicines consumed.

5] Critical Illness Insurance Policy

• Maximum entry age: 65.
• Available with two plans: 1 and 3 years.
• Coverage: 2 to 50 lakh rupees.
• Covers 13 critical illnesses: Cancer, End-Stage Kidney Failure, Primary Pulmonary Arterial Hypertension, Multiple Sclerosis, Major Organ Transplant, Coronary artery bypass grafts, Aorta Graft Surgery, Heart Valve Surgery, Stroke and Myocardial Infarction (First Heart Attack).

6] Hospital Daily Cash Insurance Policy

• Entry age: 18 to 65.
• Covers accidental injuries/sicknesses leading to hospitalisation.
• The maximum benefit payable: 30-60 days within the policy period.
• Provides daily cash benefit: 2,000 to 4,000 rupees/day.
• Convalescence expenses: Up to 5,000 rupees.

7] Group Health Insurance

• Multiple coverage options: Individual and family floater.
• Comprehensive coverage from 1 to 5 lakh rupees.
• Covers room-boarding charges, doctor, surgeon, nursing fees, ICU charges, cost of medicines and pre-post hospitalisation expenses (30 and 60 days respectively).
• No medical check-ups (if no medical history): Up to 65 years.

8] Loan Insurance Policy

• Provides critical illness, personal accident and loss of employment covers.
• Sum insured available on fixed/reducing basis.
• Coverage against 13 critical illnesses (on the diagnosis of anyone of them, the benefit amount is paid subject to policy terms): Cancer, Kidney Failure (End Stage Renal Failure), Primary Pulmonary Arterial Hypertension, Multiple Sclerosis, Major Organ Transplant, Coronary Artery Bypass Graft, Aorta Graft Surgery and Heart Valve Surgery.
• No medical check-up up to sum insured of 1 crore rupees and/or age up to 55 years.

General Exclusions of SBI Health Insurance Policy

• Pre-existing diseases: Up to 4 years.
• Any critical illness discovered within 90 days.
• Treatment of illnesses like Ulcers, Tonsillectomy, Hernia and Cataract during the first year.
• Treatments taken outside India.
• Outpatient treatment.
• Hospital stays without any active regular treatment by the medical practitioner.
• Experimental/unproven treatments.
• Self-medication/treatment not administered by a doctor.
• Congenital illnesses/defects and/or treatments administered for them.
• Hormone Replacement Therapy and contraceptive procedures.
• Gender change/cosmetic surgery/treatment/procedures associated.

Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.

SBI Health Insurance Premium

SBI health insurance premium is based on factors such as your age, medical history, lifestyle habits, the sum insured and the type of cover you choose. 

One can compare policies and plans by visiting SBI General Insurance's official website. Alternatively, you may use established online insurance comparison portals such as quickinsure.co.in to explore quotations, simplify and speed up the process of buying medical insurance.

SBI General Health Insurance Renewal & Purchase

One can apply for/renew a health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as quickinsure.co.in.

SBI Health Insurance Review

SBI health insurance, with over 68 million satisfied customers, is a trusted name for flexible medicare policies. It covers all segments, from individuals, families to senior citizens and is a go-to option for those looking for comprehensive healthcare plans at reasonable costs.

SBI Medical Insurance Policy: FAQs

Q: Is it compulsory to have health insurance in India?

No, it is not. However, it is always advisable.

Q: What's the age limit for buying health insurance from SBI General?

The minimum age for individual health insurance is 18 years. The maximum age is 65 years. 3 months old children can be covered if both parents are enrolled under the same plan.

Q: What is a family floater policy?

Applicable to an individual and his/her immediate family members. It can be taken out for up to four members (as per policy’s terms and conditions). Premiums are calculated based on the age of the oldest person covered.

Q: How can I pay my premium?

Via online payment, using net banking, debit/credit card, or cash payment at the nearest branch office.

Q: Can you please explain the claim settlement process?

• Claim intimation: Through the insurer's website or by calling the helpline number before hospitalisation in case of planned hospitalisation and within 24 hours for any emergency requirement.
• Download claim form from the company's website, fill it, attach all the supporting documents, and submit it at the nearest branch office.
• Your claim request is then verified, approved or rejected within a few days.
• The claim amount gets transferred to the policyholder’s bank account.

 

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for the most up-to-date and precise details.