"Spending a whole day looking for insurance is fun," said nobody, EVER!
Close

We need a little info to line up the best health insurance quotes for you!

SBI General Health Insurance

Car Insurance
  • Premiums as low as Rs.5 Lakhs
  • 10,000+ hospitals for cashless treatment
  • Get plans with no limit on room rent

A joint venture between the Insurance Australia Group and the State Bank of India, SBI General Insurance Company Limited offers various insurance products such as motor, personal accident, travel, home, fire, marine, etc. SBI General Health Insurance is one of their product offerings.

Features & Benefits of SBI General Health Insurance

  • Good coverage options - SBI offers customers attractive coverage options. A prospective buyer can choose a sum insured amount as per his/her personal needs and financial limitations without any hassles.
  • Flexible and comprehensive plans- The best part about SBI General Health Insurance is that it offers a wide range of plan options that give policyholders the flexibility to make choices as per personal preferences and other factors such as the the city they live in, etc.
  • Wide range of add-ons- SBI gives policyholders the benefit of a wide range range of cover options. Some of the riders include ICU charges, consultancy charges, ambulance fee, operation theatre fee, etc.
  • 24/7 customer support- A well-trained customer service team works on a 24/7 basis to resolve issues, clear doubts, answer claim queries and other issues related to insurance.
  • Free- medical check-up- Policyholders will be eligible for a complimentary health check-up upon the completion of at least 4 claim-free years.
  • Easy online purchase and renewal- Purchasing a health insurance policy from SBI is just a click away. All purchases and renewals can be done online without any hassles just by following a few simple steps.

Plans provided by SBI General Health Insurance

Plan Plan Basis Sum Insured Range
Arogya Premier Individual and Family Min:Rs.10 lakh Max:Rs.30 lakh
Arogya Plus Individual and Family Min:Rs.1 lakh Max:Rs.3 lakh
Arogya Top up Individual and Family Min:Rs.1 lakh Max:Rs.10 lakh
Health Insurance SBI Individual and Family Min:Rs.1 lakh Max:Rs.5 lakh
Critical Illness Individual Upto Rs.5 lakh
Hospital Daily Cash Individual Daily allowance

*Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

Arogya Premier

Specifically designed for high net-worth individuals, this policy offers good coverage and comes with a good set of benefits and add-ons.

Unique Features of Arogya Premier Policy

  • This policy offers the benefit of air ambulance services that can be availed up to a maximum of Rs.1 lakh
  • Coverage is offered to daycare expenses, organ donor expenses and other treatments such as Homeopathy, Siddha, Unani and Ayurveda
  • Expenses related to maternity will be taken care of under the policy after completion of a waiting period of 9 months
  • Pre and post-hospitalization expenses will be provided
  • Tax benefit applicable
  • Operation related expenses

Plan Details

Policy Term 1,2 and 3 years
Entry Age From 3 months to 65 years
Plan Basis Individual and Family
Sum Insured Range Min:Rs.10 lakh Max:Rs.30 lakh
Premium Payable in advance
Medical Screening Only for those above 55 years old
No Claim Bonus 10%
Discounts Cumulative bonus

Arogya Plus

The Arogya Plus plan is an enhanced health insurance option that provides multiple coverage options.

Unique Features of Arogya Plus Policy

  • OPD related expenses will be taken care of as mandated in the policy terms and conditions
  • Tax benefit can be availed under section 80D
  • Maternity benefit offered
  • Daycare, pre and post-hospitalization expenses covered
  • Other benefits include cover for nursing expenses, ICU, diagnosis, operation and hospitalization related expenses

Plan Details

Policy Term 1, 2 and 3 years
Entry Age From 3 months to 65 years
Plan Basis Individual and Family
Sum Insured Range Min:Rs.1 lakh Max:rs.3 lakh
Premium Rs.8,900 per annum for Rs.1 lakh sum insured, Rs.13,350 per annum for Rs.2 lakh sum insured, Rs.17,800 per annum for Rs.3 lakh sum insured
Medical Screening Only necessary for those above 55 years

Arogya Topup

The Arogya Topup policy is designed to provide added protection at a comparatively low premium rate.

Unique Features of Arogya Topup

  • AYUSH related expenses will be covered
  • Tax exemption can be claimed
  • Organ expenses, pre and post-hospitalization cost and other fees related to surgeons, maternity, ambulance services and day care expenses
  • Hospitalization expenses such as room rent, blood and oxygen, etc

Plan Details

Policy term Individuals: 1,2 and 3 years Family: 1 year
Entry Age 3 months to 65 years
Plan Basis Individual and Family
Sum Insured Range Min:Rs.1 lakh Max:Rs.10 lakh
Medical Screening Only necessary for those above 55 years

Health Insurance SBI

This is a comprehensive health insurance policy that has a wide scope of coverage.

Unique Features of Health Insurance SBI

  • Tax exemption applicable
  • Policyholders can avail cashless network services from the 3,000 odd empanelled network hospitals across the country
  • Coverage is also provided to certain specified pre-existing diseases after a waiting period of 1 year
  • The policy also covers ambulance charges, domiciliary hospitalization, day care expenses, ICU charges, specialist fees and other hospitalization expenses as mandated in the policy document

Plan Details

Entry Age 3 months to 65 years
Plan Basis Individual and Family
Sum Insured Range Min:Rs.1 lakh Max:Rs.5 lakh
Medical Screening Only for those above 65 years
Co-Payment 10%
Waiting Period 1 year

Critical illness

The SBI Critical Illness plan is specially designed to cover certain specified serious illnesses. This is an individual policy.

Unique Features of Critical Illness plan

  • This policy provides coverage against 13 serious illnesses such as paralysis, blindness, coma, first heart attack, stroke, heart valve surgery, aorta graft surgery, coronary artery bypass grafts, major organ transplant, multiple, primary pulmonary arterial hypertension, kidney failure, cancer
  • Tax exemption can be claimed

Plan Details

Policy term 1 and 3 years
Entry Age Upto 65 years only
Plan Basis Individual
Sum Insured Range Up to Rs.5 lakh

Hospital Daily Cash

This policy is specifically designed to take care of the day-to-day expenses at the time of hospitalization.

Unique Features of Hospital Daily Cash

  • During the time of hospitalization, a daily cash benefit of Rs.2,000 will be provided
  • ICU allowance of Rs.4,000 will be provided on a daily basis
  • Accidental hospitalization allowance of Rs.4,000 will be given on a daily basis and convalescence expenses of Rs.5,000 per day will be given

Plan Details

Policy term Individuals: 1,2 and 3 years Family: 1 year
Entry Age 18 to 65 years

Checklist before Buying SBI General Health Insurance

  • Before making a purchase, look into your personal and family needs and choose a plan accordingly
  • Consider all the factors such as premium range, sum insured amount, policy tenure and compare all benefits in the various plans
  • Keep all documents ready

Documents Required for Purchasing SBI General Health Insurance

  • ID proof and residential proof
  • Medical certificate, if required

Reasons to choose SBI General Health Insurance

Hassle-free claim settlement
Online transaction
Good coverage
Comprehensive plans
Added benefits

Incurred Claim Ratio of SBI Health Insurance

Incurred claim ratio basically refers to percentage of claims that are successfully solved by the insurance company in a given financial year.

Year Incurred Claim Ratio
2015-16 54.41%

Extra Benefits from SBI General Health Insurance

Portability SBI provides customers the option to port the policy from any other insurer to SBI without any hassles
Complaint redressal Any complaints can be lodged online, through their toll-free number or through email with the help of their Grievance Redressal option

SBI General Health Insurance Renewal

Log on to the SBI General Insurance and click on the ‘Renew’ option to complete the renewal process online. Just follow a few simple steps and make payment online.

SBI General Health Insurance Network Hospitals for Cashless Treatment

SBI General Health Insurance is equipped with over 3,000 cashless network hospitals where customers can avail good quality services. To locate the nearest network hospital, log on to the SBI General Insurance website and click on the ‘Hospital Network’ option.

Claim Procedure in SBI General Health Insurance

Cashless claim procedure:

  • Get prior approval from the insurance provider and contact the TPA
  • The health insurance card should be presented at the time of hospitalization
  • Bills to be paid by the insurance company to the network hospital

Reimbursement claim procedure:

  • Fill out the duly signed claim form
  • Bills, invoices and discharge summary should be submitted along with the claim form
  • Reimbursements will be made in 7 working days

Terms and Conditions of the Insurer

  • The policyholder must ensure that all information furnished at the time of purchase of the policy is accurate. In case of any misrepresentation of facts, the insurance provider has the right to cancel the policy at any point of time
  • Reimbursement claims will not be processed by the insurance provider unless documentary evidence is provided in terms of bills, invoices or discharge summary