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SBI Health Insurance Plan 2024
SBI Health Insurance
SBI Health Insurance
SBI General Insurance Company Limited offers dependable health insurance plans backed by the trusted SBI brand, making ...Read More
6,000+
Cashless hospitals
-
Claim settlement
2 Cr
Max sum insured
11
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,702 reviews
🏥 6,000+ hospitals
📊 2.03x solvency ratio
✅ - claim settlement
What you get with SBI Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 2 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
6,000+ cashless hospitals
Direct billing at network hospitals across 141 presence — no out-of-pocket payment at admission.
- claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.03x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
11 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About SBI Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
SBI Health Insurance: An Overview
SBI General Insurance Company Limited, established in 2009, is a joint venture between State Bank of India and Insurance Australia Group. As one of India's fastest-growing private general insurers, it leverages the strong legacy of trust and reliability associated with SBI. The company offers a wide range of insurance solutions, including health insurance, and has served over 34 crore customers across the country, aiming to deliver accessible and dependable protection.
What Does SBI General Insurance Do?
SBI Health Insurance is the health segment of SBI General Insurance Company. It offers various health insurance plans that provide comprehensive health coverage to individuals, senior citizens, and families. Policyholders can pay premiums and file claims during medical emergencies.
Key Highlights of SBI Health Insurance
- Utilizes multi-distribution models, including bancassurance, agency, broking, retail direct channels, and digital tie-ups.
- Upholds values of transparency, empathy, and agility.
- Offers add-on covers for enhanced protection under several health insurance plans.
- Boasts a fast claim settlement process, having settled over Rs. 110 billion in claims to date.
SBI Health Insurance at a Glance
- 6000+ Network Hospitals
- 1.8 Solvency Ratio
- 85.90% Incurred Claims Ratio
- Sum Insured: Up to 2 Cr
- 24X7 Customer Support
Distinguishing Features of SBI Health Insurance
- Special health plans for conditions like autism and diabetes.
- A comprehensive wellness system to promote a healthy lifestyle.
- Emergency air ambulance services.
- Coverage for international travel for treatments.
- Unlimited teleconsultations.
SBI Health Insurance Awards and Accolades
- Customer Experience Innovator Company of the Year.
- Best Claim Settlement in Non-Life Category at Insurance Next Awards.
- Asia's Best General Insurance Company for rural presence.
- Ranked Number 1 under General Insurance by YouGov Finance Purchase Rankings.
- Insurer of the Year in Non-Life Category by FICCI Insurance.
- Recognized for CSR Project with Learning Space Foundation.
Choose SBI Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
SBI Health Insurance
All 11 SBI Health Insurance plans
Every plan currently being sold by SBI Health Insurance, shown side-by-side so you can shortlist quickly.
SBI General Health Alpha Plan
The SBI General Health Alpha health insurance plan is highly flexible and can be tailored to your needs. You start with a base of Hospitali…
- Customizable plan with multiple add-ons
- Wide sum insured options (can go high)
- Covers modern treatments & daycare procedures
SBI Super Health Insurance Policy
SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides …
- Tax benefit
- Reinsure benefit
- Health multiplier
- Optional covers
SBI Health Edge Policy
SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance, customizable and available to policyholders based on…
- In-patient hospitalization
- Pre and Post-hospitalization
- Daycare treatments
- Emergency ambulance cover
SBI Group Health Insurance
SBI Group Health Insurance is a comprehensive plan that provides extensive coverage to its customers and their family members. The group he…
- In-patient hospitalization
- Daycare treatments
- Co-payment clause
SBI Arogya Supreme Policy
SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basi…
- Domestic Air Ambulance Cover
- Compassionate Benefit
- Recovery Benefit
SBI Loan Insurance Policy
SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergenci…
- Pays out max 3 EMIs
- Pays outstanding loan
- PTD benefits
SBI Critical Illness Policy
SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses. This policy provides a fixed su…
- 13 critical illnesses
- COVID-19 covered
- Air ambulance services
SBI Arogya Sanjeevani Policy
SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefi…
- In-patient hospitalization
- Pre and post-hospitalization care
- ICU expenses
- Daycare treatment
SBI Arogya Top-Up Policy
SBI Arogya Top-up Policy is a health insurance top-up policy designed to provide additional coverage to policyholders when their standard h…
- In-patient hospitalisation
- Pre & post hospitalisation
- Ambulance cover
SBI Hospital Daily Cash Insurance Plan
Manage Additional Expenses with SBI Hospital Daily Cash Insurance. The SBI Hospital Daily Cash insurance policy helps cover extra expenses …
- Daily cash benefit
- Convalescence benefit
- Multiple plan options
SBI Divyanga Suraksha Policy
The SBI Divyanga Suraksha health insurance plan provides healthcare for people with certified disabilities or pre-existing HIV disease. Thi…
- Pre and post-hospitalization
- Medical treatment
- Daycare procedures
- Cataract cover
Quick comparison
Side-by-side across the 3 most-bought SBI Health Insurance plans on PolicyX.
| Feature | SBI General Health Alpha Plan | SBI Super Health Insurance Policy | SBI Health Edge Policy |
|---|---|---|---|
| Plan type | Individual | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 5 Lakhs, 10 Lakhs, 20 Lakhs, 30… | 3 L, 10 L, 25 L, 80 L, 1 Cr, 2 … | 3 L, 5 L, 7 L, 10 L, 15 L, 20 L… |
| Entry age | 18 years | Min: 91 Days, Max: No Limit | 18 to 65 Years |
| Top benefits | Customizable plan with multiple add-ons · Wide sum insured options (can go high) | Tax benefit · Reinsure benefit | In-patient hospitalization · Pre and Post-hospitalization |
What's covered — and what's not
The standard inclusions and exclusions across SBI Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- SBI Health Insurance helps manage rising medical expenses by covering pre and post-hospitalization expenses related to in-patient hospitalization.
- Most SBI Health Insurance plans include coverage for alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy (AYUSH treatments).
- SBI health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other related costs.
- Many SBI health insurance plans are designed to cover daycare procedures that do not require 24-hour hospitalization.
- Upon a doctor’s recommendation, policyholders can avail medical care at home. SBI health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- SBI health policies do not cover injuries or hospitalization resulting from self-harm.
- SBI Health Insurance plans do not cover cosmetic surgeries or treatments.
- SBI Health Insurance plans do not cover hospitalizations or accidents resulting from adventure sports.
- SBI Health Insurance plans generally do not cover treatments for obesity and weight management, such as bariatric surgeries.
- SBI health insurance plans do not cover individuals or families for hospitalization or injuries resulting from unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form (original).
- Valid photo-ID proof.
- Medical practitioner's referral letter and prescription.
- Original bills, receipts, and discharge cards from the hospital or medical practitioner.
- Original bills from pharmacy/chemists.
- Original pathological/diagnostic test reports, radiology reports, and payment receipts.
- Indoor case papers.
- First Information Report (FIR) and final police report, if applicable.
- Post-mortem report, if conducted.
- Any other document as required by the company to assess the claim.
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In SBI Health Insurance Plans?
Initial Waiting Period
This period begins from the date of policy purchase and typically lasts up to 30 days for most SBI Health Insurance plans.
Pre-existing Disease Waiting Period
As per IRDAI guidelines, pre-existing diseases are conditions diagnosed within one month before purchasing a health insurance plan. Common examples include diabetes, thyroid disorders, and hypertension, for which a waiting period may apply. This waiting period, however, does not apply to group insurance policies.
Mental Illness Waiting Period
Many policies now cover mental illness, but claims can typically be availed after a specific waiting period, usually ranging from 1 to 4 years.
Maternity Waiting Period
Maternity benefits generally become active after a waiting period of 1 to 4 years from the policy purchase date. The exact duration depends on the specific policy, so it's advisable to plan accordingly.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
To purchase SBI Health Insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page and enter your details, such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare SBI Health Insurance Plans as per your needs.
- Step 3
Select your preferred SBI health insurance plan and pay the premiums online.
- Step 4
Our team of insurance experts at PolicyX will provide assistance with claims and other queries after you purchase your SBI Health Insurance plan.
You can file for both cashless and reimbursement claims for your SBI Health Insurance Plans by following these easy steps:
- Step 1
Visit the SBI Health Insurance website and select the "Claim" option. Then click on "Claim Intimation" to access the form.
- Step 2
Select "health claim" and provide the required information, such as policy number, date of birth, and other requested details.
- Step 3
Select the "claim type" (cashless or reimbursement). Click to authorize, and you will receive an OTP on your verified number.
- Step 4
Verify with the OTP, then fill in the required hospital admission information. Select the hospital, and if it's a non-network hospital, provide its details.
- Step 5
Upload the requested documents and click on the "review" button.
- Step 6
After reviewing, submit the intimation for the company to process. You will receive a claim intimation number, which you should note down for future reference.
Follow these steps to renew your SBI Health Insurance policy:
- Step 1
Visit the official website of SBI Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Enter your Policy Number and Date of Birth.
For assistance with SBI health insurance policy renewal, connect with our insurance experts at 1800-4200-269.
To port your existing health insurance policy to SBI Health Insurance, follow these steps:
- Step 1
Fill out the portability form and submit the application to SBI Health Insurance Company at least 45 days before your existing health plan's renewal date.
- Step 2
As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history with your previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company must communicate its decision (approval or rejection) within 15 days.
To compare and calculate premiums for SBI health policies using the PolicyX premium calculator, follow these simple steps:
- Step 1
Visit the official website of PolicyX.
- Step 2
Fill in details such as name, number of family members to be covered, city, and other relevant information.
- Step 3
Click on 'Get Quotes'.
For inquiries regarding SBI health insurance policy premiums, connect with PolicyX health insurance experts at 1800-4200-269.
Frequently asked questions
The 11 most-asked questions about SBI Health Insurance, answered.
The company will settle all admissible claims within 30 days of receipt of the final survey report.
No, SBI health insurance does not provide reward points for staying healthy.
Yes, policyholders are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
Co-payment is the amount that the policyholder has to pay for the medical service covered under the health insurance plan. SBI health insurance plans co-pay clause based on the geographical region of the hospitalization (between 20-30%). In addition, if you are admitted to a non-network hospital, you will be required to pay a 10% copayment.
SBI medical insurance offers a 15 day free-look period to the policyholders in which you can cancel your policy free of cost.
You can pay the premium of the SBI health insurance plans online or by visiting your nearest SBI health insurance branch. The policyholder can make an online payment using the following payment modes: Credit card Debit card Net banking UPI
SBI mediclaim policy comes with a policy term of up to 3 years.
The minimum age for buying individual health insurance policies from SBI General is 18 years, and the maximum is 65 years, although children as young as 3 months can be covered under health insurance policies if both parents are enrolled under the same plan.
Renewal premium has to be paid with the understanding that no new information has become available concerning the first policy filings. In case the insured has contracted an illness during the last 12 months, the same has to be notified to the insurer as new illnesses may require payment of an extra premium.
SBI family health insurance plans include hospitalization expenses, pre and post hospitalization coverage, OPD and day care, maternity costs, ambulance charges, AYUSH, and medical health care.
Yes, SBI health insurance plans are available online.
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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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