SBI Health Insurance

1. SBI Arogya Supreme Policy 
2. SBI Super Health Insurance Policy
3. SBI Arogya Plus Policy
4. SBI Arogya Premier Policy
5. SBI Arogya Top Up Policy
6. SBI Retail Health Insurance Policy
7. SBI Retail Health Insurance Policy
8. SBI Loan Insurance Policy
9. SBI Critical Illness Insurance Policy
10. SBI Arogya Shield Policy
11. SBI Kutumb Swasthya Bima Retail

SBI Arogya Supreme Policy

The SBI Arogya Supreme policy is an all-encompassing health insurance plan which is supposed to provide cover for an extensive range of medical conditions and procedures. The policy offers a flexible sum insured ranging from Rs. 1 lakh to Rs. 5 crore and is available in three distinct variants: Pro, Plus, and Premium. 

Features & Benefits:

The following are the features and benefits of SBI Arogya Supreme Policy Plan:

1. Comprehensive coverage for in-patient hospitalisation, domiciliary hospitalisation, and advanced medical procedures.
2. Special provisions for mental illness or psychiatric illness, HIV, and bariatric surgery coverage.

1. Inclusion of internal congenital anomalies, genetic disorders, and cataract surgery within the policy coverage.
2. Additional benefits include recovery benefits, compassionate visits, and domestic emergency assistance services.
3. Coverage for daycare procedures, alternative treatments, organ donor expenses, and e-opinion consultations.
4. Added advantages such as sum insured refill benefit, cumulative bonus, and annual health check-ups.
5. Comprehensive coverage for road ambulance services and pre-post hospitalisation expenses.

1. Optional benefits like major illness coverage, additional sum insured for accidental hospitalisation, and hospital cash benefits are available.
2. Enhanced options include cumulative bonus enhancement, a No Claim Bonus (NCB) protector, and the ability to upgrade to a higher room category.

SBI Super Health Insurance Policy

The SBI Super Health Insurance policy is a distinctive and comprehensive health plan that caters to the diverse medical needs of its policyholders, offering the ultimate protection. It provides coverage with a sum insured ranging from Rs. 3 lakh to Rs. 2 crore and is available in four distinctive variants: Elite, Premier, Platinum, and Platinum Infinite.

Features and Benefits:

The following are the features and benefits of SBI Super Health Insurance Policy:

1. Comprehensive coverage for in-patient hospitalisation, pre-post hospitalisation, and domiciliary hospitalisation.
2. Special provisions such as OPD coverage, global coverage, bariatric surgery coverage, and home health care coverage.
3. Inclusion of maternity expenses, covering newborn baby expenses and child vaccination.
4. Exclusive benefits like reinsurance benefits, health multiplier, claims shield, and loyalty credit benefits.
5. Coverage for daycare treatments, AYUSH treatments, road ambulance services, and air ambulance services.

1. Additional advantages include annual health check-ups, enhanced cumulative bonuses, shared accommodation cash benefits, and recovery benefits.
2. Wellness benefits such as unlimited gym memberships and walk-healthy benefits.
3. Optional coverage options include enhanced reinsurance benefits, enhanced cumulative bonus safeguards, additional basic sum insured, and domestic help indemnity.
   

SBI Arogya Plus Policy

The SBI Arogya Plus policy, offered by SBI General Insurance Company, is a comprehensive health insurance plan designed to address the increasing costs of Outpatient Care (OPD) and hospitalisation while reducing the policyholder's out-of-pocket expenses. This policy is available with sum insured options of Rs. 1 lakh, Rs. 2 lakh, and Rs. 3 lakh.

Features and Benefits:

1. Coverage for in-patient hospitalisation, OPD treatment, and alternative treatments.
2. Special provisions for HIV or AIDS coverage, mental illness coverage, and advanced medical treatment coverage.
3. Inclusion of maternity expenses, internal congenital diseases, and genetic disorders.
4. There are no mandatory pre-policy medical tests for individuals aged 55 years or below.

1. Comprehensive coverage for pre-hospitalisation expenses (60 days) and post-hospitalisation expenses (90 days).
2. Coverage for daycare procedures, domiciliary hospitalisation, and ambulance expenses.
3. No co-pay or deductible requirements, ensuring straightforward coverage for policyholders.

SBI Arogya Premier Policy

The SBI Arogya Premier policy is thoughtfully designed to provide coverage for individuals and families, safeguarding them against both unexpected and planned medical expenses. It offers a flexible sum insured, ranging from Rs. 10 lakh to Rs. 30 lakh.

Features and Benefits: 

Given below are the features and benefits of SBI Arogya Premier Policy: 

1. No mandatory medical tests are required for individuals aged 55 years or below. 
2. Comprehensive coverage, including in-patient hospitalisation expenses and in-patient physiotherapy. 
3. Inclusion of mental illness, HIV or AIDS, and genetic disorders within the coverage.
4. Extensive coverage for pre & post-hospitalisation expenses (90 days).

1. Coverage for maternity expenses and internal congenital diseases.
2. Provision for both road ambulance and air ambulance services.
3. Coverage for daycare expenses, domiciliary hospitalisation, and organ donor expenses.
4. Cumulative bonus of 10% for each claim-free year, accumulating up to 50%.
5. Inclusion of alternative treatments and advanced medical procedures.

1. Health check-up benefits are provided after every four claim-free years.
2. Automatic reinstatement of 100% of the sum insured once in a policy period.
3. No co-pay or deductible requirements.

SBI Arogya Top-Up Policy

The SBI Arogya Top Up policy offers enhanced coverage to both individuals and families, helping them manage substantial hospitalisation and recovery expenses without depleting their savings. This policy includes a mandatory deductible ranging from Rs. 1 lakh to Rs. 10 lakh and offers a sum insured from Rs. 1 lakh to Rs. 50 lakh. 

Features and Benefits:

The following are the features and benefits of SBI Arogya Top Up Policy Plan:

1. There is no requirement for pre-acceptance medical tests for individuals up to the age of 55 years.
2. Comprehensive coverage, encompassing in-patient hospitalisation, ambulance charges, and daycare expenses.
3. Coverage for pre-post hospitalisation and domiciliary hospitalisation.
4. Inclusion of maternity expenses and internal congenital diseases.

1. Provision for mental illness coverage and HIV or AIDS coverage.
2. Comprehensive coverage for alternative treatments, organ donor expenses, and advanced medical treatments.

SBI Retail Health Insurance Policy

The SBI Retail Health Insurance policy provides extensive coverage, ensuring individuals and families have access to top-notch medical treatment. This policy offers a flexible sum insured ranging from Rs. 50,000 to Rs. 5 lakh.

Features and Benefits:

The features and benefits of SBI Retail Health Insurance Policy are given below:

1. No mandatory pre-medical screening is required for individuals up to 45 years of age.
2. Comprehensive coverage for in-patient hospitalisation expenses, including room rent, medication costs, ICU charges, and more.
3. Special provisions for parental care, childcare, and convalescence benefits.
4. Coverage for pre-hospitalisation expenses (30 days) and post-hospitalisation expenses (60 days). 
5. Inclusion of mental illness coverage, HIV or AIDS coverage, internal congenital diseases, and genetic disorders.

1. Coverage for accidental hospitalisation, cataract treatment, and domiciliary hospitalisation.
2. Comprehensive coverage for ambulance expenses, alternative treatments, daycare expenses, and advanced medical treatments.
3. Complimentary medical check-ups are provided after every four claim-free years. 
4. Accumulation of a 5% cumulative bonus for each claim-free year, up to a maximum of 25%.

SBI Hospital Daily Cash Insurance Policy

The SBI Hospital Daily Cash Insurance policy offers a fixed daily benefit during hospitalisation to assist with miscellaneous expenses like travel and food, which are typically not covered by conventional health plans. This policy provides daily benefit amounts of Rs. 500, Rs. 1,000, Rs. 1,500, and Rs. 2,000. 

Features and Benefits:

The following are the features and benefits of SBI Hospital Daily Cash Insurance Policy:

1. Daily allowance provided for each day of hospitalisation due to sickness. 
2. Twice, the daily benefit amount is disbursed for ICU hospitalisation and accidental hospitalisation.
3. Convalescence benefit pays out three times the daily benefit amount after ten days of hospitalisation. 

1. Coverage is available for a maximum of 30 or 60 days within the policy term. 
2. No mandatory pre-acceptance health check-up is required for individuals up to 45 years of age.

SBI Health Loan Protection Insurance

The SBI Loan Insurance is a distinctive health insurance policy specifically crafted to alleviate the financial burden associated with home loan payments in case of critical illness diagnosis, personal accidents, or loss of employment. It offers a range of sum insured options, starting from Rs. 1 lakh up to Rs. 1 crore. 

Features and Benefits:

The features and benefits of SBI Loan Insurance Policy are given below:

1. No compulsory pre-medical check-up is needed for individuals up to the age of 55 years.
2. Provisions for permanent total disability coverage and loss of job coverage.
3. Inclusion of coverage for accidental death.

SBI Critical Illness Insurance Policy

The SBI Critical Illness Insurance policy provides financial protection against 13 major critical illnesses, ensuring that the substantial treatment costs do not deplete your savings. This policy offers a flexible sum insured, ranging from Rs. 3 lakh to Rs. 10 lakh.

Features and Benefits: 

The features and benefits of SBI Critical Illness Insurance Policy are given below: 

1. A lump sum payment is disbursed upon the diagnosis of a covered critical illness. 
2. No mandatory pre-medical screening is necessary for individuals up to 45 years of age.

SBI Arogya Shield Policy

The SBI Arogya Shield policy offers a unique dual protection plan, combining both health insurance and life insurance benefits. It provides life insurance coverage with sums assured ranging from Rs. 5 lakh to Rs. 25 lakh, along with flexible health insurance sum insured options of Rs. 1 lakh, Rs. 2 lakh, and Rs. 3 lakh. 

Features and Benefits:

The following are the features and benefits of the SBI Arogya Shield Policy:

1. Comprehensive coverage for hospitalisation expenses, OPD treatment, and daycare procedures.
2. Inclusion of alternative treatments, pre-post hospitalisation expenses, and ambulance charges.
3. Special provisions for HIV or AIDS coverage, mental illness coverage, and domiciliary hospitalisation.
4. Coverage for maternity expenses, genetic disorders, and internal congenital anomalies.

1. Death benefit included under the life insurance cover. 

SBI Kutumb Swasthya Health Insurance Plan

The SBI Kutumb Swasthya Bima policy offers financial assistance in the event of an illness or accident to the insured. It provides a sum insured of up to Rs. 5 lakh. 

Features and Benefits:

Given below are the features and benefits of SBI Kutumb Swasthya Bima Retail:

1. Hospitalisation benefits and teleconsultation benefits are provided

1. Coverage for permanent total disability and accidental death.
2. Hospital daily cash benefits and conveyance allowance benefits are included.

What is Covered in SBI Health Insurance Plans?

SBI General Health Insurance has lots of health insurance product. These plans come with lots of features and touch each and every domains of health insurance so that the policyholders can get all the benefits provided by the plans. Now, we will have a look at what all are covered in SBI Health Insurance Plans

Exclusions in SBI Health Insurance Plans

The following things are not covered under the SBI Health Insurance Plan:

1. Treatments with alternative medicines such as acupuncture, acupressure, naturopathy, and osteopath are not covered.
2. Treatments related to maternity are also not covered.

1. Coverage associated to congenital diseases are excluded.
2. HIV/ AIDS and other sexually transmitted diseases will not be covered.

Why Choose SBI Health Insurance Plans?

Here are some of the key advantages of opting for SBI health insurance plans:

1. No Pre-policy Medical Tests: Many SBI health insurance plans waive the requirement for pre-policy medical tests for individuals up to the age of 45 years.
2. Coverage for NRI Medical Expenses: SBI Health Insurance for NRIs extends coverage for the medical expenses incurred by non-resident Indians during their visits or stays in India.
3. Round-the-clock Customer Support: SBI General Insurance Company boasts a well-coordinated customer support team that provides timely assistance to policyholders 24/7.
4. Efficient Claims Handling: The claims team at SBI General Insurance Company is well-prepared to offer efficient and prompt assistance for all claim-related matters to policyholders.

1. Tax Benefits: Policyholders can avail of tax-saving benefits on SBI Health insurance premiums under Section 80D of the Income Tax Act, 1961.

SBI Health Insurance Premium Calculation

The premium calculation for SBI health insurance plans is influenced by several key factors. These factors assess the level of risk associated with your health and the potential claims that may be required to address those risks. Let's delve into the factors that impact your SBI health insurance premiums in detail

1. Age: Age is a primary factor considered by insurers when issuing an insurance policy. Older applicants are more susceptible to illnesses, so premiums tend to be more affordable when purchased at a younger age.
2. Medical History: Your medical history plays a crucial part in determining the likelihood and frequency of future claims. If you have pre-existing medical conditions, your premiums are likely to be higher.
3. Smoking Habits: Smoking is a hazardous habit that poses various health risks, including cardiovascular issues and other health problems. Smokers are more susceptible to diseases compared to non-smokers, leading to higher premiums.

1. Profession: Your profession can significantly impact your health insurance premiums. Certain occupations come with inherent health risks, and individuals in such professions may face higher premium costs due to the increased likelihood of health issues.

How to Apply for SBI Health Insurance Policy?

The following are the steps to apply for the SBI Health Insurance Policy:

How to Renew SBI Health Insurance Plans?

The steps to renew SBI Health Insurance plans are as follows: 

1. Visit https://www.sbigeneral.in/policy-renewal.

1. Choose ‘Health Policy’.
2. Click on ‘Continue’ button.
3. You will be redirected to a new page.
4. From the drop down menu under the ‘Policy Type’, select your insurance policy.
5. Next, enter your policy number and click on ‘Get Quote’. 

1. One of the executives from the insurance company will get in touch with your regarding the same.

 SBI Health Insurance Claim Process

The process for initiating a claim under an SBI health insurance plan is as follows:

1. Claim Notification: Contact SBI General Insurance Company to report your accident or illness through a phone call or SMS. Obtain the claim number or reference number.
2. Completion of Pre-authorisation Form: Acquire the pre-authorisation form, complete it, and submit it at the network hospital where you are receiving treatment. 

1. Submission of Required Documents: The hospital will handle the submission of all necessary medical documents to the insurance company or its Third-party Administrator (TPA).
2. Approval Process: The insurer or TPA will assess all submitted documents and make a decision to approve or reject the claim request.
3. Claim Settlement: Following your discharge from the hospital, the insurer will settle the medical bills directly with the network hospital.

Eligibility Requirements for SBI Health Insurance Plans

The minimum age to purchase an SBI health insurance policy is 18 years of age, however if both parents are covered by the same health insurance plan, children as young as three months can also be covered.

Necessary Documents for SBI Health Insurance Application

You need to submit the following documents to file a claim under a SBI health insurance policy:

1. Completed and signed claim form.
2. Valid photo identification card.

1. Know Your Customer (KYC) form.
2. Copy of the SBI health insurance policy.
3. Original hospital discharge summary. 
4. Doctor's prescription for diagnostic tests.
5. Doctor consultation letter, treatment recommendations, and medical references.

1. Original itemised hospital bills and payment receipts.
2. Original pharmacy bills, accompanied by prescriptions.
3. Original receipts for medical expenses.
4. Original medical reports.
5. Original death certificate or post-mortem report (in the case of accidental death). 

Key Benefits of SBI Health Insurance Plans

The following are the benefits of SBI Health Insurance Policy:

Wide Net of Network Hospitals: SBI Health Insurance has tied up with over 20,000 network hospitals throughout India. The company’s goal is to offer top quality and easily accessible healthcare services to its policyholders.

Wide Range of Products and Services: SBI General Health Insurance has wide range of products and services which comprises plans ranging from family, individual, top up, floater, critical illness, hospital daily cash to loan insurance policy.

Huge Operating Network: One of the effective ways to keep customers happy is by providing them easy access to reach without any sort of hurdles. SBI Insurance has huge operating networks across the country. It has 24,700+ branch offices, digital partners, agents banks, and more.

24/7 Customer Support: SBI Health Insurance Policy has strong customer support system. The policyholders can get claim support and resolve their issues and queries associated to their policy at any point.

Additional Covers: SBI General Health Insurance has lots of plans that have additional covers daily hospital ash cover, critical illness cover, global treatment cover, accident care cover, and others. Policyholders can opt for these additional covers by paying extra premium charge.

Tax Savings: SBI Health Insurance plans allows the customer to avail tax savings under Section 80D of The Income Tax Act, 1961.

Plan Variants: Most of the SBI General Health Insurance plans has customizable options and multiple sum insured amounts. This provides the policyholders an option to purchase the insurance policy as per his financial capacity.

Customizable Plans: SBI health insurance plans are customizable which helps individuals to choose base cover as well as value added benefits according to their needs. 

SBI Health Insurance Customer Care Number

Given below are the contact details of SBI General Insurance Company:

1. Phone No. (Weekdays – 8am to 8 pm): 1800 102 1111
2. Health Claims Helpline No (24/7): 1800 210 3366, 1800 210 6366
3. Email Id: customer.care@sbigeneral.in