SBI Health insurance is a part of the SBI General Insurance Company and is known for its most promising healthcare insurance product range. The health insurance plans offered by SBI are so designed to cover individuals and families alike against numerous expenses caused due to diseases and any other health emergencies. Further, the SBI health plans are easily affordable and so anyone can buy and access them. SBI being a trustworthy name in India is well accepted by people for their innovative insurance solutions.
The policyholders of SBI health insurance plans can have comprehensive coverage in case of hospitalization along with having coverage for in-patient cost of hospitalization, pre, post cost of hospitalization, day-care procedure coverage etc. The various health plans offered by SBI health insurance include: individual plans, corporate health insurance plans, corporate group plans and SBI health insurance for senior citizens.
The SBI General Insurance Company was established in 2010 as a joint venture between SBI and an Australian company named Insurance Australia Group (IAG). In 2020, after the sale of the IAG stake, the SBI general insurance collaborated with companies like Honey Wheat investment limited, Napean opportunities LLP, Axis New Opportunities AIF-I and PI Opportunities Fund-1.
Claim settlement ratio 93.5%
NCB* 15%, up to 100%*
PED Waiting# 48 months
Network Hospital 6000+
Paybima's Right Advisor = Expert Solutions
|SBI General Health Insurance Plan||Plan Type||Entry Age|
|Arogya Plus||Plan Type : Base Product||Entry Age : Minimum – 3 months, maximum – 65 years|
|Arogya Supreme||Plan Type : Base Product||Entry Age : minimum – 18 years for adults, 91 days for children, maximum – 65 years for adults, 25 years for children|
|Network Hospitals Available||6000+|
|Waiting Period (Pre-existing Ailments)||4 years|
|Claims Settlement Ratio||66.08%|
|Claims handled||Rs. 110 billion|
* Year Data March 2019-20
Here are some of the benefits of SBI General health insurance:
Below are some of the health insurance plans offered by SBI General Health Insurance:
Let us see the top SBI General Health Insurance Plans in detail:
Below are the steps to follow to buy SBI life health insurance:
Further, you can also call at the toll free number of the company and seek guidance from a customer service representative. They will ask you for your personal details and will offer quotes based on your details. You can check the quotes and select a policy as per your requirement. Also, purchasing a SBI policy can be done through offline mode by visiting a branch of the insurer.
Follow the below steps to renew SBI health policy:
Below are the steps to follow file a cashless claim:
Follow the following steps to file a reimbursement claim:
The ratio of claims that are settled by an insurer during a policy year as against the complete claims that the insurer receives during the year is called Claim Settlement Ratio.
The claim settlement ratio of SBI General Health insurance for the financial year 2018-19 was 59.42%, while it was 78.67% for the FY 2019-20.
|Financial Year||Claim Settlement Ratio|
* The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.
# Ailments diagnosed within 48 months before policy issuance date or any medical treatment received within 48 months before the issue date of policy