Family Health Insurance Policy

Protect Your Loved Ones
With A Comprehensive
Family Health Insurance Policy

  • 6000+ Network Hospitals
  • 24,700 SBI Branches
  • 24/7 Customer Helpline
  • ₹ 15000 Cr General Insurance Claims Handled
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Why Family Health Insurance Policy?

Your family means the world to you, and we understand that. In the event of an illness or accident, you would want your loved ones to get access to the best medical treatment without any hassle. A family health insurance plan can truly prove to be your best friend in such a situation. Family health insurance helps bring all your loved ones under the protective shelter of health insurance through a single plan. This way, you can conveniently secure those you care about against the heavy costs of medical treatment.

SBI General Insurance offers a range of family medical insurance plans with holistic coverage for your loved ones. These health policies cover hospitalisation expenses, pre-and-post-hospitalisation expenses, ambulance charges, AYUSH, and more. With a family health policy from SBI General Insurance, you can now focus on caring for your loved ones while we take on the responsibility of shouldering the medical expenses.

Family Health Insurance Plans from SBI General

Here are some of our family health insurance policies for you to choose from.

Benefits of Buying Family Health Insurance

There are many benefits to buying a family health insurance policy.

Protects Your Hard-Earned Savings

While medical treatments have advanced, the costs for these have skyrocketed. A single illness can burn a hole in your pocket and disturb your finances. With a family medical insurance plan, you can ensure that you have enough finances to give your loved ones the best treatment for speedy recovery.

Affordable Option

Buying separate health insurance policies for each family member can be quite expensive. Instead, it’s much cheaper to pay one health insurance premium for all your family members. With a family floater plan, you can get all your family members covered by paying one single premium.

Easy Renewability

In the midst of everything else that you manage, renewing individual health insurance plans for each family member can get stressful. You may even forget to renew the policies, and consequently the coverage may lapse. With a family health insurance policy, you just need to renew one plan every year for peace of mind.

Tax Benefits

Your family medical insurance plan too comes with tax benefits under prevailing tax laws. You can claim these benefits for the premiums that you pay for yourself as well as your spouse, dependent children, and parents.

What is included?

A family health insurance plan offers holistic protection for your loved ones under a single umbrella. Here is a quick look at the coverage that you can expect.

  • Hospitalisation Expenses
  • Pre- and-Post-Hospitalisation Coverage
  • OPD and Day Care
  • Maternity Costs
  • Ambulance Charges
  • Mental Health Care

What is excluded?

There are certain exclusions to coverage in your family health policy that you need to be aware of.

  • Treatment outside the geographical limits of the policy, i.e., India
  • Disease or injuries that result from nuclear activity and war or war-like situations
  • Infertility or sterility
  • Admission for plastic or cosmetic surgery
  • Situations involving a breach of law
  • Hospital admission that is solely done for evaluation, rehabilitation and/or investigation
Why to buy Family Health Insurance Plans from SBIG?

Why Choose SBI General Insurance?

SBI General Insurance is one of the most trusted general insurers of the country.

Our family health insurance plans come with many benefits such as affordable premiums, extensive coverage, and multi-year tenures. Plus, we have a wide network of over 6000 cashless hospitals, so you can be sure of finding a hospital of choice in your area of residence. At SBI General Insurance, we believe in being there for you every step of the way. From helping you select the right family insurance plan to assisting you with the claims process, our proactive customer support team will always have your back.

When you choose SBI General Insurance as your insurance provider, you choose an insurer who truly cares. We believe in offering simple general insurance solutions to help keep you safeguarded against the complexities of life. Most importantly, we want to offer you coverage that is affordable, so that you never have to think twice before getting the protection you need to secure yourself and those you care about.

Things to Keep in Mind When Buying Family Health Insurance

If you are buying a family health insurance policy for the first time, here are a few things to keep in mind:


Sum Insured

Since a single health insurance policy will cover all your loved ones, you need to be careful when selecting the sum insured. Make sure that you settle for an adequate sum insured so that it suffices if two or more family members fall ill within the same policy year.

Why Buy Family Health Insurance Online?

While you can always visit any of our branches and get your coverage in person, we encourage you to buy family health insurance plans online to enjoy the following benefits:

Claim process with SBI General Insurance

SBI General Insurance makes it easy for you to raise claims. Simply follow these steps to get covered for medical expenses incurred.


Get in touch

As soon as you face the need for medical treatment, reach out to us so we can guide you through the claims process. You can get in touch with us on our toll-free helpline at 1800 210 3366 / 1800 210 6366 . We also welcome emails on

You may also speak to the TPA (third party administrator) at the hospital of admission.


Wait for a support staff

After you reach out to us, a support staff will be assigned to contact you with the next steps that you need to follow. You can explain your specific situation to them and note down the procedure to be followed and documents required.


Collect documents

This is one of the most crucial parts of raising a general insurance claim. Make sure to collect all the paperwork as informed to you by our staff. The documentation might b


Claim settlement

Once you have completed all formalities and paperwork from your side, we will review your case and settle relevant claims in a period of 30 days from the final survey report.


Under a standard family medical insurance plan, you can cover self, spouse, dependent children, own parents, and parents-in-law.

Yes, you can buy a family health insurance plan with a tenure of up to three years. Longer tenures save you from the hassles of yearly renewal and can prove to be more convenient.

Yes, your family medical insurance plan will have a couple of waiting periods. You have to wait for an initial period of 30 days from the date you buy coverage before filing any claims. This initial waiting period excludes accidents. There is an additional waiting period of 48 months for the coverage of pre-existing diseases, provided you mention these at the time of purchase of the policy. Finally, you may also have an additional waiting period that range from 3 months/ 1 year/ 2 year for specific illnesses mentioned in the policy wordings.

No, the person cannot avail benefit under both the policies concurrently. The insured has the choice of claiming under any one of the policies. In case the amount claimed exceeds the limit under one policy, the overflow can be claimed under the second policy.

SBI General Insurance offers you a 30-day grace period to renew your coverage after the expiry date. If you miss out on this grace period, you need to apply for a new family health insurance policy.

The age criteria when buying coverage are 90 days for children, 18 years for adults, and up to 65 years for senior citizens.

As long as all members have started coverage within the stipulated age limits, they enjoy lifetime renewability.

Yes, genetic disorders are included for coverage up to the limits specific in the policy wordings.

Your family health insurance plan will only cover dental treatments that have been deemed necessary due to accidental bodily injury sustained by the policyholder’s natural teeth that requires hospitalisation.

The premium that you pay for your family health insurance plan is influenced by various factors such as the age of the eldest members covered, the type of plan selected, the sum insured chosen, and whether any riders have been added to coverage. For instance, a higher sum insured automatically leads to you paying a higher premium. Also, including more number of senior family members in the family health insurance plan can lead to a higher premium.

The No Claims Bonus is a benefit that you receive for each year during which you don’t make claims on your family health insurance policy. You receive a cartage percentage of sum insured at no extra cost. This percentage keeps increasing for each claim-free year.

Yes, you can raise cashless claims for all family members who have been included for coverage. Simply reach out to the TPA at the network hospitals to know more about how to file your claim.

Generally, a medical test is not required for policyholders up to the age of 45 years, provided that they don’t have any existing health issues.

Alternatively, you may meet us in person at one of our branches near you. Our office timings are 9:30 AM to 5:30 PM (Monday to Friday)

Arogya Supreme Policy - UIN: SBIHLIP21043V012122

Arogya Sanjeevani Policy, SBI General Insurance Company Limited - UIN: SBIHLIP20180V011920

Arogya Top-Up Policy - UIN: SBIHLIP22137V032122

Arogya Plus Policy - UIN: SBIHLIP22135V032122

Disclaimer: The coverages/benefits and the extent of coverage may vary between plans. Please read the policy wordings carefully before making a purchase.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Tax benefits are subject to changes in tax laws.