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Health Insurance
Health insurance is a type of financial protection where the insurance provider covers expected and unexpected medical expenses up to a specified limit.
Healthcare needs can arise unexpectedly, and managing the associated costs requires careful financial planning. Whether it's diagnostic tests, consultations with specialists, or hospital admissions for treatment, the associated medical expenses can add up quickly, affecting your finances. A reliable health insurance product helps safeguard against these costs, ensuring peace of mind when you need it most.
At SBI General Insurance, we go beyond just offering coverage. Our health insurance products are designed around your real needs, backed by a high claim settlement ratio, an extensive network of hospitals and a team committed to being there for you.
What is Health Insurance ?
Health Insurance, or medical insurance, covers expenses related to illnesses or injuries either by reimbursing your medical bills or directly paying the healthcare provider.
A comprehensive health insurance plan can cover the cost of hospitalisation, day-care procedures, medical care at home (domiciliary hospitalisation), ambulance charges, OPD benefit, and more.
Along with coverage against a range of diseases, health insurance offers the added advantage of tax savings. You can claim tax benefits for your health insurance premium under Section 126 of the Income Tax Act, 2025*.
*Tax benefits are subject to change as per prevailing tax laws.Health Insurance Products Offered By SBI General Insurance
SBI General Health Alpha
Super Health Insurance
Arogya Top-Up Policy
SBIG Health Super Top-Up
A comprehensive, flexible health
product with lifelong benefits that is
designed around your unique needs.
A comprehensive health insurance
product with enhanced protection
and built-in wellness rewards.
Enhance your existing health insurance cover with an affordable additional layer of protection.
Supercharge your coverage with a high-value backup plan that activates when your primary cover runs out.
- Endless Sum Insured: One-time lifetime claim with no upper cap on coverage
- Sum Insured can increase up to 10x with cumulative bonus for each claim-free year.
- 5% welcome discount on first-time purchase of policy
- Built-in continuity of coverage for your spouse and newborns.
- Coverage up to 3x on serious illness
- Unlimited reinstatement of sum insured
- Cover for non-payable items such as gloves, syringes and other consumables
- Up to 30% discount on renewal premiums by staying active.
- Sum insured options ranging from ₹1 Lakh to ₹50 Lakh
- No pre-policy medical tests for individuals up to 55 years of age@
- Deductible options: ₹1 lakh to ₹10 lakhs, applicable on per-claim basis
- Coverage for day-care procedures, organ donor expenses, and ambulance charges.
- Choose sum insured options ranging from ₹5 Lakh to ₹4 Crore
- 11 base and 16 optional covers^ offered
- Multiple deductibles, ranging from ₹2 Lakhs to ₹2 Crores, on an aggregate basis
- Allows you to upgrade existing health policy from any provider
*Disclaimer: For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
@For individuals with no medical history.
^Optional Covers are subject to additional premium.
Types Of Health Insurance Plans/ Products In India
Individual Health Insurance
These types of insurance policies provide coverage on an individual sum insured basis. A family can also be covered in an individual plan, with each member having a separate sum insured.
Family Floater Health Insurance
These insurance policies cover the entire family under a single policy; all insured family members share a common sum insured and coverage. If one member makes a claim, the available coverage for the rest of the family changes accordingly.
Critical Illness Insurance
This policy provides financial protection by offering a lump-sum payment upon diagnosis of life-threatening diseases like heart attacks, kidney failure, paralysis, stroke, or cancer.
Group Health Insurance
This policy type provides medical coverage to a defined group, typically members of an association or employees of an organisation under a single contract.
Top-Up Health Insurance Plans
Top-Up Health Insurance product provides additional coverage over and above your existing health insurance policy, offering a higher sum insured once medical expenses exceed the deductible limit. The deductible can be applied on per claim basis or on aggregate basis as per the terms and conditions of the product.
Personal Accident
A personal accident or PA product provides financial protection by covering accidental death, partial disability or total disability and may also include medical expenses due to accidents.
Senior Citizen Health Insurance
Health concerns tend to increase with age. Senior citizen health insurance is a specific product designed to provide coverage for individuals aged 65 years and above.
Hospital Daily Cash
Hospital Daily Cash insurance provides a fixed daily cash allowance during hospitalisation to help meet the incidental expenses.
Mediclaim
This type of health insurance is primarily designed to cover hospitalisation expenses up to a specified limit arising from accidents, illnesses, or surgical procedures either through reimbursement or cashless settlement at network hospitals.
Individual Health Insurance
These types of insurance policies provide coverage on an individual sum insured basis. A family can also be covered in an individual plan, with each member having a separate sum insured.
Family Floater Health Insurance
These insurance policies cover the entire family under a single policy; all insured family members share a common sum insured and coverage. If one member makes a claim, the available coverage for the rest of the family changes accordingly.
Critical Illness Insurance
This policy provides financial protection by offering a lump-sum payment upon diagnosis of life-threatening diseases like heart attacks, kidney failure, paralysis, stroke, or cancer.
Group Health Insurance
This policy type provides medical coverage to a defined group, typically members of an association or employees of an organisation under a single contract.
Top-Up Health Insurance Plans
Top-Up Health Insurance product provides additional coverage over and above your existing health insurance policy, offering a higher sum insured once medical expenses exceed the deductible limit. The deductible can be applied on per claim basis or on aggregate basis as per the terms and conditions of the product.
Personal Accident
A personal accident or PA product provides financial protection by covering accidental death, partial disability or total disability and may also include medical expenses due to accidents.
Senior Citizen Health Insurance
Health concerns tend to increase with age. Senior citizen health insurance is a specific product designed to provide coverage for individuals aged 65 years and above.
Hospital Daily Cash
Hospital Daily Cash insurance provides a fixed daily cash allowance during hospitalisation to help meet the incidental expenses.
Mediclaim
This type of health insurance is primarily designed to cover hospitalisation expenses up to a specified limit arising from accidents, illnesses, or surgical procedures either through reimbursement or cashless settlement at network hospitals.
Key Features Of Medical Insurance
| Features | Details |
|---|---|
| Sum Insured (in ₹) | Up to ₹4 Crore* (Unlimited Sum Insured available with SBI General Health Alpha) |
| Hospital Network | 18,000+ Pan-India Network Hospitals |
| Tax Savings# | Up to ₹1 Lakh under Section 126 of the Income Tax Act, 2025 |
| Renewal Benefit* | Health Check-up, Cumulative Bonus/No Claim Bonus Discount |
| Voluntary Co-Payment | Option Available (available in specific products) |
| Lifelong Renewability | Uninterrupted health insurance coverage, regardless of your age |
(*As per the product terms and conditions)
#Tax benefits are subject to change as per prevailing tax laws
As on April, 2026.
Advantages Of Buying Health Insurance Policy From SBI General Insurance
High Sum Insured
We offer policies with a sum insured of up to ₹4 Crore, with the SBI General Health Alpha even providing Unlimited Sum Insured, to cover high medical costs. The extensive sum insured amount gives you the confidence to seek treatment at your preferred medical facilities, without compromising on treatment or worrying about costs.
Extensive Network of Hospitals
As one of India’s most reputed insurance providers, SBI General Insurance has partnered with some of the most prestigious medical institutions across the country to provide you with cashless hospitalisation benefits. You can avail cashless treatment at over 18,000+ reputed network hospitals and healthcare centres.
24×7 Services
Reaching out to the SBI General Insurance customer care helpline is easier than ever. You can call us on our 24×7 toll-free helpline 1800 102 111 and get prompt assistance. Whether you need to buy a health insurance policy or need assistance with the claim process, we are here to help address all your queries and concerns, around the clock.
Easy Claim Processes
Even if you choose to seek treatment at your preferred non-network hospital, SBI General Insurance has you covered. You can easily raise a claim via our website or the SBI General Insurance Mobile app and submit the requested documents. Policyholders can conveniently make claims offline as well as online.
Cashless Anywhere Facility
SBI General Insurance offers the ‘Cashless Everywhere’ facility, allowing customers to avail cashless treatment even at non-network hospitals. This reduces the need for upfront payments and makes the claim process more convenient, subject to prior intimation and policy terms.
Multiple Treatments Covered
We offer several policies covering multiple treatments. For instance, SBI General Health Alpha offers a one-of-its-kind Gym and Sports Injury cover*, while Super Health offers Home Health Care, wherever applicable. These allow policyholders to pursue their passions with peace of mind. These allow policyholders to pursue their passions with peace of mind.
High Sum Insured
We offer policies with a sum insured of up to ₹4 Crore, with the SBI General Health Alpha even providing Unlimited Sum Insured, to cover high medical costs. The extensive sum insured amount gives you the confidence to seek treatment at your preferred medical facilities, without compromising on treatment or worrying about costs.
Extensive Network of Hospitals
As one of India’s most reputed insurance providers, SBI General Insurance has partnered with some of the most prestigious medical institutions across the country to provide you with cashless hospitalisation benefits. You can avail cashless treatment at over 18,000+ reputed network hospitals and healthcare centres.
24×7 Services
Reaching out to the SBI General Insurance customer care helpline is easier than ever. You can call us on our 24×7 toll-free helpline 1800 102 111 and get prompt assistance. Whether you need to buy a health insurance policy or need assistance with the claim process, we are here to help address all your queries and concerns, around the clock.
Easy Claim Processes
Even if you choose to seek treatment at your preferred non-network hospital, SBI General Insurance has you covered. You can easily raise a claim via our website or the SBI General Insurance Mobile app and submit the requested documents. Policyholders can conveniently make claims offline as well as online.
Cashless Anywhere Facility
SBI General Insurance offers the ‘Cashless Everywhere’ facility, allowing customers to avail cashless treatment even at non-network hospitals. This reduces the need for upfront payments and makes the claim process more convenient, subject to prior intimation and policy terms.
Multiple Treatments Covered
We offer several policies covering multiple treatments. For instance, SBI General Health Alpha offers a one-of-its-kind Gym and Sports Injury cover*, while Super Health offers Home Health Care, wherever applicable. These allow policyholders to pursue their passions with peace of mind. These allow policyholders to pursue their passions with peace of mind.
*OPD Cover for age upto 55, for listed injuries in a policy year ~ As on April 2026.
What's Covered and Not Covered Under Health Insurance?
Hospitalisation Expenses
Hospitalisation expenses include room rent, medical procedures, surgery, ICU and doctor consultation fees.
Pre- and Post-Hospitalisation Costs
These are costs associated with diagnostic tests, doctor consultations and medications occurring before and after hospitalisation.
Day-care Treatments
Day care treatments, which do not need you to be hospitalised overnight, are generally covered under the scope of health insurance.
AYUSH Treatments
Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) treatments conducted by recognised and accredited healthcare facilities are covered by health insurance.
Domiciliary
With domiciliary hospitalisation, you can receive treatment and medical care at your home under specific circumstances.
Road and Air Ambulance Charges
A health insurance policy may cover the road and air ambulance costs during emergencies, up to a certain limit as specified in the policy wordings.
Organ Donor Expenses
Health insurance also covers medical and surgical costs associated with organ harvesting during a transplant necessitated by organ failure, subject to policy terms and conditions.
Preventive Health Check-ups
Health insurance often includes coverage for preventive health check-ups at regular intervals. These help in early detection of health conditions and support overall wellness, subject to policy terms and conditions.
Hospitalisation
Expenses
Hospitalisation expenses include room rent, medical procedures, surgery, ICU and doctor consultation fees.
Pre- and Post-Hospitalisation Costs
These are costs associated with diagnostic tests, doctor consultations and medications occurring before and after hospitalisation.
Day-care Treatments
Day care treatments, which do not need you to be hospitalised overnight, are generally covered under the scope of health insurance.
AYUSH Treatments
Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) treatments conducted by recognised and accredited healthcare facilities are covered by health insurance.
Domiciliary
With domiciliary hospitalisation, you can receive treatment and medical care at your home under specific circumstances.
Road and Air Ambulance Charges
A health insurance policy may cover the road and air ambulance costs during emergencies, up to a certain limit as specified in the policy wordings.
Organ Donor Expenses
Health insurance also covers medical and surgical costs associated with organ harvesting during a transplant necessitated by organ failure, subject to policy terms and conditions.
Preventive Health Check-ups
Health insurance often includes coverage for preventive health check-ups at regular intervals. These help in early detection of health conditions and support overall wellness, subject to policy terms and conditions.
*Disclaimer: Coverage details shown are indicative. Please refer to the Product Policy Wordings for complete inclusions, exclusions, terms and conditions before concluding a sale.
How To Choose The Right Health Insurance Plan?
Consider the Age
Your age can be an important factor affecting your health. As one ages, they tend to be relatively more susceptible to a range of medical conditions. It’s wise to choose a health insurance plan that best caters to your age-related needs.
Consider the Sum Insured
A health insurance plan with a considerably higher sum insured can help you remain financially secure into the future. This way, when you need to file a claim years later, rising medical costs may not be a financial burden.
Check List of Network Hospitals
Network hospitals are partnered facilities where you can avail cashless treatment, meaning you won't have to pay out of pocket and wait for reimbursement. Before selecting a plan, verify that reputed hospitals in your city or region are part of the insurer's network.
Assess the Coverage Terms
Beyond the basic pre- and post-hospitalisation costs, some health insurance plans offer coverage for maternity, ambulance, home health care or OPD expenses. Choose a plan that best aligns with your requirements.
Check Add-Ons
Add-ons* or riders allow you to customise your health insurance policy to include cover for certain possible medical conditions or coverages that are usually not covered under standard plans.
Assess the Waiting Periods
Health insurance policies come with a fixed waiting period that may last anywhere from 30 days to 3 years. During this time, you cannot raise a claim despite having a health plan.
Consider the Age
Your age can be an important factor affecting your health. As one ages, they tend to be relatively more susceptible to a range of medical conditions. It’s wise to choose a health insurance plan that best caters to your age-related needs.
Consider the Sum Insured
A health insurance plan with a considerably higher sum insured can help you remain financially secure into the future. This way, when you need to file a claim years later, rising medical costs may not be a financial burden.
Check List of Network Hospitals
Network hospitals are partnered facilities where you can avail cashless treatment, meaning you won't have to pay out of pocket and wait for reimbursement. Before selecting a plan, verify that reputed hospitals in your city or region are part of the insurer's network.
Assess the Coverage Terms
Beyond the basic pre- and post-hospitalisation costs, some health insurance plans offer coverage for maternity, ambulance, home health care or OPD expenses. Choose a plan that best aligns with your requirements.
Check Add-Ons
Add-ons* or riders allow you to customise your health insurance policy to include cover for certain possible medical conditions or coverages that are usually not covered under standard plans.
Assess the Waiting Periods
Health insurance policies come with a fixed waiting period that may last anywhere from 30 days to 3 years. During this time, you cannot raise a claim despite having a health plan.
*Add-ons are subject to payment of additional premium.
Buying Health Insurance Plan At An Early Age: Why It Matters
Relatively Lower Premiums
Purchasing health insurance at a younger age typically results in lower premiums, as insurers assess lower health risks. Locking in a policy early may help you maintain cost advantages over time, subject to policy terms and revisions.
Financial Security
Having health insurance ensures financial security against any unforeseen medical expenses at an early stage in your life. It acts as a safety net and prevents the burden of healthcare costs from affecting your financial well-being at a young age.
Better Coverage for Pre-Existing Conditions
Buying health insurance early on allows you to complete waiting periods for pre-existing conditions sooner. This improves access to coverage over time and reduces the likelihood of coverage restrictions later in life.
No Pre-Policy Health Check-Ups
For young adults, pre-policy health check-ups may not be required. This makes the application process quicker and smoother, while also helping you secure coverage without additional requirements or delays.
Long-Term Benefits
Maintaining a policy over the long term can offer continuity benefits such as cumulative bonuses, renewal advantages and uninterrupted coverage across different life stages, as per policy terms.
*Add-ons are subject to payment of additional premium.
What to Consider When Choosing the Ideal Health Insurance Coverage
Your health insurance coverage must be tailored to your needs. Consider these factors.
City of Residence
Medical costs vary across locations. Metro cities tend to have higher hospitalisation expenses compared to non-metro cities. Your coverage should be sufficient to handle medical emergencies in your location.
Age & Lifestyle
Health insurance coverage depends on your age and lifestyle. Basic coverage may be sufficient for younger individuals. However, for individuals with families or dependents, the sum insured may need to be higher. Also, as you grow, your healthcare needs may increase.
Family Size
If you are covering multiple family members, a higher sum insured can be beneficial. Family floater plans share coverage across members, which can get exhausted quickly during multiple claims. Hence, choosing a sufficient sum insured is important.
Existing Health Conditions
Pre-existing conditions or a family history of illnesses may increase your healthcare needs. A higher sum assured ensures you are better prepared for future medical expenses. It also allows you to manage long-term treatments without straining your savings.
City of Residence
Medical costs vary across locations. Metro cities tend to have higher hospitalisation expenses compared to non-metro cities. Your coverage should be sufficient to handle medical emergencies in your location.
Age & Lifestyle
Health insurance coverage depends on your age and lifestyle. Basic coverage may be sufficient for younger individuals. However, for individuals with families or dependents, the sum insured may need to be higher. Also, as you grow, your healthcare needs may increase.
Family Size
If you are covering multiple family members, a higher sum insured can be beneficial. Family floater plans share coverage across members, which can get exhausted quickly during multiple claims. Hence, choosing a sufficient sum insured is important.
Existing Health Conditions
Pre-existing conditions or a family history of illnesses may increase your healthcare needs. A higher sum assured ensures you are better prepared for future medical expenses. It also allows you to manage long-term treatments without straining your savings.
How to Buy a Health Insurance Policy Online?
Select Your Preferred Plan
Visit our website and choose from our range of health insurance plans. Select the one that fits your needs based on coverage, benefits and sum insured and apply.
Provide Basic Details
Input your mobile number, name, PAN and pin code, and click ‘Proceed.’
Customise Your Coverage
Select insured members, choose a plan, select the sum insured, and the needed coverages.
Fill in the Required Information
Input all the details, such as proposer details, e-Insurance Account (EIA), nominee details, etc.
Complete KYC and Pay Premium
Review your premium details and complete KYC by verifying your identity. You can pay online and get your policy right away in your inbox.
Select Your Preferred Plan
Visit our website and choose from our range of health insurance plans. Select the one that fits your needs based on coverage, benefits and sum insured and apply.
Provide Basic Details
Input your mobile number, name, PAN and pin code, and click ‘Proceed.’
Customise Your Coverage
Select insured members, choose a plan, select the sum insured, and the needed coverages.
Fill in the Required Information
Input all the details, such as proposer details, e-Insurance Account (EIA), nominee details, etc.
Complete KYC and Pay Premium
Review your premium details and complete KYC by verifying your identity. You can pay online and get your policy right away in your inbox.
Documents Required While Buying a Medical Insurance Policy
Whether you choose to buy your health insurance policy online or offline, you must submit the requested documents for our records and complete the KYC process.
While online applicants may submit scanned and self-attested copies of their documents, offline applicants must carry photocopies to submit with their application while visiting our branch.
| Document Type | Accepted Documents |
|---|---|
| Application Form | Duly filled health insurance application form |
| Photos | Passport-sized photographs attested |
| Identity Proof (KYC) | PAN, Aadhaar, Passport, Voter’s ID, Driver’s License, Employment ID, any photo-bearing document |
| Age Proof | PAN, Aadhaar, Passport, Voter’s ID, Driver’s License |
| Age Proof for Minors | Birth certificate, School leaving certificate |
| Address Proof (KYC & Communication) | Aadhaar, Passport, Voter’s ID, Driver’s License, Rental/Lease Agreement |
| Medical Documents | Medical reports (for pre-existing illnesses, if applicable) |
Types Of Health Insurance Claims
Reimbursement Claim
A reimbursement claim is when you pay for your medical treatment upfront and later claim the expenses from your insurer. You can use this option if you get treated at a hospital outside the insurer’s network or choose not to opt for a cashless facility. You can seek the necessary treatment and upon being discharged, submit the original bills and documents, and file a reimbursement claim.
Cashless Claim
SBI General Insurance allows you to file cashless claims by seeking hospitalisation at any one of our 18,000+~ network hospitals across India. You simply need to inform us that you want to raise a claim and tell us the name of our network hospital partner where you wish to seek treatment. Our customer service representative will assist you in completing the pre-authorisation request.
~ As on April, 2026.
Ways To Register A Claim With SBI General Insurance
You can raise a health insurance claim with SBI General Insurance in several ways:
Toll-free Number:
1800 210 3366 /
1800 210 6366
Email us:
- sbig.health@sbigeneral.in
- seniorcitizen.health@sbigeneral.in
SMS us at
“HEALTHCLAIM” to 561612
Website
Via our website under the ‘Claims’ section
Mobile App
Via the ‘SBI General Insurance Mobile App’
Toll-free Number:
1800 210 3366 /
1800 210 6366
Email us:
- sbig.health@sbigeneral.in
- seniorcitizen.health@sbigeneral.in
SMS us at
“HEALTHCLAIM” to 561612
Website
Via our website under the ‘Claims’ section
Mobile App
Via the ‘SBI General Insurance Mobile App’
Health Insurance Claim Settlement Process
Visit a Network Hospital
Visit the nearest SBI General Insurance network hospital. Present your SBIG health card at the insurance desk in the network hospital and fill the pre-authorisation form as required.
Submit Pre-Authorisation Request
The network hospital will verify your identity and submit a duly filled pre-authorisation form, along with relevant documents, to SBI General Insurance.
Get Admitted and Receive Treatment
Upon approval, you can get admitted and avail of cashless treatment per your policy coverage.
Complete Claim Settlement
After discharge, the hospital will send your claim documents to SBI General Insurance’s office for settlement of hospitalisation expenses.
Visit a Network Hospital
Visit the nearest SBI General Insurance network hospital. Present your SBIG health card at the insurance desk in the network hospital and fill the pre-authorisation form as required.
Submit Pre-Authorisation Request
The network hospital will verify your identity and submit a duly filled pre-authorisation form, along with relevant documents, to SBI General Insurance.
Get Admitted and Receive Treatment
Upon approval, you can get admitted and avail of cashless treatment per your policy coverage.
Complete Claim Settlement
After discharge, the hospital will send your claim documents to SBI General Insurance’s office for settlement of hospitalisation expenses.
You can raise and track claims through the SBI General Insurance Mobile app. Download the app now for an easy, hassle-free claims experience!
Family Floater or an Individual Health Insurance Plan?
Having trouble deciding between a family floater and an individual health insurance plan?
Documents Required While Filing A Health Insurance Claim
| Document | Details |
|---|---|
| Claim Form | Duly-filled out claim form, comprising all the necessary information such as your name, age, medical diagnosis, course of treatment recommended by the medical practitioner, etc. |
| Discharge Summary | The discharge summary card provided by the hospital comprising details such as the number of days you were hospitalised, recommended post-hospitalisation tests, follow-up visits, etc. |
| Medical Reports | Copies of diagnostic tests recommended, medical reports, blood tests, etc., undertaken during the pre-hospitalisation stage. |
| Bills & Receipts | All original bills, including hospitalisation bills stamped by the medical facility, bills of medical tests undertaken, medicines used during surgical procedures, bills generated by pharmacies during the course of the treatment, etc. |
| Additional Documents | Any other additional documents requested by the SBI General Insurance claim settlement team during the claim verification process. |
How To Save Tax With Your SBI General Health Insurance Policy?
Section 126 of the Income Tax Act, 2025 applies to individual taxpayers and Hindu Undivided Families (HUFs), allowing eligible taxpayers to claim tax deductions for payment of health insurance premiums, health check-up expenses and various other medical costs.
This section replicates the provisions and conditions previously specified in Section 80D of the previous Income Tax Act, 1961. Under this Section, one can claim tax deductions as per the following details:
| Insured | Annual Deduction Amount |
|---|---|
| Yourself, your spouse, and your children (below 60 years of age) | ₹25,000 |
| Yourself, your spouse, your children (below 60 years of age) + your parents (below 60 years of age) | ₹25,000 + ₹25,000 = ₹50,000 |
| Yourself, your spouse, your children (below 60 years of age) + your senior citizen parents | ₹25,000 + ₹50,000 = ₹75,000 |
| Yourself, your spouse, your children (above 60 years of age) + and your parents (above 60 years of age) | ₹50,000 + ₹50,000 = ₹1,00,000 |
*Disclaimer: Tax benefits are subject to prevailing tax laws
Reasons To Buy Your SBI General Health Insurance Policy Online
Convenience
Buying health insurance online with SBI General Insurance is convenient. Simply choose your preferred policy on the SBI General Insurance website or app, fill out the application form, and submit the required documents.
Various Payment Modes
You can pay your insurance premiums through various secure online methods ranging from internet banking to UPI and Debit/Credit Cards to digital wallets.
Quick Estimates
Before buying your policy online, you can instantly generate estimates based on your chosen policies with a health insurance premium calculator.
Expert Assistance
If you need any help during the buying process, our team of experts are ready to offer you insights based on your specific requirements. Use our online chat bot ‘SAKHI’ or call us on our helpline at 1800 102 1111.
Paperless Processes
When applying for health insurance online, there is no need for hefty paperwork. You can simply fill out the online application form and attach soft copies of the KYC documents.
Instant Policy Issuance
Once you shortlist your policy, complete your KYC, and pay the premium, SBI General Insurance mails you your policy to your registered email address for easy access.
Convenience
Buying health insurance online with SBI General Insurance is convenient. Simply choose your preferred policy on the SBI General Insurance website or app, fill out the application form, and submit the required documents.
Various Payment Modes
You can pay your insurance premiums through various secure online methods ranging from internet banking to UPI and Debit/Credit Cards to digital wallets.
Quick Estimates
Before buying your policy online, you can instantly generate estimates based on your chosen policies with a health insurance premium calculator.
Expert Assistance
If you need any help during the buying process, our team of experts are ready to offer you insights based on your specific requirements. Use our online chat bot ‘SAKHI’ or call us on our helpline at 1800 102 1111.
Paperless Processes
When applying for health insurance online, there is no need for hefty paperwork. You can simply fill out the online application form and attach soft copies of the KYC documents.
Instant Policy Issuance
Once you shortlist your policy, complete your KYC, and pay the premium, SBI General Insurance mails you your policy to your registered email address for easy access.
You can also buy and manage your policy on the SBI General Insurance mobile app. Simply download the app and register with your policy details to get anytime access to your policy. Plus, you can renew your insurance plans on-the-go through the app.
Smart Ways To Manage Your Health Insurance Premiums
Review Your Coverage Regularly
Your health insurance needs evolve over time; what worked for you five years ago may no longer be adequate or cost-efficient today. Make it a habit to review your policy at renewal. Check whether your sum insured, coverage terms and add-ons still align with your current life stage, family size, and health conditions.
Opt for Family Floater Policies When Suitable
A family floater policy allows you to cover multiple family members under a single policy with a shared sum insured. Hence, it can be cost-effective compared to buying individual policies for each member.
Choose Add-Ons Carefully
Add-on, or riders, enhance your base policy at the cost of an additional premium. Before opting for any rider, evaluate whether it addresses a genuine need or a likely risk in your specific circumstances. For instance, a maternity rider is relevant for young couples planning a family, while a critical illness rider may be more suitable for those with a family history of severe conditions.
Try to Maintain a Claim- Free Record
If no claims are filed during a policy year, the policyholder is rewarded with a No Claim Bonus (NCB). This benefit typically comes in the form of an increased sum insured or a discount on your renewal premium. Over several claim-free years, the cumulative benefit can be significant.
Choose Voluntary Deductible Strategically
A voluntary deductible is the amount you agree to pay out of pocket before your insurance coverage activates. Opting for a higher deductible generally results in a lower premium. This makes it a useful strategy for individuals who are in good health and unlikely to make frequent claims.
Take Advantage of Wellness Benefits
Many modern health insurance policies come with built-in wellness programmes that reward healthy behaviour. These may include discounts or reward points for completing health check-ups, achieving fitness milestones, or participating in preventive health activities. The Super Health Insurance Policy from SBI General Insurance comes with the Walk Healthy benefit, wherein you can get a discount on renewal premium by achieving health point targets.
*Add-ons are subject to payment of additional premium.
What Is The Difference Between Mediclaim And Health Insurance?
Mediclaim and health insurance are terms that are often used interchangeably. However, they are not the same.
| Factor | Mediclaim | Health Insurance |
|---|---|---|
| Coverage Benefits | Limited to hospitalisation expenses | Comprehensive: includes hospitalisation, OPD, domiciliary, and more |
| Daycare Treatment | Requires a minimum 24-hour hospitalisation | Covers daycare procedures completed in under 24 hours |
| Critical Illness Protection | Generally, not covered | Available via riders or standalone critical illness plans |
| Pre & Post Hospitalisation | Not typically covered | Covered for 30 to 180 days before and after hospitalisation |
| Premium Cost | May be lower due to limited coverage | Relatively higher cost as a result of broader coverage and flexibility |
| Network Hospitals | Access to empanelled hospitals | More diverse network |
Key Health Insurance Add-Ons To Enhance Your Coverage*
Critical Illness Protection
This rider provides a lump sum payout upon the first diagnosis of a listed critical illness, such as cancer, heart attack, stroke, kidney failure or organ transplant. This add-on may be recommended for individuals with a family history of critical illnesses.
Maternity and Newborn Cover
This rider covers expenses related to pregnancy and childbirth and in many cases, the medical expenses of the newborn for a specified period after birth.
Adventure Sports Cover
This add-on, available with the SBI General Health Alpha policy, covers hospitalisation costs if the insured gets injured while participating in adventure sports like trekking, scuba diving, rafting, biking, zip lining, and similar activities during the policy year.
Consumables Cover
If the hospitalisation claim is approved, certain non-medical or consumable expenses may also be covered with this rider, provided they are prescribed, medically necessary, and part of an eligible claim under specified benefits.
Personal Accident Cover
Beyond accidental death and disability, this broader rider covers a range of accident-related expenses, including hospitalisation due to accidents, and permanent and temporary total disability. It provides a comprehensive safety net for individuals in physically demanding occupations.
Critical Illness Protection
This rider provides a lump sum payout upon the first diagnosis of a listed critical illness, such as cancer, heart attack, stroke, kidney failure or organ transplant. This add-on may be recommended for individuals with a family history of critical illnesses.
Maternity and Newborn Cover
This rider covers expenses related to pregnancy and childbirth and in many cases, the medical expenses of the newborn for a specified period after birth.
Adventure Sports Cover
This add-on, available with the SBI General Health Alpha policy, covers hospitalisation costs if the insured gets injured while participating in adventure sports like trekking, scuba diving, rafting, biking, zip lining, and similar activities during the policy year.
Consumables Cover
If the hospitalisation claim is approved, certain non-medical or consumable expenses may also be covered with this rider, provided they are prescribed, medically necessary, and part of an eligible claim under specified benefits.
Personal Accident Cover
Beyond accidental death and disability, this broader rider covers a range of accident-related expenses, including hospitalisation due to accidents, and permanent and temporary total disability. It provides a comprehensive safety net for individuals in physically demanding occupations.
*Add-ons are subject to payment of additional premium.
Get ready for the unexpected
Protect yourself from unforeseen hospital bills.
Eligibility Criteria To Purchase A Medical Insurance Policy In India
| Factor | Eligibility Criteria |
|---|---|
| Nationality | You should be a resident of India. |
| Age | You should be within the age group of 18 to 65 years, or as specified by SBI General Insurance, in accordance with the plan you choose. Dependent children, for whom you are purchasing health insurance coverage, should be in the age group of 91 days to 25 years, in accordance with the plan you choose. |
| Medical Screening | You should be willing to undergo the necessary medical screenings and tests, if your age &/or sum insured exceeds a certain limit. |
| Pre-Existing Diseases | You should be upfront about any pre-existing illnesses or conditions you are diagnosed with, while purchasing the health insurance policy. |
- You should mention any other health-related information truthfully and with complete accuracy to be eligible for medical insurance coverage.
- You should be willing to pay for any medical eventuality faced during the applicable waiting periods associated with the health plans you choose on your own.
How To Pick The Best-Suited Health Insurance Plan?
Review Policy Cover
Assess the coverage offered under the health insurance plan– the inclusions, exclusions, as well as limits and sub-limits on expenses, etc.
Check Waiting Periods
Review waiting periods for pre-existing diseases, specific treatments as well as maternity benefits.
Evaluate Hospital Network
Check if your preferred health care facilities or, at least, the hospitals in your vicinity are within the health insurance provider’s network.
Assess Sum Insured and Future Needs
Plan for the future and choose a policy with a sufficient sum insured amount with no claims bonus benefits to help you beat inflation.
Understand Co-Payment Clauses
Review if your chosen insurance policy has a co-payment clause to know just how much you will need to pay if you file a claim.
Look for Flexibility and Add-ons
Consider choosing a policy that allows you to enhance your coverage benefits through top-up and additional riders.
Review Policy Cover
Assess the coverage offered under the health insurance plan– the inclusions, exclusions, as well as limits and sub-limits on expenses, etc.
Check Waiting Periods
Review waiting periods for pre-existing diseases, specific treatments as well as maternity benefits.
Evaluate Hospital Network
Check if your preferred health care facilities or, at least, the hospitals in your vicinity are within the health insurance provider’s network.
Assess Sum Insured and Future Needs
Plan for the future and choose a policy with a sufficient sum insured amount with no claims bonus benefits to help you beat inflation.
Understand Co-Payment Clauses
Review if your chosen insurance policy has a co-payment clause to know just how much you will need to pay if you file a claim.
Look for Flexibility and Add-ons
Consider choosing a policy that allows you to enhance your coverage benefits through top-up and additional riders.
Steps To Calculate Health Insurance Premiums Online
Visit the Website and Get Started
Select the ‘Buy’ option on our Health Insurance page to access the premium calculator.
Enter Basic Details
Provide preliminary information, such as contact details, date of birth, and policy type.
Choose Coverage Option
Browse across the various options and proceed with a suitable alternative.
View Premium & Proceed
View the premium along with the chosen coverage. In case you wish to proceed further, you can do so by entering KYC details.
Visit the Website and Get Started
Select the ‘Buy’ option on our Health Insurance page to access the premium calculator.
Enter Basic Details
Provide preliminary information, such as contact details, date of birth, and policy type.
Choose Coverage Option
Browse across the various options and proceed with a suitable alternative.
View Premium & Proceed
View the premium along with the chosen coverage. In case you wish to proceed further, you can do so by entering KYC details.
Factors Affecting Health Insurance Premium Rates
Age
Premiums are typically lower when you are younger, as the risk of health issues is generally lower. As age increases, premiums may rise due to higher health risks.
Sum Insured
Your sum insured is a key factor for determining the premiums you pay. For a lower sum insured, you may have to pay lower premiums and vice versa.
Coverage Type
The higher the coverage you opt for, the higher the premium rates charged. Coverage types such as individual and family floater plans also play a determining role in premium rates, as the premiums for each plan vary.
Health Conditions
Pre-existing medical conditions can influence premium rates, as they may increase the likelihood of claims.
Lifestyle Choices
Habits such as smoking or alcohol consumption may lead to higher premiums, as they are associated with increased health risks.
Geographical Location
Premiums may vary based on your location, as healthcare costs differ between cities and regions.
Age
Premiums are typically lower when you are younger, as the risk of health issues is generally lower. As age increases, premiums may rise due to higher health risks.
Sum Insured
Your sum insured is a key factor for determining the premiums you pay. For a lower sum insured, you may have to pay lower premiums and vice versa.
Coverage Type
The higher the coverage you opt for, the higher the premium rates charged. Coverage types such as individual and family floater plans also play a determining role in premium rates, as the premiums for each plan vary.
Health Conditions
Pre-existing medical conditions can influence premium rates, as they may increase the likelihood of claims.
Lifestyle Choices
Habits such as smoking or alcohol consumption may lead to higher premiums, as they are associated with increased health risks.
Geographical Location
Premiums may vary based on your location, as healthcare costs differ between cities and regions.
Important Health Insurance Terms You Should Know
Insurer
The insurance company that provides the health insurance policy and is responsible for settling claims as per the policy terms.
Insured
The individual(s) covered under the health insurance policy who are eligible to receive benefits in case of a medical need.
Sum Insured
The maximum amount your insurer is liable to pay when you file an insurance claim in a given policy year.
Indemnity
A type of health insurance where the insurer compensates you for actual medical expenses incurred, up to the sum insured.
IRDAI
Short for Insurance Regulatory and Development Authority of India, this is the primary body or regulator in India responsible for framing all insurance-specific rules and guidelines.
AYUSH Treatments
Non-allopathic or alternative medical treatment methods such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy, which are eligible for coverage under IRDAI’s health insurance coverage guidelines.
Add-On/ Riders
Additional covers that you can purchase separately with your base health insurance plan. These riders enhance your coverage and usually cover specific expenses.
Co-Payment
A facility that enables you to reduce your insurance premiums but requires you to pay a certain, fixed percentage of your medical expenses if you are hospitalised and need to file a claim.
Deductible
Fixed amount you pay towards your medical treatment expenses before your insurer covers the remaining costs.
Day-Care Procedure
Any covered medical procedure for which you need to stay in the hospital for less than 24 hours, or one that does not require overnight hospitalisation, such as dialysis or chemotherapy treatment.
Waiting Period
The duration for which certain illnesses or conditions are not covered after purchasing the policy.
Pre-Existing Disease (PED)
Any illness or medical condition that existed before buying the policy, typically covered after a specified waiting period.
Sub-Limits
Caps placed on specific expenses (e.g., room rent, specific treatments) within the overall sum insured.
Portability
Allows you to switch your existing health insurance from one insurance provider to another, with the accrued benefits being retained.
Common Mistakes To Avoid While Buying Health Insurance
Prioritising Low Premiums Over Coverage
Inadequate coverage for critical illnesses, daycare treatments, or post-hospitalisation care can leave you facing significant out-of-pocket expenses. Always evaluate what a plan covers before considering what it costs.
Not Exploring Your Options Thoroughly
Take the time to explore the full range of plans, features and coverage options available to you. SBI General Insurance offers a comprehensive suite of health insurance products designed to suit individuals as well as families.
Selecting a Sum Insured That's Too Low
Many individuals underestimate the true cost of medical treatment, particularly for serious conditions or surgical procedures. Given the pace of medical inflation, a sum insured that feels adequate today may fall significantly short in the years ahead. Our policies offer flexible sum insured options to ensure you're protected now and well into the future.
Delaying Your Health Insurance Purchase
Health insurance is most affordable and easiest to obtain when you are young and in good health. The longer you wait, the higher your premiums-and conditions that develop in the interim may no longer be covered. Most policies also carry waiting periods for pre-existing conditions, so starting early means these are completed sooner. There's no better time to secure your health coverage than today.
Failing to Disclose Pre-Existing Conditions
It can be tempting to withhold information about pre-existing conditions in hopes of securing a lower premium. However, this can have serious consequences including claim rejection or policy cancellation at the most critical moment. At SBI General Insurance, we encourage complete transparency during the application process. Accurate disclosure ensures your policy is valid, enforceable, and truly protective when you need it.
Ignoring Policy Waiting Periods
Waiting periods are a standard feature of most health insurance policies, ranging from 30 days for general illnesses to up to 3 years for certain pre-existing conditions. Many buyers only discover these clauses during difficult times.
Not Reading the Policy Document Thoroughly
Sub-limits, co-payment clauses and disease-specific exclusions are details that matter enormously at the time of a claim. Skipping the fine print can lead to unwelcome surprises. We encourage every policyholder to read their policy document carefully and reach out to our customer care team in case of any questions.
Relying Solely on Employer -Provided Insurance
Group health insurance policies provided by employers are a useful starting point, but they often offer limited coverage and lapse the moment you change jobs or retire. Supplementing your employer cover with a personal plan from SBI General Health Insurance ensures you and your family remain protected regardless of your employment status, with coverage that is truly yours to keep.
Ignoring the Co-Payment Clause
Plans with co-payment clauses require you to bear a fixed percentage of every claim, which can add up significantly during major medical events. While such plans may carry lower premiums, it's important to understand the true cost of coverage before committing. Our plans are designed with clear and straightforward terms.
Choosing the Wrong Policy Type
Individual plans, family floater plans, senior citizen plans and critical illness covers all serve distinct purposes. Selecting the wrong type can leave gaps in your protection at critical moments. Review your coverage needs and choose a suitable plan after thorough research.
Reviews & Ratings
I visited SBI general to buy an affordable health insurance policy for my parents and we did find several good plans within my budget. paid the premium amount online and received the policy on the same day.
Rishabh Singh
Health Insurance
The team discussed the health needs of my family patiently and suggested a suitable plan for myself within my budget. I bought the policy easily without facing any hassles offered insurance plans for the best prices that were lower than most websites.
Himanshu
Car Insurance
I underwent Cataract Surgery for my left eye on 14th Aug. 2020.Since we had SBI General Insurance, my husband filled the form for reimbursement. I had wonderful experience of lodging claim as well updating drivers name and licence numbers.
Sulabha Ravikiran
Health Insurance
FAQs About Health Insurance Policy
A waiting period is a period after policy start during which certain claims cannot be made. Most plans have a 30-day initial waiting period for general illnesses, with longer periods for specific conditions (1 to 2 years) and pre-existing diseases (2 to 3 years). Accidental hospitalisation is usually covered from day one. Your policy document will outline the exact waiting periods applicable to your plan.
Yes, you can. You can hold multiple policies and claim across both if your expenses exceed the sum insured of one plan. You must disclose all existing policies at purchase and inform both insurers when filing a claim.
Note that employer-provided cover can be a good starting point, but it typically offers a limited sum insured, no customisation, and it lapses the moment you leave or change jobs. A personal SBI General Insurance plan stays with you regardless of your employment status, giving you continuous protection that is truly yours.
As early as possible. Younger, healthier applicants pay lower premiums, face fewer underwriting complications, and begin serving waiting periods sooner. Waiting until a health condition develops can mean higher premiums or coverage exclusions. If you haven't already, today is the right time to buy health insurance.
Whether or not ₹15 Lakh sum insured is enough depends on your age, city, family size and healthcare costs.
A top-up health insurance policy is an additional layer of coverage that kicks in once your primary health insurance's sum insured is exhausted. Typically, you need to buy a top-up policy over and above your existing health insurance plan.