Health Insurance
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Customers Served
18,324
Network Hospitals
140+
Locations
Health Insurance Policy
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, also called as medical insurance caters to expenses related to illnesses or injuries by either reimbursing your bills or directly paying the medical care provider. A comprehensive health insurance covers the cost of hospitalisation, day-care procedures, medical care at home (domiciliary hospitalisation), ambulance charges, maternity cover, OPD benefit, and more.
Having a health insurance plan ensures coverage against a range of diseases and offers the added advantage of enhancing 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 Plans Offered By SBI General
SBI General Health Alpha
A comprehensive, flexible health product with lifelong benefits that is designed around your unique needs.
- 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.
Super Health Insurance
A comprehensive health insurance product with enhanced protection and built-in wellness rewards.
- 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.
Arogya Top-Up Policy
Enhance your existing health insurance cover with an affordable additional layer of protection.
- 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.
SBIG Health Super Top-Up
Supercharge your coverage with a high-value backup plan that activates when your primary cover runs out.
- 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
Types of Health Insurance Plans/Products in India
Key Features of Medical Insurance
| SBI General Key Features | Benefits |
|---|---|
| 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 |
| Coverage | Hospitalisation Expenses, Day Care Treatments, Home Treatments, AYUSH Treatment, Organ Donor Expenses, and more |
| 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)
What’s Covered Under The Health Insurance Policy?
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
Treatments besides Allopathic treatments, i.e., Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) treatments conducted by recognised and accredited healthcare facilities are covered by health insurance.
Domiciliary Hospitalisation
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
Provides financial protection by covering 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, even if no illness is diagnosed. These check-ups help in early detection of health conditions and support overall wellness, subject to policy terms and conditions.
What’s Not Covered Under The Health Insurance Policy?
Self-inflicted Injuries
Treatment for self-inflicted injuries, including those sustained as a result of attempted suicide are not covered under the scope of coverage under health insurance policies.
Cosmetic Surgeries
You cannot file an insurance claim for cosmetic treatment or plastic surgery unless it is deemed necessary following accidents, burns or cancer treatments.
Substance Abuse
The costs associated with treatments resulting from substance abuse, including drugs and alcohol, are not covered by medical insurance.
War-Related Injuries
Injuries and treatment costs associated with wars and war-like events as well as other acts of communal disharmony, which affect all masses, are not covered under medical insurance.
Breach of Law
Treatments arising due to a breach of policy terms, like consuming drugs, driving while intoxicated and sustaining injuries, etc., are outside the scope of health insurance coverage.
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How To Choose A Health Insurance Plan?
Consider the Age
Your age can be an important factor affecting your health. As you age, you 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.
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.
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.
It’s time to consider purchasing a health insurance plan! Tailor your Plan as per your Need!
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Types Of Health Insurance Claims
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.
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.
How to File Your Medical Insurance Claim
Visit a Network Hospital
Submit Pre-Authorisation Request
Get Admitted and Receive Treatment
Complete Claim Settlement
Pay Bills & Collect Documents
Fill out the Claim Submission Form
Submit Documents to Insurer
Receive Claim Settlement
Having trouble deciding between a Floater and Individual Health Insurance plan?
Let’s Break It Down! 
Documents Required While Filing A Health Insurance Claim
- 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 Buy Health Insurance Plan Online?
Input your mobile number, name, and pin code, and click ‘Proceed.’
1
Select insured members, choose a plan, select the sum insured, and needed coverages.
2
Input all the details, such as proposer details,EIA, nominee details, etc.
3
You can pay online and get your policy right away in your inbox.
4
Check out 8 helpful Tips to help you in choosing the Right Health Insurance!
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How To Save Tax With Your SBI General Health Insurance Policy?
This section replicates the provisions and conditions previously specified in Section 80D of the previous Income Tax Act, 1961.
| Beneficiaries of SBI General Insurance | 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 |
Reasons to Buy Your SBI General Health Insurance Policy Online
Convenience
Buying health insurance online with SBI General Insurance is simple. Simply choose your preferred policy on the SBI General Insurance website, 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 the SBI General Insurance 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 access your policy documents 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 online through the app.
Advantages Buying a Medical Insurance Policy From SBI General
High Sum Insured
Medical costs are only increasing with every passing year. To combat this, we offer policies with sum insured of up to ₹2 Crore to cover the high medical costs. The high 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 has partnered with some of the most prestigious medical institutions across the country to provide you with cashless hospitalisation benefits. You can file cashless claims at over 6,000 reputed network hospitals and healthcare centres across 114 locations in India.
24×7 Services
Reaching out to SBI General’s 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 file a claim or need assistance about 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 has you covered. You can easily download the claims form from our website, fill it up and submit it with the requested documents. What’s more, you can file your claim both online and offline.
Easy Renewals
SBI General enables you to renew your medical insurance policy effortlessly. We send you reminders around the policy renewal time so you can enjoy uninterrupted coverage throughout the year. Plus, you can easily make changes to your policy by adding or removing riders and members, as per your changing needs.
Treatments Covered
Your SBI General health insurance policy covers the costs of almost all kinds of medical procedures, including in and out-patient treatments, simple and complex surgeries, dialysis, chemotherapy and radiation, organ transplantation procedures and more.
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Eligibility Criteria To Purchase A Medical Insurance Policy In 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 Health Insurance Plan?
- Assess the coverage offered under the policy – the inclusions, exclusions, as well as limits and sub-limits on expenses, etc.
- Choose an insurer with a high claim settlement ratio and an excellent record for customer services.
- Consider buying Family Floater Health Insurance plans, especially as a young family to enjoy higher coverage at lower premiums.
- Check if your preferred health care facilities or, at least, the hospitals in your vicinity are within the Health Insurance provider’s network.
- Plan for the future and choose a policy with a sufficient sum insured amount with no claims bonus benefits to help you beat inflation.
- Review if your chosen insurance plan has a co-payment clause to know just how much you will need to pay if you file a claim.
- Opt for a plan with a lifelong renewability clause so that you can continue enjoying Health Insurance coverage even when you are older.
- Consider choosing a plan 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 your age, gender and contact details. You will also need to specify whether you are buying the policy for yourself or including family members.
Share Health and Lifestyle Information
Enter relevant details, such as smoking or drinking habits, and disclose any pre-existing medical conditions, as these factors influence your premium.
View Premium and Customise Your Insurance Policy
Instantly view the premium along with the coverage offered. You can further enhance your policy by selecting add-ons based on your needs for an additional premium.
Ready to Discover our Competitive Health Insurance Premium Rates?
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Factors That Affect Your 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.
Important Health Insurance Terms You Should Know
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Vision
Our vision is to become the most trusted general insurer for a transforming India.
Mission
Our mission is to provide simple and innovative general insurance solutions, be responsive to our customers' needs and build a sustainable business for the future.
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