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Comprehensive Health Insurance Aur Unmatched Protection Dono!
14Cr+
Customers Served
18,000+
Network Hospitals
180+
Branches
What Is Super Health Insurance?
SBI General’s Super Health Insurance is your ultimate safeguard against unexpected medical expenses. Designed with your well-being in mind, this policy offers comprehensive coverage that includes in-patient and domiciliary hospitalisation, ensuring you’re protected no matter where you are. One of its standout features is the global medical treatment benefit, which extends your coverage beyond borders, giving you peace of mind even when travelling abroad.
What sets this policy apart is its Unlimited Re-insure Benefit, which automatically restores your sum insured upon exhaustion, ensuring continuous protection throughout the policy period. Additionally, the policy includes annual health check-ups, helping you stay proactive about your health. With SBI General’s Super Health Insurance, you’re not just buying a policy; you’re investing in a healthier, worry-free future. It’s the perfect blend of extensive coverage, flexibility, and affordability, tailored to meet the diverse needs of you and your family.
Key Benefits of Super Health Insurance by SBIG
| SBI General Key Features | Benefits |
|---|---|
| Sum Insured | ₹3 Lakh to ₹2 Crore |
| Premium | Varies based on sum insured, age and plan variant |
| Eligibility | Adults Aged 18 Years and Above Children Aged 91 Days |
| Free Look Period | 30 days from the date of receipt of the policy document |
| Waiting Period | 30 days for general illnesses; 1-2 years for specific diseases and pre-existing conditions |
| Tax Benefits | Eligible for tax benefits under Section 126 of the Income Tax Act, 2025 |
| Health Check Ups | Annual Health Check-ups Included |
| Lifetime Renewability | Yes, lifelong renewability |
| No Claim Bonus (NCB) | Enhanced Cumulative Bonus and Health Multiplier Benefits |
| Hospital Network | Wide network of empaneled hospitals across India |
(*Please ensure you read the policy terms and conditions in detail before buying your plan.)
It’s time to consider purchasing a health insurance plan! Tailor your Plan as per your Need!
What’s Covered Under Super Health Insurance?
In-Patient Hospitalisation
Covers medical expenses for hospital stays exceeding 24 hours, including room rent, ICU charges, doctor’s fees, and surgery costs, ensuring comprehensive coverage during hospitalization.
Pre-Hospitalization
Covers medical expenses incurred up to 60 days before hospitalization, such as consultations, diagnostic tests, and medications, providing financial protection before hospital admission.
Post-Hospitalization
Covers medical expenses incurred up to 180 days after discharge, including follow-up consultations, diagnostic tests, and medications, ensuring continued care and financial support during recovery.
Day Care Procedures
Covers treatments that do not require 24-hour hospitalization, such as cataract surgery and chemotherapy, providing coverage for advanced medical treatments completed in a day.
AYUSH Treatments
Covers expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy, providing coverage for traditional and holistic healthcare options.
Modern Treatments
Covers expenses for advanced medical treatments and procedures, ensuring access to the latest medical technologies and innovations for your health needs.
Ambulance Charges
Covers expenses for emergency road and air ambulance services, ensuring timely medical attention without worrying about transportation costs during emergencies.
Organ Donor Expenses
Covers medical expenses related to organ donation, including the donor’s hospitalization and surgery costs, making organ donation more accessible and financially supported.
Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBI Super Health Insurance policy. People are advised to go through the policy wordings carefully before buying the plan.
What’s Not Covered Under Super Health Insurance?
Investigation and Evaluation (Code-Excl 04)- Rest Cure, Rehabilitation, and Respite care (Code- Excl 05)
- Obesity / Weight Control (Code- Excl 06)
- Change of Gender Treatments (Code- Excl 07)
- Cosmetic or Plastic Surgery (Code- Excl 08)
- Hazardous or Adventure Sports (Code- Excl 09)
- Breach of Law (Code- Excl 10)
- Excluded Providers (Code-Excl 11)
- Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code- Excl 12)
- Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code- Excl 13)
- Dietary Supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care Procedures. (Code- Excl 14)
Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to policy wordings.
How To Buy Super Health Insurance 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!
How to File Your Health Insurance Claim
Cashless Facility Procedure
Visit the nearest SBIG network hospital to avail cashless facility. Present your SBIG health card at the insurance desk in the network hospital.
Pre- Authorization Process
The network hospital will verify your identity and submit a duly filled pre-authorization form, along with relevant documents, to SBI General Insurance.
Cashless Treatment Admission
Upon approval, you can get admitted and avail cashless treatment as per your policy coverage.
Claim Settlement
After discharge, the hospital will send your claim documents to SBI General’s office for settlement of hospitalization expenses.
Hospital Discharge
Guidelines
Upon discharge from the hospital,
it is essential to settle your account and collect all original records of the procedures undergone, along with cost incurred.
Health Claim
Submission
Download the SBIG health claim form, fill the form, and submit it with the required documents from the checklist.
Document
Submission
Send original claim documents to the Health Vertical Office at the provided address. SBI General Insurance Company Limited, 9th Floor, Westport, Pan Card Club Road, Baner, Pune, Maharashtra- 411 045. Office Timings: 9:30 AM - 5:30 PM (Mon - Fri)
Claim
Settlement
SBIG will review submitted documents, and claim processing will occur subject to policy terms and conditions.
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FAQs about Super Health Insurance
Explain Maternity cover?
- Maternity Expenses including Pre-natal Medical Expenses (from the date of confirmation of pregnancy) & Post-natal check-ups (up to eight weeks from delivery) incurred in respect of the hospitalization of the Insured Person for the delivery of the child during the Policy Period.
- In case of Insured person -
- Single Adult on an individual basis - Eligible for the claim under this benefit, after a waiting period of 48 months from the date of issuance of the first policy, provided that the policy has been renewed continuously without any break and at least 4 continuous annual premiums under the Policy has been received.
- For any other family combination – Eligible for the claim under this benefit, after a waiting period of 24 months from the date of issuance of the first policy, provided that the policy has been renewed continuously without any break and at least 2 continuous annual premiums under the Policy has been received.
- Maternity Expenses incurred in connection with the voluntary medical termination of pregnancy during the first 12 weeks from the date of conception shall not be admissible under this Benefit. Medical Expenses for ectopic pregnancy are not covered under this Benefit.
Is there any waiting period applicable?
Fresh waiting period of 36 months in case of Single Adult on Individual basis and 24 months in case of other Family combination would apply for all the policies which are issued with continuity under Portability guidelines either from our existing Health Product or any other Insurance Company.
What are the Listed illness covered under the Medical Treatment abroad Cover?
| S. No. | Name of Major Illness |
| 1 | Cancer Treatment Surgery |
| 2 | Heart Valve Replacement |
| 3 | Bone Marrow Transplant |
| 4 | Pulmonary Artery Graft Surgery |
| 5 | Aorta Graft Surgery |
| 6 | Coronary Artery By-Pass Surgery Post Occurrence of Myocardial Infraction |
| 7 | Surgical Treatment for Stroke |
| 8 | Lung Transplant Surgery in case of End Stage Lung Disease |
| 9 | Kidney Transplant Surgery in case of End Stage Renal Failure |
| 10 | Surgical Treatment of Coma |
| 11 | Surgery for Pheochromocytoma |
| 12 | Liver Transplant Surgery in case of End Stage Liver Disease |
| 13 | Pneumonectomy - Removal of an entire lung |
| 14 | Surgical removal of an eyeball |
| 15 | Heart transplant surgery |
| 16 | Craniotomy for Cerebral Aneurysm |
Who can buy this policy ?
Any individual can take this Policy for themselves and their family and/ or domestic staff. "Family" means spouse, dependent children, parents and parents-in-law
"Individual" means Self, legally married spouse, son, son-in-law, daughter, daughter-in-law, father, mother, brother, brother-in-law, sister, sister-in-law, mother-in-law, father-in law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, or any other relationship having an insurable interest.
"Family Floater" means Self, legally married spouse, dependent children (natural/legally adopted), Parents and/or Parents-in-law.
Are diseases like HIV/AIDS, Mental Illness, Genetic Disorder, ICD are covered? Up to what limit are they covered?
Yes, the mentioned diseases are covered up to the Base Sum Insured.
Product Name : Super Health Insurance
Product UIN
SBIHLIP24141V022324
SBIHLIP24141V022324
For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. Premium Rates are exclusive of loading and discounts.
*Tax benefits are subject to change in Tax Laws
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
#T&C Apply
*Tax benefits are subject to change in Tax Laws
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
#T&C Apply
