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SBI Health Insurance - An Ideal Option

Updated On Feb 11, 2021

SBI Health Insurance - All About It

SBI Health Insurance is a renowned name in the health insurance sector. The insurer promises supreme financial stability to its policyholders, and successfully delivers the same every time there is a medical emergency. So, if you have a fear of losing your finances, due to a sudden illness or injury, SBI Health Insurance is and will always be there to support you. 

SBI Health Insurance - Prime Features

  • Dedicated claim settlement 
  • Coverage for individual, families and corporate segments
  • Access to more than 3000 network hospitals
  • Cashless emergency & planned treatment allowed
  • Cover for basic medical illness
  • Coverage for pre and post hospitalisation expenses, critical illness, ambulance expenses, various other expenses available 
  • Policy renewal benefits allowed
  • Easy purchase and renewal of plan
  • Free health check-ups on the completion of at least four claim-free years
  • Free look period of 15 days for cancellation of policy
  • Grace period of 30 days for policy renewal
  • Tax benefits available under Section 80D of the Income Tax Act 
  • No requirement of medical tests for people up to 55 years of age and without any medical history

SBI Health Insurance - Plans 

When it comes to health insurance plans, SBI Health Insurance has a wide range to offer. The list of plans available includes Health Insurance Policy- Retail, Arogya Premier, Arogya Plus, Arogya Top up, Group Health Insurance - SBI, Critical Illness, Hospital Daily Cash, and Loan Insurance. 

Health Insurance Policy- Retail

Offering financial security of high level, Health Insurance - Retail is SBI Health Insurance’s reliable plan that helps in managing finance without any concerns. Perfect for the time of medical emergencies, Health Insurance Policy- Retail is the ultimate key to the happiness of you and your family, even during a critical situation. 

Key Highlights 

  • Lifelong renewal
  • Policy period - 1 year
  • Eligibility - 3 months to 65 years 
  • Sum insured - Rs. 50,000 up to Rs. 5 Lakh
  • Flexible Plan Options - Metro Plan, Semi Metro Plan, and Rest of India
  • Coverage for Inpatient Treatment, Pre-hospitalisation (30 Days) & Post Hospitalisation (60 Days), Ambulance Charges, Parental Care, Child Care, Accidental Hospitalisation, Alternative Treatment, Domiciliary Hospitalisation, Convalescence Hospitalisation, Day Care Procedures, Limit of Cataract (15% of sum insured, maximum of Rs. 25,000 per eye), Free Medical Check up (1% of sum insured, maximum of Rs. 2500), etc.
  • Medical tests not required for people up to 45 years of age and without any medical history
  • Add-on covers - Removal of sub-limits on Room & ICU rent as well as Operation and Consultancy Charges
  • Co-payment of 10% on all eligible admissible claims in non-network hospitals

Arogya Premier Policy

When it comes to healthcare, high net-worth people do not like compromising on the quality of medical treatment. SBI Health Insurance, being the responsible insurer that it is, offers Arogya Premier Policy that allows one to get their special medicare requirements met from first-rate medical experts. Offering wide medical coverage option, the plan delivers a superior experience.

Key Highlights

  • Lifetime renewal of policy
  • Policy period - 1/2/3 years
  • Eligibility - 3 months to 65 years
  • Sum insured - Rs. 10 Lakh to Rs. 30 Lakh
  • Coverage available for Inpatient Treatment, Pre-hospitalisation (60 Days) & Post Hospitalisation (90 Days), Ambulance Charges, 142 Day Care Procedures, Maternity Expenses, Organ Donor Expenses, Alternative Treatment, Domiciliary Hospitalisation, and others
  • Benefits include Health Check-up Reimbursement up to Rs. 5,000, Reinstatement of Sum Insured up to 100%, Cumulative Bonus at the rate of 10% of the sum insured, etc.
  • Discount of 5% for 2 year policy term and 7.5% for 3 year policy term

Arogya Plus Policy

Arogya Plus Policy is yet another gem in the collection of SBI Health Insurance. A policy that helps one handle expensive bills without any concern, Arogya Plus Policy adds peace of mind to one’s situation when they cannot afford more stress. Opting this plan can help you focus on the treatment rather than financial situation. 

Key Highlights 

  • Guaranteed renewal for life
  • Policy period - 1 year, 2 years, and 3 years
  • Eligibility - 3 months to 65 years
  • Sum insured - Rs. 1 Lakh, Rs. 2 Lakh, and Rs. 3 Lakh
  • Coverage available for Inpatient Treatment, Pre-hospitalisation (60 Days) & Post Hospitalisation (90 Days), OPD expenses, Maternity Expenses up to OPD limit, Day Care Expenses, Ambulance Expenses, Alternative Treatment, and others
  • 5% discount for 2 year term and 7.5% discount for 3 year term 

Arogya Top up Policy

One of the best ways to gain extra security is Arogya Top up Policy. Available at a low premium, the offered policy helps you handle sky-rocketing medical costs over and above an insured’s pre-decided medical cost. In order to ensure financial stability at the time of a serious accident or illness, opt for Arogya Top up Policy.

Key Highlights

  • Renewable for lifetime 
  • Policy period - 1 year, 2 years, 3 years
  • Eligibility - 3 months to 65 years
  • Sum insured - Rs. 1 Lakh to Rs. 50 Lakh
  • Deductible options - Rs. 1 Lakh to Rs. 10 Lakh
  • Purchasable without a basic health insurance policy
  • Coverage available for Inpatient Treatment, Pre-hospitalisation (60 Days) & Post Hospitalisation (90 Days), 142 Day Care Procedures, Maternity Expenses, Organ Donor Expenses, Ambulance Expenses, Alternative Treatment Under AYUSH, Domiciliary Hospitalisation, etc. 
  • Reinstatement of sum insured on payment of additional premium
  • Discounts - 5% for 2 year term and 7.5% for 3 year term

Critical Illness Insurance Policy

Critical Illness can give sleepless nights to one. However, when an individual has an ideal insurance policy by their side, the stress become less. Critical Illness Insurance Policy is one such policy that helps you stay covered for high cost of treatment associated with critical illness without losing financial stability.

Key Highlights

  • Lifetime renewability
  • Policy period - 1 year and 3 years
  • Eligibility - 18 years to 65 years
  • Sum insured - Rs. 2 Lakh up to Rs. 50 Lakh
  • Coverage for 13 critical illnesses including Cancer, Kidney Failure, Stroke, Myocardial Infarction, Total Blindness, Coma, Paralysis, etc. 
  • Lump sum amount offered on diagnosis of critical illness, irrespective of the actual medical expenses

Hospital Daily Cash
SBI Health Insurance has left no stone unturned in catering to the varied needs of its policyholders. Hospital Daily Cash is an example for the same. Here, you get a fixed benefit for each day of hospitalisation, no matter what the actual medical cost may be. This plan covers you for additional expenses such as food, travel, and others which may not be covered under your basic health insurance policy. 

Key Highlights

  • Lifelong renewal
  • Policy period - 30 days and 60 days
  • Eligibility - 3 months to 65 years
  • Daily benefit amount - Rs. 500, Rs. 1,000, Rs. 1,500 and Rs. 2,000
  • Daily cash benefit of up to Rs. 2,000 (per day of hospitalisation), Rs. 4,000 (per day of ICU & Accidental Hospitalisation), fixed sum of up to Rs. 5000 for Convalescence expenses

Group Health Insurance - SBI
An apt choice for individual and families, Group Health Insurance - SBI helps you make medical treatment expenses more manageable without compromising on the treatment quality and health & happiness of your loved ones.
Key Highlights

  • Guaranteed renewal for life
  • Sum insured - Rs. 1 Lakh up to Rs. 5 Lakh
  • 4 year waiting period for pre-existing diseases
  • Coverage for Inpatient Treatment, Pre (30 Days) and Post (60 Days) Hospitalisation Expenses, Day Care Expenses, Ambulance Charges, and Other Expenses
  • No need for pre-policy medical test up to the age of 65 years for people with no medical history

Loan Insurance Policy
A unique policy by SBI Health Insurance, Loan Insurance safeguards you and your family against uncertainty. So, if you have recently purchased a home and fear any form of financial crisis, here is loan insurance policy to your rescue.
Key Highlights

  • Lifelong renewal guaranteed
  • Policy period - 1/2/3 years
  • Eligibility - 18 years to 60 years
  • Sum insured - Rs. 1 Lakh to Rs. 1 Crore
  • Coverage available for 13 Critical Illnesses, Personal Accident, and Loss of Employment 
  • No medical check-up up for those with age up to 55 years and/or sum insured of Rs. 1 Crore 

Also Read

SBI General Insurance to Consider IPO at the Right Time

How Top-up Insurance Plans Let You Gain Dual Benefits

Individuals looking for worthy health insurance, place your trust in SBI Health Insurance if you don’t want to face disappointment of any kind. 

For more, feel free to initiate contact at 18001205698. 

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