SBI Health Insurance Benefits

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Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443

Benefits of SBI Health Insurance

Right from its inception in 2010, SBI General Insurance has gained immense popularity in the insurance field. The insurer offers excellent health insurance plans in terms of benefits. Be it for an individual or families, the health insurance plans by the general insurer provide coverage against pre-hospitalisation expenses, post-hospitalisation expenses, in-patient treatment expenses, daycare treatment expenses, and multiple other healthcare expenses that are worth the money invested.

  • Additional Benefit of Free Health Check up

    When you choose an SBI health insurance plan, you gain the benefit of a free medical check-up. Note that the benefit is provided for every four claim-free consecutive years without any break in insurance. The insurer arranges the free health check-up in insurer’s empanelled diagnostic center or reimburses the cost incurred by the insured for the check-up subject to maximum 1% of sum insured up to a maximum of Rs. 2500.
  • Additional Protection over Employer Coverage

    Employer sponsored group health insurance plans may seem sufficient health coverage, but that’s not the case. Plans like such don’t prove to be satisfactory in case of medical emergencies. In order to ensure financial stability in crucial time, it is better to opt for an additional cover in advance. Buying a health insurance cover from SBI General Insurance can help you increase your existing group health cover without paying a huge premium.
  • Cashless Benefit

    SBI General health insurance plans come with the benefit of cashless claims. This particular benefit allows the policyholders to avail their claim in the cashless form and not worry about paying huge medical bills during an emergency situation. A great relief from financial stress, cashless benefit is nothing less than a boon. Note that policyholders can also avail reimbursement of medical bills apart from cashless settlement during treatment at a non-network hospital.
  • Claim Settlement Ratio

    Claim Settlement Ratio or CSR is the ratio of the claims settled by the insurer against the total number of claims presented in one financial year. SBI General Insurance has a 66.08%* CSR for the Financial Year 2019-20. *The Claim Settlement Ratio changes from time to time. A great CSR indicates that the company settles most of its claims, which in turn, enhances trust of potential customers.
  • Coverage against Medical Expenses

    SBI General health insurance plans come with comprehensive coverage, whether for an individual or a complete family. By investing in SBI Health Insurance plan, you can be assured of an extensive coverage for medical expenses such as inpatient treatment, pre-hospitalisation, post hospitalisation, day care treatments, ambulance cover, multiple others, which become too tough to handle during a medical emergency.
  • Incurred Claim Ratio

    Incurred Claim Ratio or ICR measures the earned premium, which is spent in paying claims. SBI General Insurance’s ICR for the financial year 2018-19 was 52%*. The ratio indicates the insurer managed to keep the ratio below 100% and earned a profit that strengthened its financial condition. *The Incurred Claim Ratio change from time to time.
  • Tax Benefit

    Premiums paid towards SBI General health insurance plans qualify for deduction under Section 80D of the Income Tax Act, 1961.

SBI Health Insurance Plan List

Name of PlanSum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 Years10 Lakh Get Quotes Now
Arogya Plus PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max; 65 Years50,000 - 5 lakh Get Quotes Now
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
Hospital Daily CashMin: 90 Days; Max: 65 Years500/day Get Quotes Now
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Rakshak PolicyMin: 91 days; Max: 65 years50000 - 2.5 Lakh Get Quotes Now

SBI Health Insurance Top Up List

Name of PlanSum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now

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  • Tax benefit upto 75,000*
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SBI Health Insurance Contact Details

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Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

918 SBI Cashless Network Hospitals in India

Insurance Products by SBI General Insurance

FAQ About SBI Health Insurance

  • Why should I invest in health insurance policy from SBI General Insurance?

    SBI General Insurance is a great option to buy a health insurance policy. The insurer not only ensures financial protection of an individual, but an entire family and provides them with the much-desired peace of mind. By investing in SBI General health insurance policy, you can benefit from wide health coverage, direct & hassle-free claim settlement, lifetime policy renewal and numerous other benefits. Overall, you won’t be disappointed with SBI General Health Insurance in any which way.


  • How can I buy and apply for SBI General health insurance policy?

    SBI General health insurance policy is easy to apply and buy online. You can either visit the official website of SBI General Insurance or InsuranceDekho to apply and purchase the SBI General's health insurance policy that suits your specific needs the best.


  • Which health insurance policies does SBI General Insurance provide?

    SBI General Insurance, under its health insurance category, offers Arogya Premier Policy, Arogya Plus Policy, Arogya Top Up Policy, Group Health Insurance Policy, Critical Illness Insurance Policy, and Hospital Daily Cash.  

  • Does SBI General Insurance provide critical illness cover?

    Yes! SBI General Insurance provides critical illness cover for 13 critical illnesses under its Critical Illness Insurance Policy.

  • What is the Claim Settlement Ratio of SBI General Insurance?

    The Claim Settlement Ratio of SBI General Insurance for the Financial Year 2019-20 is 66.08%. 

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - ; Helpline number: 7551196989.
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