SBI Health Insurance FAQs

You must inform the company as soon as possible in case of reimbursement or cashless planned period.

Following are the documents required for reimbursement process in SBI General Insurance-

• Pharmacy bills
• Investigation reports
• FIR or post-mortem report
• Receipts and discharge report from the hospital
• Indoor case papers with duly-filled claim form
• Original hospital bills
• A valid photo ID proof
• Treating doctor's report
• Nature of operation performed
• Surgeon's bill and receipt

For claim intimation and settlement, you can get in touch with either InsuranceDekho at 7551 196 989 or can initiate contact with SBI General Insurance directly.

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

There is a survival period of 28 days under the critical illness plan offered by SBI General Insurance.

The critical illness policy offered by SBI General Insurance is available in two options-1 year plan and 3-year plan.

Following critical illnesses are covered under the critical illness plan offered by SBI General Insurance-

• Coma
• Stroke
• Cancer
• Paralysis
• Kidney failure
• Total blindness
• Multiple sclerosis
• Aorta graft surgery
• Heart valve surgery
• Myocardial infarction
• Major organ transplant
• Coronary artery bypass graft
• Primary pulmonary arterial hypertension

The minimum and maximum coverage offered under the critical illness plan by SBI General Insurance is for Rs. 2 lakh and Rs. 50 lakh respectively.

The Proposer, spouse, dependent children and dependent parents can be covered under the family floater plan offered by SBI General Insurance.

Given below are some of the benefits of purchasing family floater health insurance plan from SBI General Insurance-

• Cover for ambulance charges including air ambulance up to Rs. 1 Lakh
• Expenses for up to 142 daycare procedures
• Cover for organ donor expenses
• Cover for up to 60 days of pre-hospitalisation expenses
• Cover for up to 90 days of post-hospitalisation expenses
• Automatic reinstatement of the sum insured
• Cover for AYUSH treatments
• Tax benefits

SBI General’s family floater health insurance plan i.e. Arogya Premier Policy offers sum insured options between Rs. 10 lakh and Rs. 30 lakh.

SBI General Insurance provides a free look period of 15 days to the policyholders.

Most of the health insurance plans offered by SBI General Insurance are available for a tenure of 1 year, 2 years, or 3 years.

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.

There are 6,000+ well-equipped network hospitals covered under SBI General Insurance.

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.

The toll-free number of SBI General Insurance is 1800 221 111.

Yes. SBI General Insurance offers Arogya Plus Policy which is specially designed for individuals. Though, this policy is also available on a floater basis, but because of lower and accessible sum insured options, it is most desired as an individual policy.

The individual health insurance policy offered by SBI General Insurance is available in sum insured options ranging from Rs. 1 lakh to Rs. 3 lakh.

Yes. 30 days pre-hospitalisation cover and 60 days post-hospitalisation cover is provided to kids under health insurance plans offered by SBI General Insurance.

The sum insured options under SBI General Health Insurance - Retail Policy range from Rs. 50,000 to Rs. 5 lakh.

Following are the exclusions-

• Intentional self-injury
• Treatment taken outside India
• Cosmetic or aesthetic treatments
• Epidemic disease recognised by the Indian Government or WHO

Yes. Under some of its policies, SBI General Insurance provides maternity cover for the women such as Arogya Premier Policy.

Parents can purchase a health insurance policy from SBI General Insurance up to the age of 65 years.

Listed below are the benefits of purchasing health insurance plans for parents from SBI General Insurance-

• Cover for domiciliary hospitalisation
• Cover for selected daycare procedures
• Ambulance charges up to a certain limit
• Cover for in-patient hospitalisation expenses
• Parental care expenses for parents over 60 years of age

Yes. In-patient hospitalisation cover is provided in almost all the health insurance policies offered by SBI General Insurance.

Under retail health insurance policy offered by SBI General, pre and post-hospitalisation expenses are covered for up to 30 days and 60 days respectively.

You can port from one policy to another when your current policy is due for renewal.

Yes. But remember that portability is applicable only within similar products.

Yes. SBI General Insurance offers a discount on the premium paid for health insurance policies on the basis of the policy term.

The premium for SBI General Insurance’s health insurance policies is calculated on the basis of several factors including age, gender, pre-existing diseases, habits like smoking or drinking, the sum insured, the policy period, residential area, and the number of members included in the policy.

You must pay the premium for the health insurance policy in any mode other than cash to avail tax benefits on the same.

Yes. The premium paid for SBI General Insurance health insurance policies are eligible for tax benefits under Section 80D of the Income Tax Act 1961.

Listed below are the benefits of purchasing a health insurance plan for senior citizen from SBI General Insurance-

• Cover for OPD expenses
• In-patient hospitalisation cover
• Domiciliary hospitalisation cover
• Up to 142 daycare procedures covered
• 60 days pre-hospitalisation expenses covered
• 90 days post-hospitalisation expenses covered
• Emergency ambulance cover up to a certain limit
• Reimbursement of alternative treatment under AYUSH

The health insurance policy for senior citizen offered by SBI General Insurance is available for policy terms of 1 year, 2 years, and 3 years.

You must pay the premium for the health insurance policy in any mode other than cash to avail tax benefits on the same.

If the Proposer is a senior citizen, then the tax benefits can be availed for a maximum of Rs. 50,000. However, if the Proposer is not a senior citizen, but is purchasing a policy for them, then a tax benefit for a maximum of Rs. 30,000 can be availed.

The minimum and maximum age under the top-up plan offered by SBI General Insurance policy is 3 months and 65 years respectively.

The top-up plan offered by SBI General Insurance can be purchased for sum insured options ranging from Rs. 1 lakh to Rs. 30 lakh.

Given below are the benefits of purchasing women-oriented health insurance plans:

• Cover for in-patient medical expenses
• Cover for maternity expenses up to OPD limit
• Cover for up to 142 daycare procedures
• 60 days pre-hospitalisation cover
• 90 days post-hospitalisation cover
• Emergency ambulance cover up to a certain limit