SBI Health Insurance FAQs

SBI Health Insurance

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Highlights

6,000+ Network Hospitals

7,56,443 Policies Issued

Lifelong Renewability

59.42% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

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

    The claim settlement ratio of SBI General Insurance for the year ended March 31, 2018 is 50.12%.

  • Whom can I contact for claim intimation and settlement purposes at SBI General Insurance?

    For claim intimation and settlement, you can get in touch with either InsuranceDekho at 18001205698 or can initiate contact with SBI General Insurance directly.

  • Can I get a refund of my money if I don’t claim in a policy period?

    No. You will not get any refund if you don’t claim in a policy period. However, you will be eligible for a ‘Cumulative Bonus’ of 5%, which can be accumulated up to 25% at the maximum. 

     

  • When should I inform the company in case of reimbursement or cashless planned period?

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

  • What are the documents required for the reimbursement process in SBI General Insurance?

    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 

Critical Illness

  • 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 survival period under the critical illness plan offered by SBI General Insurance?

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

  • What is the policy term for critical illness policy 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. 

  • Which critical illnesses are covered under the critical illness plan offered by SBI General Insurance?

    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

  • What are the minimum and maximum coverage offered under the critical illness plan by SBI General Insurance?

    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. 

Family Floater

  • Are maternity expenses covered under family floater health insurance policy offered by SBI General Insurance?

    Yes. Maternity expenses are covered under family floater health insurance policy offered by SBI General Insurance. 

  • Who all can be included under a family floater health insurance plan offered by SBI General Insurance?

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

  • What are the benefits of purchasing a family floater health insurance plan from 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

  • What are the sum insured options offered under family floater health insurance plans by SBI General Insurance?

    SBI General’s family floater health insurance plan i.e. Arogya Premier Policy offers a wide coverage from Rs. 10 Lakh to Rs. 30 Lakh. 

Feature

  • Do health insurance policies by SBI General Insurance offer lifetime renewability benefit to the policyholders?

    Yes. Health insurance policies by SBI General Insurance offer lifetime renewability benefit to the policyholders. 

  • What is the free look period provided under health insurance policies offered by SBI General Insurance?

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

  • What are the policy tenure options available under SBI General Insurance policies?

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

General Information

  • How many network hospitals does SBI General Insurance cover?

    There are 3000+ well-equipped network hospitals covered under SBI General Insurance. 

  • 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.  

  • 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.

     

Help to Buy

  • What is the toll-free customer care number of SBI General Insurance?

    The toll-free number of SBI General Insurance is 1800 22 1111. 

  • What is the address of SBI General Insurance?

    The correspondence address of SBI General Insurance is -

    SBI General Insurance Company Ltd.
    "Natraj"
    301, Junction of Western Express Highway & Andheri Kurla - Road,
    Andheri (East) Mumbai - 400 069

  • 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.

     

Individual

  • What are the sum insured options available under individual health insurance policy offered by SBI General Insurance?

    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. 

  • Do I get any discount if I purchase an individual health insurance policy from SBI General Insurance?

    Yes. You get a discount of 5% for 2-year term and 7.5% for 3-year term if you purchase an individual health insurance policy from SBI General Insurance. 

  • Does SBI General Insurance offer any health insurance plan specially designed for individuals?

    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.

Kids

  • What are the benefits of purchasing a health insurance plan for kids from SBI General Insurance?

    Listed below are some of the benefits for kids offered under health insurance plans by SBI General Insurance-

    • Wide scope of cover
    • Flexible plan options
    • Family floater benefit 
    • Cover for accidental hospitalisation
    • Cover for domiciliary hospitalisation
    • No need for medical test up to certain age limit depending on the plan opted

  • What are the sum insured options for kids under health insurance plans offered by SBI General Insurance?

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

  • Are pre and post-hospitalisation expenses covered under health insurance policies for kids?

    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. 

Maternity

  • What are the benefits of purchasing health insurance plan with maternity benefits from SBI General Insurance?

    Listed below are some of the benefits offered under health insurance plans with maternity benefits-

    • Cover for in-patient treatment
    • Domiciliary hospitalisation cover
    • Pre-hospitalisation cover for up to 60 days
    • Post-hospitalisation cover for up to 90 days
    • Up to 142 daycare procedures covered
    • Ambulance expenses covered including air ambulance

  • What are the exclusions under maternity plans offered by SBI General Insurance?

    Following are the exclusions-

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

  • Is maternity benefit provided under health insurance policies offered by SBI General Insurance?

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

Parents

  • Does SBI General Insurance offer any health insurance plan specially designed for parents?

    Yes. Health Insurance Policy-Retail by SBI General Insurance is the right choice for the parents. 

  • What is the maximum age limit to purchase health insurance cover for parents from SBI General Insurance?

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

  • What are the benefits of purchasing health insurance for parents from SBI General Insurance?

    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 

Plan Coverage

  • What are the coverage features offered under health insurance policies by SBI General?

    Given below are the coverage features offered under health insurance policies by SBI General-

    • Ambulance charges
    • Pre-hospitalisation expenses
    • Post-hospitalisation expenses
    • In-patient hospitalisation expenses
    • Domiciliary hospitalisation expenses

  • Is in-patient hospitalisation cover provided in all the health insurance policies offered by SBI General Insurance?

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

  • For how many days are pre and post-hospitalisation expenses covered in SBI General Insurance policies?

    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. 

Portability

  • What are the benefits of health insurance portability for the policyholders?

    In case of health insurance portability, the policyholders can port the following accrued credits-

    • General waiting period
    • Any time bound exclusions
    • Waiting periods for pre-existing diseases or conditions 

  • When can I port from one policy to another?

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

  • Can I port any other policy into an SBI General policy?

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

Premium

  • What is the starting amount of premium for SBI General Insurance’s health insurance policies?

    The premium for SBI General Insurance’s health insurance policies starts at Rs. 1,647. The premiums, however, are subject to change.

  • Does SBI General Insurance offer any discount on the premium paid for health insurance policies?

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

  • How is the premium calculated for SBI General Insurance’s health insurance policies?

    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.

  • How should I pay the premium for the health insurance policy to avail tax benefit on them?

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

  • Are the premiums paid for SBI General Insurance’s health insurance policies eligible for tax benefits?

    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. 

Senior Citizen

  • What is the age criteria for senior citizens under health insurance plans offered by SBI General Insurance?

    The senior citizens can be covered under health insurance plans offered by SBI General Insurance up to 65 years of age. 

  • What are the benefits of purchasing heath insurance plan for senior citizen from SBI General Insurance?

    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

  • What is the policy tenure for senior citizen health insurance plan offered by SBI General Insurance?

    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.  

Tax Benefit

  • Does buying health insurance from SBI General Insurance come with tax benefits?

    Yes! On buying a health insurance policy from SBI General Insurance, the policyholder gains tax benefits under Section 80D of the Income Tax Act, 1961. 

  • How should I pay the premium for the health insurance policy to avail tax benefit on them?

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

  • Up to what limit can the senior citizens enjoy tax benefits under health insurance policy offered by SBI General Insurance?

    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. 

Top-up

  • Is there any top-up plan that SBI General Insurance offers to its customers?

    Yes. SBI General offers a top-up plan to the customers, i.e.- Arogya Top-up Policy. 

  • What is the age criteria for getting covered under the top-up policy offered by SBI General Insurance?

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

  • What are the sum insured options under the top-up plan offered by SBI General Insurance?

    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. 

Woman

  • Is there any women-centric health insurance plan offered by SBI General Insurance?

    Yes. SBI General Insurance offers women-centric health insurance plan, i.e. Arogya Plus Policy.

  • Is there any discount offered under women-oriented health insurance plans offered by SBI General Insurance?

    Yes. Under the Arogya Plus Policy, women get 5% discount for 2-year policy term and 7.5% discount for 3-year policy term. 

  • What are the benefits of purchasing women-oriented health insurance plans from SBI General Insurance?

    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

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
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 Kavach PolicyMin: 1 Day; Max; 65 Years50,000 - 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

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.

SBI Health Insurance User Reviews

  • Good policy

    I purchased SBI General Arogya Sanjeevani Policy last month from InsuranceDekho but was unable to understand a few things from the policy wording so I...

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    R
    Ragini Chopra
    On: Jun 17, 2020 | Views
  • Easy to buy online

    I contacted the customer care executive of InsuranceDekho to purchase SBI General Arogya Sanjeevani Policy from them. It was a very smooth process as ...

    Read More
    R
    Rohit Pahwa
    On: Jun 17, 2020 | Views
  • Great benefits under the policy

    Under my SBI General Arogya Sanjeevani Policy that I purchased from InsuranceDekho, I get many benefits such as cover for in-patient hospitalisation e...

    Read More
    D
    Disha Chadha
    On: Jun 17, 2020 | Views
  • Wide sum insured options

    I purchased SBI General Arogya Sanjeevani Policy from InsuranceDekho and chose the sum insured option of Rs. 2 lakh as the policy only covers me. It i...

    Read More
    A
    Amit Bansal
    On: Jun 16, 2020 | Views
  • Helpful executives at InsuranceDekho

    I called InsuranceDekho 2-3 times just to understand my SBI General Arogya Sanjeevani  Policy features clearly. But the customer care executives ...

    Read More
    D
    Debojit Sinha
    On: Jun 16, 2020 | Views
  • Got cashless treatment

    I made a claim last month under my SBI General Insurance Arogya Premier Policy. The process was smooth and I received the response for my approval wit...

    Read More
    V
    Vishnu Dutt
    On: Jun 03, 2020 | Views
  • Easy to understand plans

    I bought SBI General Arogya Sanjeevani Policy from InsuranceDekho last week for my family. The plan was very easy to understand. It covers me against ...

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    G
    Gopul Jindal
    On: Jun 01, 2020 | Views
  • Affordable Plans

    Highly satisfied by purchasing SBI General Insurance for myself without any additional cost at a affordable premium.  

    R
    Rohitash Sharma
    On: May 29, 2020 | Views
  • Trustworthy insurer

    I chose to buy Arogya Plus policy by SBI General Insurance because I trust the insurer and I was getting many benefits under this policy. The claim pr...

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    K
    Kamya Vaish
    On: May 27, 2020 | Views
  • Smooth process!

    It is really easy to buy health insurance plans from InsuranceDekho online. One must not involve agents and must rely on the online process only. It w...

    Read More
    J
    Jasmine Khurana
    On: Apr 12, 2020 | Views

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