SBI General Insurance is a subsidiary of India's largest public sector bank- State Bank of India. Founded in 2008, the company has insurance products across motor, travel, home, and health sectors.
SBI Health insurance plans
Arogya Plus
The SBI Arogya Plus Plan is a health insurance policy that covers hospitalization and outpatient expenses up to ₹3 lakhs. It includes benefits like pre- and post-hospitalization coverage, AYUSH treatments, domiciliary hospitalization, and 141 daycare procedures. With no co-payment or room rent restrictions, it provides financial protection against rising medical costs for individuals and families at an affordable premium.
Super Health Platinum
The SBI Super Health Platinum plan is a premium variant of the Super Health series, offering comprehensive health insurance coverage with a sum insured range of 10 lakhs to 50 lakhs. Key features include a two-year waiting period for pre-existing diseases, in-built maternity coverage (₹75k for C-section and ₹50k for normal delivery), OPD coverage up to ₹5,000/year for a single adult and up to ₹10,000 for all other family combinations, and the Multiplier Health feature. This feature provides additional coverage for listed 37 critical ailments by offering two to three times the base sum insured once a year (For SI ₹10 Lacs: 2X of SI | ₹15 Lacs & above: 3X of SI).
Arogya Supreme Plus
The SBI Arogya Supreme Plus plan is an upgraded version of the Arogya Supreme Pro policy, offering enhanced health insurance coverage. It includes features like increased post-hospitalization coverage from 60 to 90 days, mental healthcare benefits (up to Sum Insured (Sub limit - 10% of the SI, max 50,000 whichever is lower, applicable for few conditions)), and genetic disorder coverage up to ₹1 lakh. The plan offers sum insured options from 6 lakhs to 20 lakhs and includes optional benefits like enhanced cumulative bonus (50% up to a maximum of 200% of the base SI, in case of no claims), hospital cash benefit and room upgrade.
Retail Health Policy
SBI Retail health is a relatively inexpensive policy. But it has a couple of restrictions. It only offers few benefits. And if you’re looking for a policy that offers comprehensive coverage, this one might be a letdown.
Super Health Platinum Infinite
The SBI Super Health Platinum Infinite plan is the most premium variant of the Super Health series, offering comprehensive health insurance coverage with a sum insured range of 50 lakhs to ₹2 crores. Key features include in-built maternity coverage up to ₹2 lakhs, OPD coverage up to ₹10,000/year for a single adult (up to ₹20,000 for all other family combinations), and an unlimited restoration benefit of up to 200% of the base sum insured. The plan also includes the Multiplier Health feature, providing an additional 3x the base sum insured for listed 37 critical ailments once a year.
Arogya Supreme Premium
The SBI Arogya Supreme Premium plan is an enhanced variant of the Arogya Supreme Plus policy, offering enhanced health insurance coverage. It includes extended post-hospitalization coverage from 60to 180 days, comprehensive in-patient hospitalization, and optional benefits like hospital cash, enhanced cumulative bonus (50% up to a maximum of 200% of the base SI, in case of no claims) and no claim bonus protector (if claim is less than 50,000).. The plan provides sum insured options from ₹25 lakhs and above, with lifelong renewability and a network of over 16,600 hospitals.
Arogya Top-up
The SBI Arogya Top-up plan offers an affordable way to extend health coverage, with sum insured options ranging from ₹1 lakh to ₹50 lakhs. The plan features no co-payment, no room rent restrictions, and covers pre- and post-hospitalization expenses (60 and 90 days, respectively). It is suitable for those seeking to bolster their existing health cover at a low premium, with options for 1, 2, or 3-year policies.
Super Health Elite
The Super Health Elite plan by SBI is an enhanced version of the Super Health Prime policy, offering comprehensive health insurance coverage with a sum insured range of ₹3 lakhs to 25 lakhs . Key features include a short two-year waiting period for pre-existing diseases, a Multiplier Health benefit that provides additional coverage (For SI ₹3–10 Lacs: 2X of SI & ₹15 Lacs & above: 3X of SI) for listed 37 critical ailments, and coverage for modern treatments (up to Base SI), AYUSH therapies (up to Base SI, and bariatric surgery (up to 50K). The plan also includes optional wellness benefits like AI fitness coaching and nutrition consultations.
Arogya Premier
SBI Arogya Premier is a pretty good policy. It covers most bases. It doesn't have any outrageous conditions. It offers a whole host of benefits. The only downside - If you have pre-existing diseases, you will have to wait 4 years for the policy to start covering complications arising out of these ailments too.
Super Health Prime
The SBI Super Health Prime plan is a comprehensive health insurance policy offering essential coverage with a focus on affordability. It includes features like in-patient hospitalization, pre- and post-hospitalization expenses (60-90 days respectively), daycare treatments (up to Base SI), and domiciliary care (up to Base SI). The plan provides unlimited restoration for any ailments, a short waiting period of two years for pre-existing diseases, and annual health check-ups. It also covers modern treatments and AYUSH therapies both up to Base SI, enhancing its appeal for diverse healthcare needs.
Super Health Premier
The SBI Super Health Premier plan is a comprehensive health insurance coverage with a sum insured range of ₹3 lakhs to 10 lakhs. Key features include a two-year waiting period for pre-existing diseases, in-built maternity coverage (₹50k for C-section and ₹25k for normal delivery), and a Health Multiplier benefit that doubles the base sum insured for 37 critical ailments listed by the insurer.
Arogya Supreme Pro
The SBI Arogya Supreme Pro plan is a basic health insurance policy offering essential coverage with a sum insured range of ₹3 lakhs and 5 lakhs. The plan includes optional benefits like hospital cash and enhanced cumulative bonus (25% increase up to a maximum of 200% of the base cover, in case of no claims). However, it has disease-wise sub-limits on cataracts and modern treatments and room rent restrictions, limiting its comprehensive appeal.
SBI Health insurance claim process
SBI claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of SBI's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
SBI Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the SBI website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your SBI health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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