- Retail Insurance
- Business Insurance
- Resources
- Claims
SBI Health Insurance is offered by SBI General Insurance Company Limited, an IRDAI-registered general insurer established in 2009. The insurer offers health insurance solutions for individuals, families, senior citizens, and critical illness coverage through a portfolio that includes Health Alpha, Super Health, Arogya Supreme, and Top-Up plans.
SBI General Insurance has established a strong presence in the Indian insurance market by offering a wide range of health insurance products designed to meet varying healthcare needs. Backed by the SBI brand, the insurer provides extensive coverage options, cashless treatment facilities across a large network of hospitals, and customer-centric services that enhance the overall policyholder experience. Its health insurance plans are designed to help individuals and families manage rising medical expenses while ensuring access to quality healthcare when needed.
As a leading general insurance company in India, SBI General Insurance offers health plans with comprehensive coverage, flexible sum insured options, and access to a wide network of cashless hospitals.
Cashless treatment at network hospitals across India.
No age limit for policy renewal under eligible plans.
Renewal discounts, gym membership benefits, and wellness rewards under select plans.
Automatic restoration of the sum insured after claim utilisation under eligible plans.
Periodic health check-up benefits as per policy terms.
Coverage for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments.
Coverage for eligible organ donor-related expenses during transplantation.
Available under select SBI Health Insurance plans.
Increase in sum insured for claim-free years under eligible plans.
Tax deductions on health insurance premiums as per applicable tax laws.
SBI Health Insurance offers individual health insurance, family floater plans, critical illness coverage, hospital cash benefits, and top-up solutions for higher medical coverage requirements.
| SBI Health Alpha | Comprehensive Health Insurance | Unlimited Sum Insured option available | Individuals and families seeking high coverage flexibility | 50+ coverage options, lifetime claim benefit with no upper cap on coverage, and cumulative bonus of up to 10x. |
| SBI Super Health | Comprehensive Health Insurance | Up to ₹2 Crore | Individuals and families seeking enhanced health coverage | Unlimited refill benefit, Claims Shield benefit, wellness rewards, and coverage for 37 listed serious illnesses. |
| SBI General Arogya Supreme | Comprehensive Health Insurance | ₹1 Lakh to ₹5 Crore | Individuals and families seeking extensive coverage options | Available in Pro, Plus, and Premium variants with optional benefits such as hospital cash, major illness cover, and NCB Protector. |
| SBI Arogya Top-Up Policy | Top-Up Health Insurance | ₹1 Lakh to ₹50 Lakh | Policyholders looking for additional coverage above a deductible | Covers day care procedures, organ donor expenses, maternity expenses, and ambulance charges. |
| SBIG Health Super Top-Up | Super Top-Up Health Insurance | ₹5 Lakh to ₹4 Crore | Individuals seeking higher coverage at a lower premium | Aggregate deductible options, 11 base covers, and 16 optional covers. |
| SBI Critical Illness Policy | Critical Illness Insurance | As per policy option selected | Individuals seeking lump-sum financial support on diagnosis of specified illnesses | Pays a lump-sum benefit upon diagnosis of covered critical illnesses. |
| SBI Hospital Daily Cash Policy | Fixed Benefit Health Insurance | As per policy option selected | Individuals seeking daily hospital cash benefits during hospitalisation | Provides a fixed daily cash allowance for eligible hospitalisation periods. |
Coverage under SBI Health Insurance varies by plan. However, most SBI Health Insurance policies generally include the following:
Room rent, nursing expenses, doctor's fees, ICU charges, and treatment costs.
Medical expenses incurred before hospitalisation for a covered condition.
Follow-up treatment expenses after discharge.
Procedures that do not require 24-hour hospitalisation.
Treatment received at home under eligible circumstances.
Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments at recognised centres.
Medical expenses related to organ harvesting for transplantation.
Road ambulance expenses and air ambulance benefits under select plans.
Health check-up benefits available under eligible plans.
Coverage for specified advanced and modern medical procedures.
Coverage may vary depending on the selected SBI Health Insurance policy.
Like all health insurance policies, SBI Health Insurance plans contain certain exclusions. Common exclusions include:
Injuries arising from self-harm or attempted suicide.
Cosmetic procedures unless medically necessary due to illness, injury, or reconstruction.
Treatment arising from alcohol, drug, or substance abuse.
Injuries or illnesses arising from war, invasion, civil unrest, or nuclear events.
Medical expenses arising from unlawful or criminal activities.
Treatments not recognised as standard medical practice under the policy.
Items such as gloves, masks, syringes, and similar consumables unless covered through a specific benefit.
Expenses related to illnesses, pre-existing diseases, or conditions falling within the applicable waiting period.
SBI General Health Insurance offers plans for different age groups and healthcare requirements. Eligibility conditions may vary depending on the selected policy.
Adults seeking health insurance coverage for themselves.
Spouses, dependent children, and family members covered under a family floater plan.
Individuals aged 60 years and above looking for health insurance coverage.
Dependent children can be covered under family floater plans, subject to the plan's entry age criteria.
Individuals looking for lump-sum financial benefits on the diagnosis of specified critical illnesses.
Existing health insurance policyholders looking to enhance their coverage through top-up or super top-up plans.
Entry age, coverage eligibility, and policy conditions may differ across SBI Health Insurance plans. Please refer to the respective policy wording for complete eligibility details.
Individual, family floater, critical illness, top-up, and super top-up health insurance options.
Coverage options extending up to ₹5 crore under select SBI Health Insurance plans.
Access to treatment at network hospitals across India.
Available under eligible SBI Health Insurance plans.
Renewal discounts, gym membership benefits, and wellness rewards under select plans.
Automatic restoration of the sum insured under eligible plans.
Coverage for advanced medical procedures as specified in the policy wording.
Online policy purchase, renewal, claim intimation, and policy servicing.
Additional coverage through Arogya Top-Up and Health Super Top-Up plans.
Tax deductions on health insurance premiums as per applicable tax laws.
SBI Health Insurance offers optional covers under select plans that allow policyholders to enhance their base health insurance coverage. The availability of these add-ons varies by plan.
Additional financial protection on the diagnosis of specified major illnesses.
Fixed daily cash allowance for each day of eligible hospitalisation.
Extra coverage in case hospitalisation arises due to an accident.
Protects the accumulated No Claim Bonus from reduction after an admissible claim, subject to policy terms.
Higher cumulative bonus benefits for claim-free policy years.
Upgrade to any hospital room category without being restricted by room rent limits specified under the base policy.
Coverage for specified non-payable consumables and medical items such as gloves, syringes, and similar expenses under eligible plans.
Option to reduce the waiting period for pre-existing diseases under eligible plans.
Lump-sum recovery benefit available under eligible SBI Health Insurance plans after specified hospitalisation events.
Buying an SBI General Health Insurance policy through Coverfox is a simple online process that allows you to compare plans, customise coverage, and complete your purchase in just a few steps.
Enter basic details such as age, city, and the members you want to insure.
Review available SBI Health Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.
Select the sum insured and enhance your policy with available add-ons such as Hospital Cash Benefit, Major Illness Benefit, NCB Protector, Claims Shield, Recovery Benefit, or Any Room Upgrade Benefit, depending on the chosen plan.
Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.
Review your policy details and pay the premium through Coverfox's secure payment platform.
Once the payment is successful and the proposal is approved, the policy document is issued and shared digitally.
If you're unsure which SBI Health Insurance plan best suits your needs, simply share your details on Coverfox. One of our insurance experts will contact you on the provided mobile number, explain the available options, answer your queries, and help you choose the right coverage for yourself and your family.
SBI Health Insurance offers access to a large network of cashless hospitals across India, allowing policyholders to receive treatment without paying eligible medical expenses upfront. Cashless hospitalisation helps simplify the claim process, reduces out-of-pocket expenses during treatment, and enables faster claim settlement at network hospitals.
Visit Coverfox and navigate to the Health Insurance section.
Click on Network Hospitals.
Select SBI Health Insurance from the list of insurers.
Enter your State and City details.
View the list of SBI Health Insurance network hospitals available in your location.
Choose a network hospital to avail cashless treatment under your policy.
Policyholders can contact SBI Health Insurance through the following channels for policy servicing, claim assistance, renewals, and other support requirements. Contact details should be verified from the official SBI General website before publication.
Customer Care Number: 1800 102 1111
Health Claims Helpline: 1800 210 3366 / 1800 210 6366
Claims Support Number: 1800 258 5881
Email Support: customer.care@sbigeneral.in
Website Support: www.sbigeneral.in
Mobile App: SBI General App for policy management, claim intimation, renewals, and document access.
Disclaimer: The information provided on this page is for general informational purposes only and is based on publicly available information, insurer disclosures, product brochures, and policy documents available at the time of publication. Benefits, coverage, exclusions, waiting periods, premiums, and terms may vary depending on the selected SBI Health Insurance policy. Please refer to the official policy wording and prospectus for complete details before purchasing a policy or filing a claim.
Yes, SBI Health Insurance offers cashless hospitalisation at network hospitals across India, subject to policy terms and claim approval.
Yes, pre-existing diseases are covered after the completion of the applicable waiting period specified under the selected SBI Health Insurance policy.
Yes, SBI Health Insurance covers treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy (AYUSH) systems at recognised healthcare facilities, subject to policy terms.
The requirement for a pre-policy medical examination depends on factors such as age, sum insured, medical history, and the selected plan. Certain plans may not require medical tests up to specified age limits.
You can visit a network hospital, present your health card or policy details, and submit a pre-authorisation request through the hospital's insurance desk. The insurer will review the request and communicate the approval decision.
You can renew your SBI Health Insurance policy through the insurer's website, mobile app, or through Coverfox before the policy expiry date.
Yes, SBI Health Insurance offers both Arogya Top-Up Policy and Health Super Top-Up Policy for policyholders seeking higher health coverage.
Yes, SBI Health Insurance plans can be purchased online through Coverfox by comparing plans, selecting coverage, completing the proposal form, and making the premium payment.
Yes, premiums paid towards SBI Health Insurance policies may qualify for tax deductions under the applicable provisions of the Income Tax Act, subject to prevailing tax laws.
Maternity coverage is available under select SBI Health Insurance plans and optional benefits. Coverage, waiting periods, and limits vary by policy.
Yes, SBI Health Insurance policies generally have a waiting period for pre-existing diseases. The duration may vary depending on the selected plan and optional covers.
Yes, SBI Health Insurance offers plans that can be purchased by senior citizens, subject to the entry age and eligibility criteria of the selected policy.
Yes, lifelong renewability is available under eligible SBI Health Insurance plans, allowing policyholders to continue coverage without age-based renewal restrictions.
Yes, you can port your existing health insurance policy to SBI Health Insurance as per IRDAI portability guidelines and the insurer's underwriting criteria.
Yes, SBI Health Insurance covers eligible organ donor-related medical expenses under select plans, subject to policy terms and conditions.
