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.
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Cashless Hospitalisation
Cashless treatment at network hospitals across India.
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Lifelong Renewability
No age limit for policy renewal under eligible plans.
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Wellness Benefits
Renewal discounts, gym membership benefits, and wellness rewards under select plans.
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Sum Insured Refill
Automatic restoration of the sum insured after claim utilisation under eligible plans.
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Preventive Health Check-Ups
Periodic health check-up benefits as per policy terms.
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AYUSH Coverage
Coverage for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments.
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Organ Donor Expenses
Coverage for eligible organ donor-related expenses during transplantation.
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Teleconsultation & E-Opinion
Available under select SBI Health Insurance plans.
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Cumulative Bonus
Increase in sum insured for claim-free years under eligible plans.
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Tax Benefits
Tax deductions on health insurance premiums as per applicable tax laws.
SBI Health Insurance Plans
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.
| Plan Name |
Plan Type |
Sum Insured |
Suitable For |
Key Highlight |
| 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. |
What is Covered Under SBI Health Insurance?
Coverage under SBI Health Insurance varies by plan. However, most SBI Health Insurance policies generally include the following:
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In-Patient Hospitalisation
Room rent, nursing expenses, doctor's fees, ICU charges, and treatment costs.
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Pre-Hospitalisation Expenses
Medical expenses incurred before hospitalisation for a covered condition.
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Post-Hospitalisation Expenses
Follow-up treatment expenses after discharge.
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Day Care Treatments
Procedures that do not require 24-hour hospitalisation.
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Domiciliary Treatment
Treatment received at home under eligible circumstances.
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AYUSH Treatment
Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments at recognised centres.
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Organ Donor Expenses
Medical expenses related to organ harvesting for transplantation.
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Ambulance Charges
Road ambulance expenses and air ambulance benefits under select plans.
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Preventive Health Check-Ups
Health check-up benefits available under eligible plans.
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Modern Treatments
Coverage for specified advanced and modern medical procedures.
Coverage may vary depending on the selected SBI Health Insurance policy.
What is Not Covered Under SBI Health Insurance?
Like all health insurance policies, SBI Health Insurance plans contain certain exclusions. Common exclusions include:
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Self-Inflicted Injuries
Injuries arising from self-harm or attempted suicide.
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Cosmetic and Aesthetic Treatments
Cosmetic procedures unless medically necessary due to illness, injury, or reconstruction.
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Substance Abuse
Treatment arising from alcohol, drug, or substance abuse.
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War and Nuclear Risks
Injuries or illnesses arising from war, invasion, civil unrest, or nuclear events.
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Breach of Law
Medical expenses arising from unlawful or criminal activities.
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Experimental Treatments
Treatments not recognised as standard medical practice under the policy.
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Non-Medical Consumables
Items such as gloves, masks, syringes, and similar consumables unless covered through a specific benefit.
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Waiting Period Claims
Expenses related to illnesses, pre-existing diseases, or conditions falling within the applicable waiting period.
Who Can Buy SBI Health Insurance Plans?
SBI General Health Insurance offers plans for different age groups and healthcare requirements. Eligibility conditions may vary depending on the selected policy.
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Individuals
Adults seeking health insurance coverage for themselves.
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Families
Spouses, dependent children, and family members covered under a family floater plan.
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Senior Citizens
Individuals aged 60 years and above looking for health insurance coverage.
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Children
Dependent children can be covered under family floater plans, subject to the plan's entry age criteria.
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Critical Illness Seekers
Individuals looking for lump-sum financial benefits on the diagnosis of specified critical illnesses.
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Customers Seeking Top-Up Coverage
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.
Why Choose SBI Health Insurance?
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Wide Range of Health Plans
Individual, family floater, critical illness, top-up, and super top-up health insurance options.
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Health Coverage Up to ₹5 Crore
Coverage options extending up to ₹5 crore under select SBI Health Insurance plans.
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Cashless Hospitalisation
Access to treatment at network hospitals across India.
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Lifelong Renewability
Available under eligible SBI Health Insurance plans.
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Wellness Benefits
Renewal discounts, gym membership benefits, and wellness rewards under select plans.
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Sum Insured Refill Benefits
Automatic restoration of the sum insured under eligible plans.
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Coverage for Modern Treatments
Coverage for advanced medical procedures as specified in the policy wording.
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Digital Policy Management
Online policy purchase, renewal, claim intimation, and policy servicing.
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Top-Up and Super Top-Up Options
Additional coverage through Arogya Top-Up and Health Super Top-Up plans.
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Tax Benefits
Tax deductions on health insurance premiums as per applicable tax laws.
SBI General Health Insurance Add-On Covers
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.
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Major Illness Benefit
Additional financial protection on the diagnosis of specified major illnesses.
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Hospital Cash Benefit
Fixed daily cash allowance for each day of eligible hospitalisation.
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Additional Sum Insured for Accidental Hospitalisation
Extra coverage in case hospitalisation arises due to an accident.
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NCB Protector
Protects the accumulated No Claim Bonus from reduction after an admissible claim, subject to policy terms.
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Enhanced Cumulative Bonus
Higher cumulative bonus benefits for claim-free policy years.
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Any Room Upgrade Benefit
Upgrade to any hospital room category without being restricted by room rent limits specified under the base policy.
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Claims Shield
Coverage for specified non-payable consumables and medical items such as gloves, syringes, and similar expenses under eligible plans.
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Change in Pre-Existing Disease Waiting Period
Option to reduce the waiting period for pre-existing diseases under eligible plans.
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Recovery Benefit
Lump-sum recovery benefit available under eligible SBI Health Insurance plans after specified hospitalisation events.
How to Buy SBI Health Insurance Online?
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.
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Share Your Details
Enter basic details such as age, city, and the members you want to insure.
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Compare SBI Health Insurance Plans
Review available SBI Health Insurance plans, coverage options, benefits, and premiums to find a policy that matches your healthcare needs.
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Customise Your Coverage
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.
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Complete the Proposal Form
Provide the required personal, nominee, medical history, and lifestyle details for policy issuance.
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Make the Payment
Review your policy details and pay the premium through Coverfox's secure payment platform.
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Receive Your Policy Instantly
Once the payment is successful and the proposal is approved, the policy document is issued and shared digitally.
Need Help Choosing a Plan?
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 Network Hospitals
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.
How to Find SBI Health Insurance 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.
SBI Health Insurance Customer Care Details
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.
