SBI General Health Insurance – Features, Plans, Claim Settlement Ratio, Claims Process, Buy, Renew Policy, Quotes

SBI Health Insurance

SBI General Insurance Company is one of India’s leading Health Insurance Companies offering a wide range of Health Insurance plans and a vast hospital network. The Insurer’s comprehensive Health Insurance Policies like Health Edge, Super Top-Up offer a wide range of benefits to customers looking for a reliable Health Insurance Plan. SBI Health Insurance reported an Incurred Claim Ratio of 98.09% as of March 2024 according to IRDAI Handbook of Insurance Statistics 2023-24

What are the Key Features of SBI General Health Insurance Plans?

The Key Features of SBI General Health Insurance Plans are as follows:

1. Comprehensive Coverage: SBI Health Insurance Plans provide comprehensive coverage for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses, Daycare Procedures, organ donor expenses, AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) etc. Some plans also provide coverage for Maternity Expenses, OPD Cover, Organ Donor Expenses etc.
2. Sum Insured Flexibility: SBI Health Insurance Plans offer a wide range of Sum Insured ranging from Rs50,000 to Rs4 Crores.
3. Cashless Hospitalization: SBI General Insurance Company has a vast network of 16,625 network hospitals across India facilitating cashless claim settlement for policyholders.
4. Wide Range of Plans: SBI General offers a wide range of plans across Individual Policies, Family Floater Policies, Senior Citizen Plans, critical illness Plans, Super top-up Policies, and dedicated disease-specific policies like diabetes or Cancer to cater to different requirements of customers.
5. No-Claim Bonus: Some SBI Health Insurance Plans a No-Claim Bonus of up to 200% for claim-free years.
6. Lifetime Renewal: All SBI Health Insurance Plans offer Lifetime Renewal, which is a key benefit.

How to Buy SBI Health Insurance Policy?

The steps to buy a SBI Health Insurance Plans with Qian are as follows:

1. Go to Qian Insurance Broking website <www.qian.co.in> and click on the Health Insurance icon
2. Fill the ‘Get a Free Quote Form’ by submitting your Name, Email ID and Mobile Number
3. An Expert Health Insurance Executive would reach out to you within 15 mins and take the relevant details like the People to be Insured and their Date of Births, Details of Pre-Existing Diseases, Sum Insured and Policy Features required and Premium Budget.
4. The executive will suggest multiple plans from Bajaj Allianz based on your requirements and budget.
5. Finalise the Plan and submit necessary documents such as ID proof, Address Proof etc.
6. Pay the premium using net banking, UPI, credit/debit card or wallet.
7. The policy will be emailed to your registered email ID.

How to Renew SBI Health Insurance Policy?

The Process to renew SBI General Health Insurance Policy with Qian is as follows:

1. Contact Qian Insurance Broking or visit the nearest branch office of the Company.
2. Provide relevant details along with the details of the Policy
3. The Qian Insurance Team will assist you with renewal quotes and to submit relevant documents.
4. Pay the premium via cash, cheque or demand draft.
5. The Policy will be mailed to your address within 2 days

How to Cancel SBI Health Insurance Policy?

You can cancel the SBI Health Insurance Policy by giving 15-day notice to the Insurance Company. The process to cancel SBI General Health Insurance Policy with Qian is as follows:

1. Contact Qian Insurance Broking or visit the nearest branch office of the Company.
2. Provide relevant details along with the details of the Policy
3. The Qian Insurance Team will assist you with cancelling the Policy.
4. If you cancel the Policy within the Free Look Period, then you will be eligible for 100% of Premium paid as refund. If you cancel the Policy after the Free Look Period, then the Insurance Company refunds the Premium based on a pre-specified percentage depending on the remaining term of the Policy. The Refund Amount applicable is credited to the bank account within 15 days.

What are different Health Insurance Plans of SBI General Insurance Company?

SBI General Insurance Company offers various Health Insurance Plans depending on the requirement of the Insured. Some Health Insurance Plans and their key features are listed below:

SBI General Health Edge Policy

SBI Health Edge policy is a comprehensive Health Insurance Plan offered by SBI General Insurance Company Limited providing coverage for Hospitalization Expenses, Daycare Procedures, Pre and Post-Hospitalization Expenses for 30 and 60 days respectively etc. The Policy offers various Sum insured Options ranging from Rs3 Lakhs to Rs25 Lakhs.

Key Features of SBI General Health Edge Policy

1. SBI Health Edge Policy provides cover for Hospitalization Expenses including Room Charges, Surgeon Fees, Medicines, etc.
2. Pre and Post-Hospitalisation Expenses coverage for 30 days - 60 days respectively
3. Unlimited Refill Benefit: The Policy provides Unlimited Restoration Benefit for Related and Unrelated Illnesses during the Policy Year
4. Consumables Cover: The Policy also provides a Consumables Cover which provides coverage for specified consumables such as Gloves, Masks, Cotton which are consumed during the period of hospitalization.
5. Critical Illness Cover: The Policy provides coverage for 60 listed Critical Illnesses where it pays a lumpsum benefit of Rs3 lakhs if the Insured is diagnosed with a Critical Illness after a Waiting Period of 90 Days. The Benefit is payable only if the Insured survives a Period of 28 days after the diagnosis of Covered Critical Illness
6. Global Cover for Critical Illnesses: The Policy provides coverage for Global Treatment for 16 Critical Illnesses which are diagnosed in India
7. OPD Cover: The Policy provides coverage for OPD Expenses upto Rs5000.
8. Bariatric Surgery Cover: SBI Health Edge Insurance Plan offers cover for Bariatric Surgery subject to a maximum of Rs50,000 after a Waiting Period of 36 months
9. Maternity Coverage: The Policy provides coverage for Medical Expenses Incurred upto Rs25000 for Normal Delivery and Rs50000 for C-Section Delivery is available after a Waiting Period of 48 months as an Optional Cover.
10. Booster Benefit: The Policy provides a No-Claim Bonus of 50% Base Sum Insured up to a maximum of 200% of the Base Sum Insured under the current Policy Year. If a Claim is made under the Health Insurance Policy during any Policy Year, the accrued bonus is reduced at the same rate at which it has accrued
11. Cover for Infertility Treatment: SBI Health Edge Policy provides coverage for Assisted Reproduction Treatment upto Rs1 Lakh subject to a Waiting Period of 48 months for 1 Assisted Reproduction Treatment Cycle for each eligible insured person in a Policy Year.
12. The Policy does not have any Room Rent Capping or Co-Payment
13. Waiting Period of 90 Days for Critical Illness Cover
14. Waiting Period of 90 Days for Diabetes, Hypertension Cardiac Condition
15. Waiting Period of 24 months for Pre-Existing Diseases
16. Waiting Period of 24 months for Specific Diseases
17. Waiting Period of 36 months for Global Treatment
18. Waiting Period of 48 months for Assisted Reproduction Treatment
19. Waiting Period of 48 months for Maternity Coverage
20. Optional Cover for Domestic Staff
21. Lifetime Renewal

SBI General Arogya Supreme Policy – Premium Plan

SBI General Arogya Supreme Health Insurance Policy is a comprehensive Health Insurance Plan offered by SBI General Insurance Company. The Policy provides cover for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses, Daycare Procedures, Modern Treatment Methods etc.

Key Features of SBI General Arogya Supreme Policy

1. SBI General Arogya Supreme Policy provides various Sum Insured Options ranging upto Rs1 Crore
2. SBI General Arogya Supreme Policy provides 20 basic covers and 8 optional covers for Hospitalization Expenses, Mental Healthcare, HIV/AIDS Cover, Genetic Disorders, Bariatric Surgery, Advanced Procedures etc. The Premium Plan has no Room Rent Capping
3. The Policy provides coverage for Pre and Post-Hospitalisation Expenses for 60 days –180 days respectively.
4. Internal Congenital Diseases Coverage: The Policy covers Internal Congenital Diseases upto 25% of Policy Sum Insured after a Waiting Period of 24 Months provided that the Baby is covered under the Policy.
5. Bariatric Surgery Cover: SBI Arogya Supreme covers Bariatric Surgery upto the Policy Sum Insured after a Waiting Period of 36 months.
6. Refill Benefit: The Policy provides Restoration Benefit once during the Policy Year on complete or partial utilization of Sum Insured.
7. Cumulative Bonus: SBI Arogya Supreme Policy provides No Claim Bonus of 15% per year upto a maximum of 100% of Basic Sum Insured provided there has been no Claim under the expiring Policy Year. If there is a Claim during the Policy Year, the accrued bonus is reduced at the same rate at which it has accrued.
8. Enhanced Cumulative Bonus: The Policy also provides an Add-On Cover for Enhanced Cumulative Bonus where the Policy provides a No Claim Bonus of 50% of Sum Insured per year upto a maximum of 200% of Policy Sum Insured provided there has been no Claim under the expiring Policy Year
9. Major Illness Benefit: The Policy provides a lumpsum benefit upto 100% of the Policy Sum Insured subject to a maximum of Rs25 lakhs after a Waiting Period of 90 Days if the Insured is diagnosed with any of the 18 listed Major Illnesses covered under the Policy. The Benefit is payable only if the Insured survives a Period of 30 days after the diagnosis of Covered Major Illness.
10. The Policy has an Entry age of 18 Years to 65 Years for Adults
11. Waiting Period of 36 months for Pre-Existing Diseases
12. Waiting Period of 24 months for Specific Diseases
13. Waiting Period of 24 Months for Internal Congenital Diseases
14. Waiting Period of 90 Days for Diabetes, Hypertension Cardiac Condition
15. Lifetime Renewal

SBI General Arogya Sanjeevani Policy

SBI General Arogya Sanjeevani Policy is a standard Health Insurance Plan providing coverage for medical expenses arising from Hospitalization Expenses, Pre and Post-Hospitalisation Expenses for 30 and 60 days respectively, Daycare Procedures etc. The Policy has a minimum entry age of 18 years and maximum entry age of 65 years.

Key Features of the Arogya Sanjeevani Policy

1. The Policy offers various Sum insured options ranging from Rs50,000 to Rs5 Lakhs
2. SBI Arogya Sanjeevani Policy has a Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
3. Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
4. Modern Treatments like Robotic Surgery, Stem Cell Therapy etc. are covered up to 50% of Policy Sum Insured.
5. Cumulative Bonus of 5% per year for every claim-free year, subject to a maximum of 50% of Sum Insured.
6. Co-Payment of 5% on each and every claim
7. Waiting Period of 36 months for Pre-Existing Diseases
8. Waiting Period of 24 and 36 months for Specific Diseases
9. Lifelong Renewal

SBI General Super Top-Up Health Insurance Policy

SBI General Super Top-Up Health Insurance Policy is a Super Top-Up Health Insurance Policy that provides additional coverage at nominal premiums. The Policy offers high Sum Insured options ranging from Rs5 lakhs to Rs4 Crores with Deductible options ranging from Rs2 lakhs to Rs2 Crores.

Key Features of SBI General Super Top-Up Health Insurance Policy

1. Various Sum Insured options available ranging from Rs5 lakhs to Rs4 Crores with Deductible options ranging from Rs2 lakhs to Rs2 Crores.
2. The Policy has a Minimum Entry age of 18 years and No Limit on Maximum Entry Age
3. Policy provides coverage for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses for 60 days - 180 days respectively, Daycare Procedures and Modern Treatment Methods
4. Unlimited Restoration Benefit: The Policy provides Unlimited Restoration Benefit for Related or Unrelated Illnesses during the Policy Year
5. Global Coverage: The Policy provides coverage for Hospitalisation Expenses and Daycare Treatment availed outside India for listed Illnesses upto the Policy Sum Insured provided that the disease was diagnosed in India.
6. Coverage for Maternity Expenses: The Policy covers Medical Expenses incurred up to Policy Sum Insured subject to Deductible, including Pre-natal & post-natal check-up and other expenses towards Maternity Expenses.
7. Coverage for Modern Treatment Methods: The Policy covers Modern Treatment Methods incurred up to the Policy Sum Insured subject to deductible.
8. Cumulative Bonus of 10% per year for every claim-free year, subject to a maximum of 100% of Sum Insured.
9. Waiting Period of 24 months for Pre-Existing Diseases. The Insured has an option to modify the Waiting Period for Pre-Existing Diseases to 12 months or 36 months.
10. Waiting Period of 24 months for Specific Diseases. The Insured has an option to reduce the Waiting Period for Specific Diseases to 12 months.
11. Waiting Period of 36 months for Maternity Coverage. The Insured has an option to modify the Waiting Period for Maternity Coverage to 12 months, 36 months or 48 months.
12. Waiting Period of 36 months for Medical Treatment Abroad
13. Lifetime Renewal

SBI General Super Health Insurance Policy

SBI General Super Health Insurance Policy is a Super Top-Up Health Insurance Policy that provides Health Insurance coverage at nominal premiums. The Plan is offered in 5 Variants: Prime, Elite, Premier, Platinum and Platinum Infinite with varying features.

Key Features of SBI Super Health Insurance Policy

1. The Policy offers various Sum Insured options available ranging from Rs3 lakhs to Rs2 Crores with Deductible options ranging from Rs1 lakh to Rs10 lakh.
2. The Policy has a Minimum Entry age of 18 years and there is no Limit on Maximum Entry Age
3. Policy provides coverage for Hospitalisation Expenses and Pre and Post-Hospitalisation Expenses for 60 days – 90/180 days depending on the variant
4. Health Multiplier Benefit: The Policy provides a Health Multiplier Benefit where the Insurance Coverage for 37 listed Critical Illnesses is multipled by 3X at no additional cost.
5. Unlimited Restoration Benefit: The Policy provides Unlimited Restoration Benefit (ReInsure Benefit) of 50% per year subject to a maximum of 100%/200% (depending on the plan opted) of the Policy Sum Insured. The Restoration Benefit can be utilized for Related or Unrelated Illnesses and can be exercised from the first claim itself.
6. Global Coverage: The Policy pays for the Hospitalisation Expenses of the Insured, incurred outside India, during the Policy Period caused solely due to the 16 listed Illness provided the Illness is diagnosed in India.
7. Enhanced Cumulative Bonus: The Policy provides an Enhanced Cumulative Bonus of 50% of Policy Sum Insured subject to a Maximum of 100%/200% of the Base Sum Insured depending on the plan opted in respect of Each Claim Free Year
8. OPD Coverage: The Policy provides coverage for OPD Expenses upto Rs10,000 for a single adult and Rs20,000 per family depending on the Plan opted.
9. Maternity Coverage: The Policy covers Medical Expenses incurred up to Rs2 Lakhs, including Pre-natal & Post-natal check-up and other expenses towards Maternity Expenses after a Waiting Period of 48 months for a single adult and 24 months for all other family combinations
10. Waiting Period of 24 months for Pre-Existing Diseases
11. Waiting Period of 12/24 months for Specific Diseases
12. Waiting Period of 48 months for Maternity Coverage for a single adult and 24 months for all other family combinations
13. Waiting Period of 90 Days for Diabetes, Hypertension Cardiac Condition
14. Waiting Period of 36 months for Medical Treatment Abroad

SBI General Arogya Top Up Policy

SBI General Arogya Top Up Policy is a Top-Up Health Insurance Policy which provides Health Insurance Coverage at affordable premiums. The Policy offers Sum Insured ranging from Rs1 Lakh to Rs50 Lakh with Deductible options ranging from Rs1 lakh to Rs10 lakh. The Policy provides coverage for Hospitalisation Expenses, Pre- and Post-Hospitalisation Expenses, Daycare Procedures etc.

Key Features of SBI Arogya Top Up Health Insurance Policy

1. SBI Arogya Top-Up Policy has an entry age of 18 and 65 years for and 91 days to 25 years for Dependent Children.
2. The Policy provides coverage for Hospitalisation Expenses, Pre- and Post-Hospitalization Expenses for 60 days - 90 days and 141 Daycare Procedures.
3. Maternity Coverage: The Policy provides coverage for Maternity Expenses after a Waiting Period of 9 Months
4. Waiting Period of 36 months for Pre-Existing Diseases
5. Waiting Period of 90 Days and 12 months for Specific Diseases
6. Waiting Period of 9 months for Maternity Coverage
7. Lifetime Renewal

SBI General Critical Illness Insurance Policy

SBI General Critical Illness Insurance Policy provides coverage for 13 critical illnesses, including cancer, end-stage kidney failure, major organ transplant, serious heart conditions, total blindness, paralysis etc. The Policy provides a lump sum payment upon diagnosis of any of the 13 Critical Illnesses, thus helping Policyholders to manage the financial burden that accompanies a Critical Illness.

Key Features of SBI General’s Critical Illness Insurance Policy

1. SBI General Critical Illness Insurance Policy Provides a lump sum payment upon diagnosis of any one of the 13 covered major critical illnesses, regardless of actual medical expenses
2. The has an Initial Waiting Period of 90 Days from the date of the commencement of the Policy Period
3. SBI General Critical Illness Insurance Policy has a Survival Period of 28 Days from the date of first diagnosis of one of the listed Critical Illnesses
4. The Policy offers various Sum Insured options ranging from Rs2 lakhs to Rs50 lakhs
5. Minimum Entry age of 18 years and Maximum Entry Age of 65 years old
6. Lifetime Renewal

SBI General Divyang Suraksha Health Insurance Policy

SBI General Divyang Suraksha Policy is a is a specialized Health Insurance Policy designed to cater to the needs of persons with disabilities and individuals with HIV/AIDS. SBI Divyang Suraksha Policy is granted only to individuals having at least one of the disabilities as defined under the Specified Disability Category under The Rights of Persons with Disabilities Act, 2016, and must possess a valid disability certificate. The Policy can also be granted to Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017 The Plan offers comprehensive Health Insurance Coverage to persons with disabilities and individuals with HIV/AIDS.

Key features of the SBI Divyanga Suraksha Policy

1. SBI Divyanga Suraksha Policy provides Coverage for Hospitalisation Expenses, Pre and Post-Hospitalization Expenses covered for 30 days - 60 days and Daycare Procedures for Persons with Disabilities and HIV/AIDS
2. The Policy can be granted only on Individual Basis and offers Sum Insured options of Rs4 lakhs and Rs5 lakhs
3. The Policy has a Minimum Entry Age of 18 years and Maximum Entry Age of 65 Years
4. The Policy has a Room Rent Limit of 1% of Sum Insured for Normal Rooms and 2% of Sum Insured for ICU Rooms.
5. Modern Treatment Methods are covered upto 50% of Policy Sum Insured
6. The Policy has a Waiting Period of 30 Days for HIV/AIDS Cover
7. Waiting Period of 24 Months for Disability covered under the Policy
8. Waiting Period for Pre-Existing Disease of 36 Months (For Pre-Existing Diseases other than the pre-existing Disability and HIV/AIDS covered)
9. The Policy has a Co-Payment of 20% on each and every Claim. Waiver of Co-Payment can be opted by paying additional Premium
10. Lifetime Renewal

What is the Claim Settlement Process with SBI General Health Insurance Policy?

The steps to file an Insurance Claim with SBI General Insurance Company Limited are listed below:

Intimate Claim

You need to intimate SBI General about the claim by either:

1. Go to the SBI General Insurance Website, Click on Claims, select the relevant Insurance Policy and register a claim by providing details like Insured Information, date of incident etc. You can alternatively register a claim by sending an email at sbig.health@sbigeneral.in or calling on Toll Free Number – 1800 210 3366 or 1800 210 6366
2. The Insurance Company will provide a Claim Intimation number upon successful registration of the Claim

SBI General Health Insurance Claim Settlement Process – Cashless Claim Settlement

The Cashless Claim Settlement Process under the SBI General Health Insurance Policy is listed below:

1. Locate the nearest network hospital covered by the SBI General Health Insurance Policy to avail treatment
2. Inform SBI General about the hospitalization 3-4 days before in case of a planned hospitalization and within 4-5 hours in case of an emergency
3. Show the Health Card issued by the Insurance Company to the Insurance desk at the hospital
4. Fill the Pre-Authorization Claim Form provided by the hospital
5. The Hospital sends Pre-Authorization Claim Form to SBI General Insurance Company for Claim Settlement
6. The Insurance Company will inspect the details and inform the Insured about the approval or rejection of the Claim
7. Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by SBI General Insurance Company. The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.

SBI General Health Insurance Claim Settlement Process – Reimbursement Claim Settlement

The Reimbursement Claim Settlement Process for SBI General Health Insurance Policy is as follows:

1. Inform SBI General Insurance Company within 24 hours of admission to the hospital. The Company will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices.
3. Submit the required documents to SBI General Insurance Company
4. The Insurance Company will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
5. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?

The Insured needs to submit the following documents to SBI General Insurance Company to avail Reimbursement Claim Settlement under the Policy:

1. ID Proof, Policy Health Card and Address Proof
2. Duly Filled and Signed Claim Form
3. Pathology Reports
4. Medicine Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Hospital Bills
7. Discharge Summary

SBI General Health Insurance Customer Care - How do I contact SBI General Health Insurance?

If you need to get in touch with SBI General, you have multiple options:

1. Customer Support Helpline: You can reach SBI General’s dedicated customer support helpline at 1800 210 3366 or 1800 210 6366. Their representatives will assist you with your queries and concerns.
2. Online Portal: Visit the official website of SBI General The website provides comprehensive information about their services, network hospitals, and contact details.
3. Email: You can also communicate with SBI General Health Insurance via email. Send your queries or requests to sbig.health@sbigeneral.in , and their team will respond to you promptly.

Get Best Quotes for SBI General Health Insurance Policies with Qian!

SBI General is a leading Health Insurance Company in India with reliable claim settlement, a large hospital network, and customizable benefits. Qian is a licensed Insurance Broker with SBI General Insurance Company. We can assist you with all Health Insurance Policies as well as Claim Settlement with SBI. Get a Quote for SBI Health Insurance Policy from Qian. You can reach out to us via email at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you