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A List of Diseases SBI General Health Insurance Plans Covers

By Juhi Walia
23 August 2022, 11:39 AM

A medical emergency can be disturbing for more reasons than one, whether an illness or an accident. Not only does it cause discomfort and trauma, but it can also adversely affect your finances and upset your financial goals and family’s plans. While one cannot evade medical emergencies entirely, health insurance plans provide respite from financial setbacks. Many reputed health insurance companies cover an array of ailments and accidental injuries. SBI General Health Insurance takes care of medical expenses such as the cost of hospitalisation (including pre and post), ICU charges, OPD appointments, daycare procedures, and ambulance charges, among others. The insurer’s customised policies include plans for critical illnesses, COVID-19, mental illnesses, and other diseases and disorders. So, let’s check SBI health insurance plans and the diseases they cover.

Wide Range of SBI Health Insurance Policies

SBI offers different types of health insurance plans that protect from various illnesses. These plans include:

  • Arogya Supreme
  • Arogya Sanjeevani Policy
  • Arogya Premier Policy
  • Arogya Plus Policy
  • Arogya Top-Up Policy
  • Corona Kavach Plan
  • Corona Rakshak Plan
  • Kutumb Swasthya Bima
  • Retail Health Insurance Policy
  • Critical Illness Insurance Policy
  • Hospital Daily Cash Insurance Policy
  • Loan Insurance Policy

The sum insured amount ranges from INR 50,000 to INR 5 Crore. SBI’s cashless health insurance enables the policyholder to receive treatment at more than 6,000 network hospitals. 

List of Diseases Covered 

SBI General Health Insurance plans cover the following diseases:

Critical Illnesses

Critical illnesses can be life-threatening and require expensive treatments that may deplete your savings before you know it. SBI Critical Illness Insurance plan pays for your treatment expenses for 13 critical illnesses. These include -

  • Cancer
  • Major Organ Transplant
  • Primary Pulmonary Arterial Hypertension
  • End-Stage Kidney Failure
  • Multiple Sclerosis
  • Coma
  • Coronary artery bypass grafts
  • Heart Valve Surgery
  • Aorta Graft Surgery
  • Stroke
  • Paralysis
  • Myocardial Infarction (First Heart Attack)
  • Total Blindness

You can insure up to INR 50,00,000, and the policy comes with IT exemption under 80D. The SBI Loan Insurance Retail policy also covers critical illnesses.


The pandemic wreaked global havoc for two years, and the danger still looms worldwide. The highly-infectious disease often causes severe health complications, especially if a patient has comorbidity such as blood pressure, diabetes or any other major illness. A health complication due to the virus can make the treatment super-costly. SBI protects one from these expenses through the Corona Kavach and the Corona Rakshak policies. However, all the health insurance plans under SBI cover COVID-19 hospitalisation costs.

Read more - Difference Between Corona Kavach and Corona Rakshak Health Insurance


HIV/AIDS results in the immune system of the sufferer’s body compromising. The viral disease is fatal and incurable, but one can manage it with treatments. Since it requires constant monitoring, medical tests and other treatments, it proves to be an expensive deal. However, SBI Arogya Supreme and other health insurance add-ons can help you. 

Heart Disease

Another life-threatening condition, heart disease, results from the cardiovascular system failing to function correctly. Treatment involves surgeries and long-term care. SBI’s Critical illness insurance policy, senior citizen health insurance plan, Arogya Plus, and its retail plan cover these expenses.

Mental Illnesses

Mental disorders can be as debilitating, if not more, as physical maladies as it adversely affects one’s functioning, mood, cognition, behaviour and memory. SBI’s comprehensive health insurance plan, SBI Arogya Supreme, covers hospitalisation expenses for mental illness treatment if diagnosed during the policy term. 


Usually an age-related condition, a cataract affects the eye’s natural lens and can cloud one’s vision. It can lead to blindness and requires surgery to correct it. SBI’s Arogya Supreme and Arogya Sanjeevani policies cover the surgery costs. Compare the two health insurance plans and choose the one that suits your needs. 

Read more - Is Cataract Surgery Covered In Health Insurance?

Genetic Disorders

Genetic conditions are hereditary, resulting from an abnormality in the DNA, and expensive to treat. Almost all SBI policies cover these, including family floater health insurance plans and Arogya Supreme. 

Congenital Conditions

Like genetic disorders, congenital diseases are present right from birth and usually require long-term treatment, therapies and surgeries, which can get expensive. SBI health insurance covers the treatment cost for the internal congenital disease under almost every policy if diagnosed during the term. 


Many illnesses — acute or chronic — can get you off-track from your financial goals. SBI General Insurance’s health insurance supports you during such times with several plans that cover critical illnesses such as cancer, renal failure, paralysis and more; congenital and genetic disorders; heart disease; mental healthcare and so on. Read the policy wordings for exclusions, sum insured, premium amount and waiting period before choosing the suitable one. 

Read more-


1. How does the SBI Critical Illness Policy work?

Since a regular policy may not be adequate while covering critical illnesses, you can contemplate buying the critical illness policy of SBI. This. SBI policy covers 13 major critical ailments with 1-year to 3 years tenure plans. It offers a sum insured from a minimum of INR 2 lakh up to INR 50 lakh — the health insurance company pays out a lump sum amount irrespective of the actual medical expenses. 

2. What are the other health insurance benefits of the comprehensive Supreme Arogya Policy?

Supreme Arogya provides 20 basic covers and eight riders. Its exclusive covers include domestic air ambulance charges, recovery benefit, e-opinion cover and compassionate benefit. Those under 45 years and insuring below INR 50 lakhs do not require pre-policy medical check-ups. The policy has a flexi-benefit option of co-payment to the policyholder. 

3. Can one opt for an online SBI health insurance policy?

Yes, you can apply for the policy online. It’s quick, easy and gives you access to your policy. You may also avail of multiple premium savings options such as online, long-term policy, loyalty, and family discounts.

4. What are the exclusions of SBI health insurance policies?

Exclusions vary for each policy depending on the type of health insurance you opt for. In general, policies do not provide coverage for the following: 

  • Pre-existing diseases — though some may provide after a specific waiting period in health insurance
  • Regular investigation and evaluation
  • Rehabilitation and respite or enforced bed rest without hospitalisation
  • Plastic or cosmetic surgery unless medically necessary and urgent
  • Self-harm
  • Alcohol or substance abuse
  • Gender reassignment procedures
  • Adventure sports
  • Dental, visual or hearing correction

There are many more exclusions, so do read the policy wordings carefully. 

5. What’s SBI General’s Loan Insurance Policy?

Suppose you have taken a loan but cannot repay it due to untoward and unexpected reasons such as an illness, personal accident or alike. In that case, this policy helps you meet the loan payment and remain financially secure. 

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