SBI Health Insurance

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If you want health insurance coverage for your loved one, then SBI health insurance plans are the right fit for you. SBI is one of the most progressive and reliable health insurance companies in the country. The insurance carrier offers a wide range of medical plans for individuals and employees of various industries and companies. 

SBI General Co. Ltd. is a partnership between the SBI (State Bank of India) as well as other major investors. Whereas the SBI holds 70 per cent of the overall capital, Napean Opportunities LLP owns 16.01 per cent, Honey Wheat Investment Limited owns 9.99 per cent, PI Opportunities Fund-1 owns 2.35 per cent, while New Opportunities AIF-I by Axis owns 1.65 per cent.

With over 24,700 State Bank of India branches, SBI General Insurance Co. has built a foothold across the nation. The business has over 10.19 crore satisfied clients and has acquired ICRA's iAAA certification for its outstanding claim-paying skills. SBI General Insurance Co was also named 'Insurer of the Year by the renowned FICCI Insurance Industry Award in both 2020 and 2021.

SBI health insurance programs cover in-patient hospitalisation charges, pre and post-hospitalization fees, day-care therapies, and a variety of additional medical costs. SBI medical insurance products for older adults, individual policies, family floater policies, and top-up options with adjustable policy premium terms are available.

SBI Health Insurance is the ideal choice for individuals, families and small businesses to insure themselves against catastrophic cases such as illness, injury or death. SBI plans are suitable for senior citizens and individual plans are designed especially with affordability in mind.

This page will go over SBI health insurance policy details.

SBI Health Insurance Key Highlights

CoverageIn-patient hospitalisation, pre-hospitalisation, post-hospitalisation, day care treatment, organ donor expenses
Network Hospitals6000+ medical facilities
Customers10.19 crore

Why Should You Buy an SBI Health Insurance Policy?

SBI General provides a variety of health insurance products to meet the needs of its clients.   The nation's consumers demand health insurance coverage, and the company is dedicated to providing them with total peace of mind via its health insurance solutions. The organisation wishes to establish a close relationship with its consumers by providing authentic and high-quality healthcare services.

You can rely on SBI health insurance to provide you with affordable health insurance in India. They provide a comprehensive range of health plans that are affordable and tailored to fit your individual needs. By offering flexible premium rates, comprehensive coverage and a comprehensive network of doctors, hospitals and diagnostic centres, the company aims to make it easier for you to access quality healthcare services whenever you need them.

If you are still not convinced, the following is a summary of the characteristics of SBI health insurance policies:

  1. Comprehensive health insurance coverage
  2. 6000+ network hospitals
  3. Affordable premium rates
  4. AYUSH treatment cover
  5. Free medical check-ups are offered

Choose from a Wide Range of Multiple SBI Health Insurance Plans

SBI Health Insurance Policy Details

SBI is pleased to bring you a variety of health insurance plans that helps the company provide the highest standards of care while keeping your costs as affordable as possible. In order to help you along this journey, we've put together a list of different plans that SBI General offers:

1. Arogya Supreme Policy

Arogya Supreme health insurance is a one-stop store for all of your medical requirements. It provides 20 base covers as well as 8 extra covers, removing the need for you to stress about healthcare treatments and expenditures. Arogya Supreme provides high-quality health care plans at a moderate cost, offering you a sense of security in the event of an unexpected life event.


  • Pro Silver Plan

This is the base Arogya Supreme Policy. This offers a sum insured of up to INR 5,00,000.


  • In-patient hospitalisation
  • Advance Procedures
  • Pre-hospitalisation Coverage (30 days)
  • Post-hospitalisation Coverage (60 days)
  • Daycare Cover
  • AYUSH Cover
  • Recovery Benefit (INR 5000 per hospitalisation)
  • Refill of Sum Insured
  • E-Opinion (up to 4 visits)

Renewal Cover:

  • Preventive Medical Check-up
  • Cumulative Bonus
  • Plus Gold Plan

This plan offers a slight upgrade over the silver plan. It offers a coverage amount ranging from INR 6 lakh to 20 lakhs.


  • In-patient hospitalisation
  • Advance Procedures
  • Pre-hospitalisation Coverage (60 days)
  • Post-hospitalisation Coverage (90 days)
  • Daycare Cover
  • AYUSH Cover
  • Recovery Benefit (INR 10000 per hospitalisation)
  • Refill of Sum Insured
  • E-Opinion (up to 4 visits)
  • Domestic Emergency Assistance Service (includes Emergency Air Ambulance) (up to INR 5 lakh)
  • Compassionate Visit

Renewal Cover:

  • Preventive Medical Check-up
  • Cumulative Bonus
  • Premium Platinum Plan

The premium plan offers comprehensive coverage under the Arogya Supreme plan. It offers a coverage amount ranging from INR 25 lakhs to INR 50 lakhs.


  • In-patient hospitalisation
  • Advance Procedures
  • Pre-hospitalisation Coverage (60 days)
  • Post-hospitalisation Coverage (180 days)
  • Daycare Cover
  • AYUSH Cover
  • Recovery Benefit (INR 10000 per hospitalisation)
  • Refill of Sum Insured
  • E-Opinion (unlimited)
  • Domestic Emergency Assistance Service (includes Emergency Air Ambulance) (up to INR 10 lakh)
  • Compassionate Visit

Renewal Cover:

  • Preventive Medical Check-up
  • Cumulative Bonus

Apart from these, Arogya Supreme Policies offers these optional benefits:

Optional Coverage:

  • Room Upgrade
  • Co-Payment
  • NCB Protector
  • Enhanced Cumulative Bonus
  • Additional Sum Insured (Accidental Hospitalisation)
  • Major Illness Benefit
  • Hospital Cash Benefit.

2. Arogya Premier Policy

SBI takes care of all your insurance gaps, providing you comprehensive coverage while keeping your total expenses down. The Arogya Premier policy is specially tailored to offer a wide range of coverage to your loved ones at an affordable price range. The coverage amount ranges from INR 10 lakhs to 30 lakhs


  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Day Care Treatments
  • Ambulance Expenses (includes Air Ambulance) (up to INR 1 lakh)
  • Organ Donor Expenses
  • Alternative Treatments
  • Domiciliary Hospitalisation
  • Health Check-ups
  • Maternity Expenses
  • Cumulative Bonus
  • Sum Insured Reinstatement
  • HIV or AIDS Cover
  • Generic Disorders
  • Mental Illness
  • Advanced Treatments
  • Internal Congenital Diseases

3. Arogya Top-up Policy

Because of escalating medical expenditures, many Indians now seek out-of-hospital healthcare, leaving them with an empty wallet when receiving treatment elsewhere. This is precisely why top-up health insurance is so important. For SBI top-up health insurance, you can get extra medical insurance coverage if your single claim surpasses your deductible amount.

Arogya Top-up Policy offers a sum insured ranging from INR 1 lakh to 50 lakh with the deductible amount ranging from INR 1 lakh to 10 lakh.


  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Day Care Treatment
  • Ambulance Expenses (up to INR 5000)
  • AYUSH Treatment
  • Domiciliary Hospitalisation Charges
  • Maternity Expenses after 9 months
  • Organ Donor Expenses
  • HIV or AIDS Treatment
  • Mental Illness Coverage (a limit of INR 1 lakh is applicable for some conditions)
  • Mental Illness Inpatient Treatment Coverage (a limit of INR 1 lakh is applicable for some conditions)
  • Internal Congenital Diseases
  • Advanced Treatments.

4. Critical Illness Insurance Policy

As a person and a professional, we face major uncertainties in life. We don’t know when or which critical illness may befall us one day, and therefore it is prudent that we take this protection for granted. With SBI General's Critical Illness Insurance Plan, you are guaranteed coverage for 13 major critical diseases. The maximum benefit offered by this policy is INR 10 lakh. This provides you with cash protection against these eventualities regardless of your real medical bills. With peace of mind, you can concentrate on the most essential thing - your health! 

Covered Illness:

  • Specified Severity Cancer
  • Aorta Graft Surgery
  • Permanent Symptoms resulting from Stroke
  • Regular Dialysis due to Kidney Failure
  • Major Organ or Bone Marrow Transplant
  • Specified Severity Cancer
  • Permanent Limb Paralysis
  • Total Blindness
  • Multiple Sclerosis along with Persisting Symptoms
  • Pulmonary Primary Arterial Hypertension
  • Specified Severity First Heart Attack
  • Open Heart Replacement or Heart Valves Repair
  • Open Chest CABG.

5. Arogya Sanjeevani Policy

As the cost of treatment and services increases day by day, it becomes harder for us to meet our medical requirements. This is where Arogya Sanjeevani Policy comes into play. If you have any serious illness or planned medical procedure, this policy can help cover the costs of your hospitalization and treatment. It is a comprehensive program that helps you manage your healthcare expenses by providing reimbursement in the event of hospitalization.

This policy has a sum insured amount ranging from INR 50,000 to INR 10 lakh.


  • In-patient hospitalisation
  • Pre-hospitalisation (30 days)
  • Post-hospitalisation (60 days)
  • AYUSH Treatment
  • Advanced Procedures.

6. Arogya Plus Policy

With a flat premium rate, the Arogya Plus Policy provides financial protection against escalating medical expenditures. In addition, the policy provides patients with life-saving support, coverage for OPD expenses and advanced treatment for multiple sicknesses, and cashless hospitalisation assistance. With the Arogya Plus Plan, you can concentrate on getting the finest treatment available so that you may get back to your normal activities as soon as possible.


  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • OPD Treatment
  • Day Care Treatment
  • Ambulance Cover (up to a limit of INR 1500)
  • AYUSH Treatment
  • Domiciliary Treatment
  • Maternity Expenses.

7. Retail Health Insurance Policy

SBI General’s Retail Health Insurance Policy lets you focus on what matters most. You get affordable healthcare coverage, peace of mind and security at an affordable price. It covers a wide array of expenses like doctor visits, treatment, hospitalisation, child care, parent care, advanced treatment and psychotherapy.


  • In-patient hospitalisation
  • Pre-hospitalisation (30 days)
  • Post-hospitalisation (60 days)
  • Ambulance Expenses
  • Free Healthcare Check-up
  • Parental Care
  • Child Care
  • Cataract Treatment
  • Accidental Hospitalisation
  • AYUSH Treatment
  • Domiciliary Treatment
  • Convalescence Benefit
  • Day Surgery
  • Co-Pay
  • Cumulative Benefit
  • HIV or AIDS Cover
  • Mental Illness
  • Genetic Illness
  • Internal Congenital Diseases
  • Advanced Treatment Procedures.

8. Hospital Daily Cash Insurance Policy

SBI General Hospital Daily Cash Insurance Policy provides you with the right cover in case of hospitalization. Regardless of the real medical expense, you can maintain a set payment for every day of hospitalisation. It, therefore, offers you extra protection and covers any additional expenditures incurred during your hospital stay.


  • Hospitalisation Daily Cash Benefit
  • Accidental Injury Hospitalisation Benefit
  • ICU Hospitalisation Benefit
  • 10 Consecutive Day Hospitalisation Cover

The first thing that you will notice about the SBI health insurance policy is that it offers a good balance between health benefits, low premiums and great customer service. What's more, you will find that the various health insurance plans offered by SBI include all the pros of a traditional health insurance policy along with some additional ones. So, let's look at some of these advantages one by one.

SBI Health Insurance Benefits

It's no secret that the cost of health care is increasing rapidly year on year. In fact, it has become very expensive in recent years. There are several factors that contribute to the rising cost of health care including the increase in health insurance premiums and the ageing population. But one thing is certain – you need to protect yourself by ensuring that you have good health coverage so that you don’t end up spending a lot on your hospital bills.

These are the benefits offered by SBI General that make it one of the most trusted health insurance providers in the nation.

1. Peace of Mind

When you are sick, you don't want to think about the cost of your care. You just want to get well. Buying health insurance provides you peace of mind because it gives you quality medical care from your medical provider. 

Health insurance is a comprehensive policy that helps you cover medical expenses incurred due to hospitalisation, injury or sickness. Buying health insurance for your family makes them financially independent and ensures that they don't have to worry about the cost of unforeseen emergency care. Getting health insurance does not mean that you won't get sick but it does mean you won’t have thousands of rupees of medical bills to pay. You can go out and enjoy your life knowing that if something happens, you will still be covered by this vital piece of protection.

2. High Sum Insured

SBI ranks among India's leading health insurance companies. It provides a choice of medical insurance policies starting at INR 1 lakh and going up to a limit of 50 lakh, giving you the freedom to pick your chosen sum insured as the policyholder.

3. Family Floater Plans

Imagine living without worrying about the medical treatment for yourself or your loved ones. It's a nightmare if someone you love gets injured and needs to be treated immediately. Life would be a constant struggle of travelling from hospital to hospital and trying to get the best medical attention possible. Now, you don't have to worry about those things anymore as family floater health insurance policies from SBI General will cover every member of your family under one policy.

At SBI Arogya Supreme, we understand the importance of a healthy lifestyle and preventive healthcare from your birth to your last day. While many insurance companies are offering medical plans that only focus on medical aspects such as hospitalization and diagnostic tests, we believe in a holistic approach for a healthy life with regular check-ups, compassionate visits, e-opinion and domestic emergency assistance services. At SBI Arogya Sanjeevani Policy, you get an entire package with comprehensive healthcare services that offer you and your family a financial safety net in case something awful happens.

4. Preventive Care

Preventive care is important in your health insurance plan. If you have a health insurance plan that includes preventive care for free, then it's likely that your doctor will be able to save you from getting a critical illness or something that can cost you a lot of money.

When no claims are filed, SBI Arogya Supreme, SBI Arogya Premier, and SBI Retail health insurance policies provide free health check-ups on a regular basis. This allows you to actively monitor your health conditions and pinpoint any problems as soon as they arise, allowing you to obtain prompt treatment.

5. Cashless Facility

One of the essential benefits of getting an insurance policy with SBI General is the cashless facility that comes as a benefit to health insurance plans. SBI has network tie-ups with 6000+ hospitals across the nation. The cashless facility for hospitalisation helps to bring down the amount you need to pay upfront to receive the medical treatment necessary.

This extensive hospital network is included as a bonus with medical insurance policies, allowing policyholders to be hospitalised in any SBI General network hospital. The insurance company reimburses the hospital straight up to the amount covered. This advantage can be life-saving and ensure that the medical cost does not get in the way of treatment.

6. AYUSH Coverage

SBI health insurance, one of the best health insurance schemes in India, has now expanded its coverage to cover alternative medically-related treatments. This gives policyholders greater freedom and alternatives in regards to the type of medical care they wish to get based on their preferences, without jeopardising their financial situation.

7. Tax Benefits

When it comes to your tax planning and personal budget, Section 80D of the Income Tax Act is a crucial tool to have in your taxable income. It allows you to deduct expenses connected with paying insurance premiums and maintaining insurance coverage on an annual basis.

Claim Settlement Ratio of SBI Health Insurance

An insurance firm's claim settlement ratio is the proportion of claims settled divided by the total insurance claim number submitted. When a health insurance policyholder is hospitalized and a medical insurance claim is filed, the insurance companies must adhere to specific criteria and conditions prior to actually settling the claim. Some claims are denied because they do not fulfil specific policy conditions. This claim settlement ratio may be used to decide whether or not a particular insurance provider is appropriate for you.

Health insurance coverage is a significant investment. To take advantage of the policy's advantages, you must pay a large number of premium amounts over a lengthy period of time. So, if your health insurance claim is denied for any reason down the road, it might drastically jeopardise your financial strategy. The claim settlement ratio can be a fairly accurate measuring indicator that may tell you whether or not an insurer is trustworthy. A high ratio suggests that the insurance provider is a good fit for you.

SBI General Insurance Company Limited is one of the largest health insurance companies in India. It’s headquartered in Mumbai, with branches all over the country. The company is known for offering insurance products to its customers at a great price and with a commitment to customer support and claims handling.

The firm has an insurance claim settlement rate of 97.84 per cent in less than three months and 1.34 per cent in three to six months. This clarifies why SBI is regarded as one of the market's fastest claim-settling insurance companies.

How to Buy SBI Health Insurance Online at Paytm Insurance?

When you are looking to buy health insurance, one of the hardest things to find is a good deal. But it doesn't have to be this way. With Paytm's online insurance comparison tool, you can compare plans quickly and easily and find the best deal on SBI healthcare at a low premium cost.

Here is a step-by-step breakdown of the procedure of buying SBI health insurance from Paytm:

  1. To start off the process, you need to visit the Paytm Insurance website.
  2. From the home page, you have to click on ‘Health Insurance’ on the menu.
  3. Next, you will be provided with a list of insurance providers, and you need to click on your preferred one. A new page will open.
  4. On the new page, you will be prompted with a short questionnaire which you need to duly fill out and submit.
  5. Next, you have to provide your current pin code and age.
  6. Once you click on ‘Get Quotes’, you will be offered a list of medical insurance plans to choose from.
  7. Click on your preferred insurance plan and buy it online via Paytm Insurance.

List of Documents Required to Buy SBI Health Insurance Online

Whenever you decide to buy a health insurance plan for yourself or your family, you need to present some documentation in order to confirm your credentials. This list will offer a rundown of the basic paperwork needed when buying SBI health insurance offline or online:

  • Proof of Age:
    • Birth Certificate
    • Voter Card
    • Passport
    • PAN Card
    • Driving Licence
  • Proof of Address
    • Bank Account Statement
    • Recent Utility Bill
    • Voter Card
    • Passport
    • Ration Card
  • Proof of Identity
    • Aadhaar Card
    • Driving Licence
    • Driving Licence
    • Voter Card
    • Passport
    • PAN Card
  • Proof of Income (if required)
    • Bank account statement
    • Recent salary stubs
  • Duly filled application form
  • Recent medical reports
  • Passport-sized photographs

Note: When registering for a health insurance plan, the insurance company may seek additional verification documents.

How to Renew SBI Health Insurance Online?

To provide continuing coverage, policies must be renewed. SBI insurance plans may be renewed in two major ways: using Paytm insurance or via the company's official website using the SBI health insurance login. Both techniques are discussed in further detail below:

Via SBI Website:

  1. Go to the SBI General Insurance webpage.
  2. Select ‘Renew’ from the page-top menu.
  3. Next, you need to choose health insurance from the available insurance products and select your insurance plan.
  4. On the next page, you need to input your check your provided policy type and input your policy number to get a quotation for your policy renewal.
  5. You can pay the amount to get your health insurance renewed.

How to File a Claim with SBI Health Insurance Online?

There are mainly two health insurance claim types: reimbursement claims and cashless claims.

The former requires you to pay the medical bill upfront and then file a claim for a refund. This method is primarily used if there is no nearby network hospital or the insured requires emergency healthcare. On the other hand, the latter helps you receive treatments without spending anything from your pocket. All you need to do is to file a claim with all the required documents to your insurance provider and they will settle the bill directly with the medical facility to which you are admitted. However, this requires you to be admitted to a hospital or any other medical facility directly under the network of your insurance provider. Luckily, SBI General boasts a hospital network of 6000+ facilities.

The following is a generic claim filing process of SBI health insurance:

  1. Visit the official SBI General portal.
  2. Click on ‘Claim’ on the page-top menu.
  3. Select ‘Claim Intimation’.
  4. Fill up the short questionnaire and submit it.
  5. You will be contacted shortly by a representative of SBI health insurance, who will guide you through the process of claim filing.

You can also contact the company directly by texting ‘CLAIM’ to 561612, calling their toll-free hotline number 1800 102 1111 or emailing them your policy details at

Let's take a closer look at the two separate insurance claim filing techniques.

SBI Cashless Health Insurance Claim Process

If you have recently been diagnosed with a health-related condition, there's no better way to go about it than by choosing one of the many SBI health insurance partner hospitals in India. This is where you can save a lot of money and get the best possible medical care without having to worry about any other financial obligations. In other words, the insurance company pays the hospital outright for the medical expenditures. An insurance firm's hospital network may be accessed on its official website.

There are several financial advantages and benefits to filing cashless medical insurance claims. The most exciting aspect of the entire procedure is that in the event of an emergency, insurers may obtain medical treatment without worrying about money by being moved to any partner medical institution or hospital.

The following is a step-by-step breakdown of the cashless claim filing of SBI health insurance:

  1. Present a pre-authorization application, along with your insurance documents and proof of identity, at the time of admission to the hospital TPA.
  2. The network hospital TPA will send your pre-authorization papers and medical proof to SBI medical insurance.
  3. After your claim request has been processed, you will receive preliminary approval, and your cashless treatment will begin.
  4. The TPA will send your ultimate billing and discharge statement to your insurance carrier on the day of release.
  5. The insurance TPA grants final approval for the whole bill amount after a complete evaluation of your claims processing.
  6. Some expenses may not be paid by your insurer until SBI General gives final permission. These must be settled for at your medical facility.

List of Documents Required for SBI Health Insurance Cashless Claim

You need to provide these documents when you are filing your cashless health insurance claim:

  1. KYC documents for the policyholder and the insured, including proof of age.
  2. The policy paperwork or healthcare card issued by the insurance provider.
  3. A doctor's suggestion for admission.
  4. Any pre-hospitalization diagnosis report.
  5. Any other documentation that may be necessary at the time of hospital admission.

The hospital will manage the rest of the paperwork processing, so you don't have to be concerned about it.

What is the Reimbursement Claim of SBI Health Insurance?

A reimbursement claim needs you to settle your hospital bills upfront and then submit a refund claim with your insurance provider. When you file your reimbursement claim, you need to add your medical bill and hospitalisation invoices, and other relevant supporting details. Once your insurance provider reviews and approves your claim, it will send the amount directly to your bank account.

The best aspect about a reimbursement medical insurance claim is that you'll always get your money back assuming that you have filed all relevant information and medical documents and the claimed cause is authorized under your policy, regardless of where you obtain your medical care. If a network hospital is not nearby, the best option is to file a reimbursement medical insurance claim.

The following is a step-by-step procedure for filing a reimbursement claim:

  1. Using the SBI medical insurance login, download the claims application from the insurance company's website and collect all relevant bills and health treatment papers.
  2. Send the necessary documentation to the SBI office in your area for claim processing.
  3. After your medical insurance claim is validated, the reimbursement amount is sent to the provided bank account you chose.

List of Documents Required for SBI Health Insurance Reimbursement Claim

You need to provide these documents when you are filing your reimbursement health insurance claim:

  1. Policyholder’s bank account details.
  2. Health insurance policy paperwork along with KYC documents.
  3. Treatment data and discharge report.
  4. Attending physician’s prescription recommending hospitalisation.
  5. Diagnostic reports and tests
  6. Original bills and receipts.

How to Calculate SBI Health Insurance Premium?

Premium amount is one of the most important factors in deciding on an insurance plan. It helps you to choose the right insurance plan that suits your budget and requirement. There are different types of insurance plans available in the market, and they vary in terms of the premium amount. So, it is very important to determine what type of insurance plan will be ideal for you or your family.

The SBI General Health Plan Savings Calculator is designed to help you determine if it's affordable to get a health insurance plan with SBI General. This calculator is built-in and will only work if you use the "Get a quick quote" service. If you're not sure how much it would cost in premiums, we recommend starting with a quote from here or connecting with an insurance expert via the company’s ‘Talk to experts’ service.

SBI Health Insurance Tax Benefits

Income Tax Act Section 80D offers the policyholder a tax break worth of the premiums he had paid towards health insurance. This tax deduction is allowed up to a limit of INR 25,000 for people under the age of 60 years, and for senior citizens, the limit is extended up to INR 50,000. So, if you are under the age of 60 years but you have someone above the age of 60 years in your family floater plan, you will be eligible for a tax break of INR 75,000. In the same way, if you are a senior citizen and you have another citizen (say your parents) in your plan, you will be eligible for a tax deduction of INR 1,00,000.

Premium paid forTax Deduction Under Section 80D
< 60 years>= 60 years
Self, spouse and dependent childrenINR 25,000INR 50,000
Dependent parentsINR 25,000INR 50,000
Total tax deduction 80DINR 5,0000INR 1,00,000

What is Covered Under SBI Health Insurance Plans?

The best part about SBI Health Insurance is that it caters to the need of every individual. It has a wide array of plan options and coverages, which means you can choose the right one according to your lifestyle needs. Here are the common inclusions of SBI health insurance policies:

  • In-patient hospitalisation:

Under this coverage, SBI General will handle any healthcare expenses incurred when the insured is transferred to a hospital or any other medical facility for an ailment for a period of more than a day, i.e. 24 hours. This covers the cost of housing, a doctor's appointment, diagnostic tests, oxygen, blood, and medications, among other things.

  • Post-hospitalisation Coverage:

Under this coverage, SBI General health insurance policies will handle any medical expenses spent within a certain number of days following the patient's release that is related to the therapy of the applicable illness or disease.

  • Pre-hospitalisation Coverage:

Under this coverage, SBI General will pay for any medical expenses linked to the treatment of the relevant disease that was incurred within a certain number of days prior to the actual hospitalisation.

  • Day-care Cover:

It covers any medical costs incurred by any insured individual as a result of childcare operations. A daycare therapy or operation is a successful therapy that only requires a 24-hour stay in the hospital.

  • AYUSH Cover:

In-patient hospitalisation treatment using traditional Indian therapy including Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy is referred to as AYUSH therapy. These ancient health and wellness remedies are both inexpensive and effective. SBI offers health insurance with AYUSH coverage at affordable prices.

What is not Covered Under SBI Health Insurance Plans?

The SBI health insurance plan is one of the best in terms of benefits and facilities. However, if you wish to avail of these facilities you need to be aware that there are certain exclusions which are specified under insurance plans. These are situations in which the policyholder or the insured are unable to file a claim. Allow us to go through some of these exceptions with you so you can make an informed decision.

  1. Waiting Period Illness
  2. Investigation and Evaluation without Treatment
  3. Rest, rehabilitation & respite treatment
  4. Cosmetic or plastic surgeries
  5. Maternity complications
  6. Self-inflected injuries
  7. Injuries due to substance abuse or alcoholism
  8. Gender change treatment
  9. Adventure sports
  10. Dental, hearing and vision correction expenses (which are not included in the policy)

SBI Health Insurance Network Hospitals

Network hospitals are simply medical institutions that have current contracts with your insurance provider to offer cashless care for their patients.

If you have health insurance, you will not have to spend anything out of your wallet to get medical treatment at a partnered medical institution or hospital. The nice thing about these facilities is that you'll receive treatment of the highest quality, which helps the entire process less stressful.

SBI General Insurance Company Limited boasts a huge network of hospitals across India. Use these services to get the best healthcare at no cost to you.

You can find your nearby SBI general network hospitals here.

SBI Health Insurance Reviews

The SBI General Insurance Company Limited is a leading health insurance provider in India. The company boasts of a huge network of hospitals across the nation, which makes it easy for you to find the best healthcare facility where you want your loved one to be treated. With affordable premium rates and a range of customisable plans that cover diverse illnesses, you can rest easy knowing that you and your family will always have access to the best medical care.

With the increasing popularity of their health insurance plans, SBI General Insurance Company Limited has come up with several plans that are designed to deliver optimum healthcare services to you. With multiple partnered hospitals across India and thousands of doctors, you can be sure that your preferred hospital will be within reach. The best part is that you can avail of all these services at affordable premium rates.

How to Contact SBI Health Insurance Company?

Phone Number

Hotline 1: 1800 102 1111 (available from 8 am to 8 pm)
Hotline 2: 1800 210 6366 (available 24/7)

Health Insurance Hotline: 1800 210 3366

Hotline for Agents: 1800 22 1111 (available from 8 am to 8 pm)


SBI General Insurance Company Ltd.

9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai 400099

SBI Health Insurance FAQs

  • 1. What papers must I provide to apply for SBI medical insurance?

    In order to register for an SBI health insurance plan, you have to send the completed application form together with proof of age, identification, income, residence, and current medical reports.

  • 2. How can I purchase SBI health insurance policies?

    You may get SBI Medical Insurance by visiting their official website and following their application procedure, or by visiting Paytm Insurance and browsing through different insurance plans currently offered to you and applying for the one that best meets your requirements

  • 3. How do I find the nearest SBI General network hospital?

    A network hospital is one with whom the insurance has an agreement to submit a cashless claim. You may get a summary of all the partnered hospitals in the SBI General network by clicking here. You may then choose the one that is closest to you.

  • 4. How can I get in touch with SBI health insurance?

    In order to get in touch with SBI health insurance, you can call their toll-free number at 1800 210 3366 or email them at

  • 5. Can I check the progress of my SBI medical insurance claim?

    Yes. You must go to the company's online website and navigate to the claims area. You can then enter your insurance claim reference number to acquire the latest insurance claim progress.

  • 6. Which relatives are authorized for SBI family medical insurance coverage?

    Self, spouse, kids, dependent parents, grandparents, brothers, sisters, dependent parents-in-law, as well as any other relation with a valid insurable interest, are all authorized to be covered under an SBI family health insurance policy.

  • 7. Is there a special plan for children available with SBI health insurance?

    No, SBI General does not offer a distinct health insurance policy for children; nevertheless, children are covered under its family policy.

  • 8. Is SBI health insurance providing free yearly medical exams?

    Yes, SBI provides a free health test every year that turns out to be claim-free for insureds aged 18 and above.

  • 9. Is pre- and post-hospitalization coverage included in the SBI Arogya Supreme Health Insurance policy?

    Yes, SBI Arogya Supreme health insurance covers the following pre- and post-hospitalization expenses:

    Health Insurance PlanPre-Hospitalisation CoveragePost-Hospitalisation Coverage
    SBI Pro (Silver) Arogya Supreme Plan30 days 60 days
    SBI Plus (Gold) Arogya Supreme Plan60 days90 days
    SBI Premium (Platinum) Arogya Supreme Plan60 days180 days
  • 10. Does SBI General offer critical illness coverage?

    Yes. SBI Critical Illness plans offer coverage against 13 different critical diseases, including specified severity cancer, aorta graft surgery and permanent symptoms resulting from stroke. The plan offers to benefit up to a limit of 10 lakhs.

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