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SBI Health Insurance Plans
Here is the list of SBI Health Insurance plans that provide comprehensive coverage and benefits to their policyholders:
| Plan Name | Key Features |
|---|---|
| Health Edge Insurance | Unlimited Refill (related & unrelated illnesses), Out-Patient Cover, Stay Fit Health Check-up, and Claims Safe-Guard |
| Arogya Sanjeevani Policy | AYUSH Treatment, Pre- & Post-Hospitalization, Day Care Expenses, and Cataract Treatment |
| Arogya Top-Up Policy | Day Care Expenses, Organ Donor, Maternity Expenses, and Ambulance Cover |
| Arogya Supreme Policy | Organ Donor Expenses, Recovery Benefit (lump sum during hospitalization), Hospital Cash Benefit, and No Claim Bonus Protector |
| Super Health Policy | Unlimited Refill, Claims Shield for Non-payable items, Health Multiplier for 37 serious illnesses, and Wellness Benefits |
| Super Top-Up Policy | Multiple Sum Insured (5 Lakhs to 4 Crores), Flexible Deductibles (annual or long-term), Radio Cab in case of medical help, and a Change in the Pre-Existing Waiting Period |
Health Insurance Plans By SBI
Riders Available with SBI Health Insurance Policy
Here is the list of riders available with the health insurance plans of SBISBI Hospital Daily Cash
This rider gives a fixed daily allowance for each day of hospitalization. The amount is doubled if you stay in the ICU. It is available with SBI Health Edge and SBI Arogya Supreme plans.
SBI Wellness Benefit
With this rider, you can enjoy wellness services like fitness coaching, diet consultation, unlimited gym membership, and even discounts on premium renewal. This add-on is available under SBI Health Edge and Super Health Insurance plans.
SBI Critical Illness Cover
This rider pays a lump sum if you are diagnosed with any of the listed critical illnesses, such as cancer or kidney failure. It is available for people aged 18 to 45 and comes with a 90-day waiting period. This can be purchased with SBI Health Edge Insurance plans.
SBI Women Care Benefit
Covers maternity expenses, including delivery, prenatal, postnatal care, and newborn treatment. There is a 4-year waiting period. This is available under SBI Health Edge Insurance.
SBI E-Opinion
This rider pays for medical opinions from the insurer’s panel of doctors for conditions diagnosed during the policy period. You can avail this add-on with SBI Health Edge Insurance plans.
SBI Major Illness Benefit
This add-on pays 100% of the sum insured up to Rs. 25 lakh if diagnosed with any of 30 major illnesses. It comes with a survival period of 30 days. This add-on is available in SBI Arogya Supreme plans.
SBI Unlimited Refill
SBI unlimited refill restores your sum insured up to 100%. It is available for unlimited times a year for both related and unrelated illnesses. You can find this add-on in SBI Health Edge Insurance plans.
SBI Co-Payment
It facilitates co-payment of 10% or 20% on all claims, as decided by the insured. This is available in SBI Health Edge, Super Health Insurance, and Arogya Supreme plans.
SBI Domestic Help / Staff Indemnity
This add-on covers medical expenses for your domestic staff, including hospitalization, day care, AYUSH treatment, emergency ambulance, and bariatric surgery. It is found in SBI Health Edge and Super Health Insurance plans.
SBI Additional Sum Insured for Accidental Hospitalization
It provides an extra sum insured up to 1.5 or 2 times if hospitalized due to an accident. Available in SBI Arogya Supreme and Super Health Insurance plans.
SBI Healing Benefit
You will get a lump sum amount if hospitalized for more than 5 consecutive days. It is available with SBI Health Edge Insurance plans.
SBI Outpatient (OPD) Cover
This add-on covers medical expenses from outpatient treatment, including doctor fees, diagnostics, and pharmacy costs. You can get this with SBI Health Edge Insurance plans.
SBI No Claim Bonus Protector
Protects your cumulative bonus even if you make a claim below Rs 50,000. It is available in SBI Arogya Supreme plans.
SBI Claims Safeguard
It covers non-medical expenses like gloves, syringes, cotton, and masks. It is available in SBI Health Edge Insurance plans.
SBI Enhanced Cumulative Bonus
This add-on increases your cumulative bonus by 25% or 50% up to a maximum of 200% if no claims are filed in the previous policy year. Anyone who has purchased SBI Arogya Supreme plans can avail this add-on.
Inclusion and Exclusion of SBI Health Insurance Policy
Here are some of the common inclusions and exclusions of the SBI health insurance plan:
Inclusion
Hospitalisation Expenses
Room rent, surgery, ICU, and doctor fees during hospital stays are covered.
Pre- and Post-Hospitalisation
Policyholder gets financial protection against tests, consultations, and treatments before and after hospitalisation.
Day-care Treatments
It covers procedures with less than 24 hours with no overnight stay.
AYUSH Treatments
It covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments at recognized centers.
Domiciliary Treatment
Medical care received at home under special conditions is considered.
Ambulance Charges
It covers emergency ambulance services to reach the hospital.
Lifelong Renewability
Lets you renew the policy for life, ensuring continuous coverage.
Organ Donor Expenses
It covers medical and surgical costs for an organ transplant if needed.
Exclusion
Self-inflicted Injuries
Injuries caused intentionally or from attempted suicide are not covered.
Cosmetic Surgeries
Cosmetic or plastic surgeries are not covered unless needed after an accident, burn, or cancer treatment.
Substance Abuse
Treatments caused by drug or alcohol abuse are not covered.
Experimental or Overseas Treatments
Costs for experimental treatments or treatments abroad are not covered unless the policy specifically allows it.
Adventure Sports Injuries
Injuries from activities like skiing, skydiving, or paragliding are excluded.
Sterility, Infertility & Gender Change
Treatments like IVF, infertility, sterility, or gender change procedures are not covered.
War-related Injuries
Injuries from wars, riots, or communal conflicts are excluded.
Breach of Law
Injuries caused while breaking the law, such as driving intoxicated, are not covered.
FAQs
An SBI Health Insurance Policy is a plan by SBI General Insurance that helps cover your medical expenses, including hospitalisation, surgeries, and other treatments.
Individuals, families, senior citizens, and frequent travelers can buy an SBI Health Insurance Plan to protect themselves from high medical costs.
You can visit the official SBI General Insurance website, choose a plan, fill in your details, upload documents, and pay online to get your policy instantly.
SBI Health Insurance Plans offer cashless treatment at 16,000+ network hospitals, high coverage up to Rs. 2 Crore, wellness benefits, and easy online renewals.
Yes, SBI Health Insurance Plans allow you to choose add-on riders like Hospital Daily Cash, Critical Illness Cover, or Women's Care Benefits to suit your needs.
You can file a claim online or offline by submitting the required documents to SBI General Insurance. Cashless treatment is available at network hospitals.