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Individual Health Policy
Family Health Policy
Pay Premium for Only 3 Lacs & Get Cover for 6 Lakhs !!

About SBI General Health Insurance

sbi health insurance SBI General Health Policies are designed to meet the needs of individuals and families. This type of SBI health policy offers comprehensive coverage that includes, expenses during hospitalization, pre and post hospitalization and day care procedures. The plan also covers domiciliary hospitalization and ambulance charges.

Health Insurance Policy Types

Senior Citizen

Senior citizen health insurance plans help elderly people avail the best available treatments without burning a whole in their pockets.

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Critical Illness

The critical illness policy saves a person without much savings in time of being diagnosed with a listed critical disease.

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Family Floater

You don't have to buy seperate health plans for each member of the family and pay more premium if you have a family floater health insurance plan.

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Individual health onsurance plans come with a wide range of Sum Insured to meet the needs of all types of people.

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Group Mediclaim Policy

This type of health insurance plans help improve productivity of employees of a particular company.

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SBI General’s Critical Illness Insurance Policy offers coverage and pays out a a fixed sum on diagnosis of thirteen critical illnesses.

SBI General Group Health Insurance Policy is designed for both individual and family and provides comprehensive coverage against a range of medical expenses.

SBI General Hospital Daily Cash Insurance Policy provides fixed sum for each day of hospitalization including ICU hospitalization regardless of the actual expenses.

Top Policies

SBI General Private Car Insurance Policy covers the mandatory Third Party Liability and also damage or loss to the vehicle of the policyholders.

SBI General Private Two-wheeler Insurance Policy covers the mandatory Third Party Liability and also damage or loss to the two-wheeler of the policyholders.

SBI General Travel Insurance policy provides comprehensive cover to individuals, families and business people during their holiday or official trips to foreign countries.

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The SBI Health Insurance policy is a one of a kind policy that gives the best of all the worlds. It gives a wide range of coverage and benefits along with their specified limits and sub limits so that SBI can stay as a huge help to the benefactors of the policy through all the needs of financial dependency.

This SBI Health Insurance policy can be offered in two ways- Family Floater and Individual.

  • The SBI Health Insurance policy offers Up to 1% of the total sum insured per day to cover Medical Treatment which includes the room, nursing expenses
  • The SBI Health Insurance policy offers Up to 2% of the total sum insured per day to cover medical treatment expenses in the ICU
  • The SBI Health Insurance policy offers Up to 40% of the total sum insured per claim to cover all the consultant and specialist fees; anesthesia, blood, oxygen, OT and surgical appliances charges
  • The SBI Health Insurance policy offers Up to 10% of the total sum insured to cover expenses incurred 30 days prior and 60 days post the hospitalization

To buy this policy, you can click on the link given below. The link will take you to a page where there will be a form. In this form you will have to fill up all the details that they ask for to get the policy done. After you fill up the form, you will have to upload the documents that they ask for. The scanned documents will be needed to get the policy ready.

There is an online chat option given at the site which will help you to ask any kind of query you have about the SBI Health Insurance policy to the executives of the company and they will be happy to help you with all the queries that you are having. Once they are solved, you can click on the link below to buy the policy. But keep in mind only one thing that if once you have entered a wrong attribute and it has been submitted, then the policy can be liable to be canceled.

  • The best feature of the whole policy is that there is no need for any medical test for the benefactor upto the age of 45 years (especially for the people who have no medical history)
  • There are also certain add-on covers given on the policy that includes the sub limits that are put on the room rent, ICU rent, Operation charges and consultancy charges of the hospital or nursing home.
  • It is also to note that the premium that is to be paid for the SBI Health Insurance policy is exempt from the payment of any Income Tax.
  • It is also a given by the insurers under the policy that there is a facility of free medical check up for every 4 claim free years for the benefactor. The only hitch is that, the limit to the check up is that of Rs.2,500.

Among the exclusions to the policy, it is found that any kind of pre diagnosed diseases or rather the pre existing diseases are excluded from the policy. Apart from that, any disease that is diagnosed or rather that is contracted in the first 30 days of the commencement of the policy is excluded from the policy. Hernia, hydrocele and related diseases are another set of diseases that are too treated after a waiting period of 1 year.

Along with these, cataract, hysterectomy etc are to be covered after a period of 2 years since the commencement of the policy which is known as the waiting period. Joint replacement surgery is to be covered after a period of 3 years (the only exclusion to this exclusion is if there is an accident). Any kind of treatment done to the benefactor through alternative medicines or medicines not prescribed by the doctor is excluded from the coverage of the policy. HIV AIDS and related diseases are not included in the policy too.

  • Maximum and minimum age to avail SBI health policy are 18years and 65 years
  • Parents can include children that are 3 months old in their family floater polcies
  • Available Sum Insured options for this SBI health policy are Rs. 50,000 and Rs. 5,00,000