Compare SBI Health Insurance Plans. Compare online key features, advantages, reviews, and SBI Health Insurance plan details.

SBI General Insurance Company Limited

A combined undertaking between Insurance Australia Group (IAG) and the State Bank of India, SBI General Insurance Company Limited comes to you as an ISO 27001 certified company.

SBI General presents its customers with a health insurance plan that understands your financial needs in times of any medical crisis. This health insurance policy is flexible enough for every customer to define it as per their individual needs.

SBI makes buying a health insurance plan easier. With its multiple plan options that are flexible to provide its customers with more benefits, SBI General Insurances makes your expenses more manageable.

SBI understands that everyone has a varying level of control of their health. Hence, its health insurance policies are created keeping every individual’s need in consideration.

Features of the SBI General Insurance Health Insurance

SBI ensures the quality and happiness of its customers. Hence, its policies come with a number of features:

  • Wide Coverage – Choose the health insurance plan that suits you the most. The wide range of SBI General Insurance plans range from Rs. 50,000 – Rs. 5,00,000
  • No Medical Tests – For customers below the age of 45 years applying for the SBI Health Insurance plans, medical tests are not required in case of no medical history.
  • Family Benefits – Enjoy a hassle free medical insurance policy experience with SBI General Health Insurance Family Floater Plans. These plans cover all the family members under a single insurance plan.
  • Complementary Medical Check-Ups – For every four claim free years, customers are provided with a complementary health check-up worth Rs 2,500
  • Hospitalisation Expenses – SBI Health Insurance covers hospitalisation expenses incurred 30 days before (Pre-hospitalisation expenses) and 60 days after (post hospitalisation) the hospitalisation.
  • Easy Renewal – you can renew your Health Insurance Policies with SBI without any hindrances. Whether your policy is through SBI or any other Insurer, you can renew it with SBI General Insurance Health Insurance.

Flexible Health Insurance Plans

  • Metro Plan (Plan A)
  • Semi Metro Plan (Plan B)
  • Rest of India (Plan C)

Plan A allows you 100% of your admissible claim amount for any location in the country.

Plan B allows you to claim 100% of your admissible claim amount in Location B and C and up to 80% in Location A.

Plan C allows you a claim of up to 70% in Location A, 80% in Location B and 100% in Location C.

All above claims are subject to terms and conditions applied.

SBI General Insurance Health Insurance Coverage

The following expenses are covered under the SBI Health Insurance Plans:

  • Medical Treatment with Room, Service Charges, etc. – up to 1% of sum insured per day
  • Intensive Care Unit Medical treatment – 2% of sum insured per day
  • All admissible claims under the points above during the policy period – 25% of sum insured per illness per claim
  • Fees for Consultants and Specialists – 40% of sum insured per illness per claim
  • Anaesthesia, blood, oxygen, surgical appliances - 40% of sum insured per illness per claim
  • Pre hospitalisation – 10% of the eligible expenses incurred 30 days prior to hospitalisation
  • Post hospitalisation – 10% of eligible expenses incurred 60 days after hospitalisation
  • Ambulance charges – 1% of sum insured or Rs. 1,500, whichever is less.
  • Parental Care (for patients above sixty years of age) – Attendant nursing fees after release from the hospital for Rs. 500 or actual whichever is less per day up to a maximum of 10 days per hospitalisation. Reimbursement of charges can be made for a period not exceeding 15 days during the policy period.
  • Child Care (for children below ten years of age) – Attendant escort for Rs. 500 for each completed day in the hospital up to a maximum of 30 days during the entire policy period.
  • Cataract – The limit of cataract expenses is 15% of sum insured subject to a maximum of Rs. 25,000 per eye.
  • Accidental Hospitalisation – The amount of sum insured limit shall increase by 25% of balance sum insured subject to a maximum of Rs. 1 lac. It shall be payable only once under the policy per person.
  • Cashless Facility – Cashless medical treatment facility is available across all SBI General’s Network Hospitals.

Exclusions to SBI General Insurance Health Insurance

The following has been excluded from SBI Health Insurance Policy Plans:

  • Any ailment or injury or illness with which the customer has been diagnosed and received medical treatment prior to inception of first policy, until forty-eight consecutive months have passed, after the date of commencement of first policy with SBI
  • The policy shall exclude any disease contracted during the first 30 days of inception of the policy.
  • Certain listed diseases shall be included after 1year/2 years from the commencement of the policy.
  • Joint surgeries shall be included after three years from the commencement of the policy.
  • Alternative medicine treatment like naturopathy, acupuncture, acupressure, etc. has been excluded.
  • Expenses related to AIDS and related diseases have been excluded.
  • Expenses related to diseases caused by the abuse of drugs/alcohol have been excluded.
  • The policy excludes expenses related to congenital diseases.
  • Medical treatment expenses arising from or related to pregnancy and childbirth, like caesarian section, prenatal and postnatal care, have been excluded

Benefits of Opting SBI General Insurance

Apart from having a policy with a company as reputed as SBI, this health insurance plan provides you with the following benefits:

  • Plan as per your location – Now get health insurance plans as per your geographical location for a better medical treatment experience.
  • Policy renewal – You can renew your policy based on your needs. The policy amounts can be increased for persons aged above 60 years.
  • Additional benefits on accidents – Extra 25% is provided to you in case of any accidental treatment expenses.
  • Cumulative bonus – On no claims taken by the insured, a cumulative bonus is provided to them up to 25%.
  • Health insurance portability – Customers have the benefit of renewing their existing policies with SBI which would gain them protection against any discontinuity or loss of coverage against pre-existing diseases covered under the policy.
  • Tax benefits – Under section 80D of the Income Tax Act, 1961 the insured can claim deductions for the premium paid against the policy. For self, spouse, dependent children and parents, the amount is Rs. 25,000. For senior citizen parents, the deduction available is up to Rs. 30,000.
  • Family Floater – Get the benefit of having the entire family covered under the same health insurance policy.
  • No exit age – No maximum exit age is described under the SBI Health Insurance Policy.
  • Sub Limits – Get discounts on premiums through the benefit of including sub-limits in your policy.
  • Customer Support – The highly qualified team of SBI General Insurance is available day and night for your convenience.

SBI is one of the leading Insurance companies in the country. It won’t be much to say that SBI has also been one of the game changers when it comes to creating policies that are customer friendly. With versatile terms and knowledgeable staff, SBI has proved to be one of the trusted go-to insurance policy makers in the last few decades.

SBI Health Insurance Plan is one such plan that benefits the insured in every way. Not hurting the pockets much, General Health Insurance makes sure you don’t have to worry about paying the hospital bills while suffering a serious ailment.

Opt for SBI General Insurance Health Insurance and enjoy multiple benefits from deductions in tax amount to cashless hospital bills.

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale., India's IRDAI approved web aggregator portal. We at EasyPolicy provide an unbiased and comprehensive online insurance comparison platform to our clients. provides FREE quotes and insurance plans from the best companies at cost-effective rates. helps you choose best plans for all major segments of Insurance viz. Health Insurance, Life Insurance, Car Insurance, Travel Insurance, Pension and Annuities or even specific type of Insurance like Rural or Micro Insurance. Clutter free design and innovative format is especially designed for best user experience at

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