SBI health insurance

SBI General Health Insurance Company Limited is a joint venture between State Bank of India and the Insurance Australia Group and it offers numerous insurance products such as personal accident, home, travel, motor, fire, marine and many more. SBI Health Insurance is one major part of their product offerings and has a number of SBI health insurance plans.

Some features & benefits of SBI General Health Insurance

  • Availability of Good coverage options such as a sum insured amount as per need.
  • A wide range of Flexible and comprehensive plans as per preference of customer.
  • Numerous add-ons options such as consultancy charges, ICU charges, Operation theatre fee, ambulance fee, etc.
  • 24/7 well trained customer support to resolve any issues, answering claim queries, clearing doubts and any other issues
  • Complimentary medical check-up for policy holders after completing 4 years without claiming.
  • Policies OF SBI health insurance can be easily purchased and renewed online  

Plans provided by SBI General Health Insurance

PLAN PLAN BASIS SUM INSURED RANGE
Arogya Premier Individual and Family Rs.10 Lakhs to Rs.30 Lakhs
Arogya Plus Individual and Family Rs.1 Lakh to Rs.3 Lakhs
Arogya Top Up Individual and Family Rs.1 Lakh to Rs.10 Lakhs
Health Insurance SBI Individual and Family Rs.1 Lakh to Rs.5 Lakhs
Critical Illness Individual Upto Rs.5 Lakhs
Hospital Daily Cash Individual Daily allowance

 

 

 

 

 

 

*Policy Premiums will vary depending on the policy holder’s location, age, plan term and the prevailing taxes or GST.

Arogya Premier

Specifically designed for high net-worth individuals, this policy offers good coverage and comes with a good set of benefits and add-ons. It is one of the most luxurious SBI health insurance plans.

Unique Features of Arogya Premier Policy

  • Air ambulance services which can be availed up to maximum Rs.1 Lakh.
  • Organ donor expenses, day care expenses, homeopathy, siddha, Unani and Ayurveda treatments covered.
  • Maternity related expenses can be availed after completing a waiting period of 9 months.
  • Pre and post hospitalisation expenses.
  • Claiming of tax benefit

AROGYA PREMIER PLAN DETAILS
POLICY TERM 1-3 Years
AGE OF ENTRY 3 months to 65 years
PREMIUM Can be paid in advance
RANGE OF SUM INSURED 10 to 30 Lakhs
PLAN BASIS Individual and / or family
NO CLAIM BONUS 10 Percent
MEDICAL SCREENING Applicable only for age 55 Years and above
DISCOUNTS Cumulative bonus

Arogya Plus

Arogya Plus plan is a superior health insurance option that is available which provides multiple coverage options. It is one of the most extensive plans amongst the SBI health insurance plans.

Unique Features of Arogya Plus Policy

  • OPD related expenditures will be taken care of as assigned in the policy’s terms and conditions.
  • Tax benefit can be availed by the policy holder under section 80D.
  • Maternity benefits are offered to the policy holder.
  • Day care and pre and post-hospitalization expenditures will be covered under the policy.
  • Other benefits include cover for nursing expenses, ICU, diagnosis, operation and hospitalization related expenses

 

AROGYA PLUS PLAN DETAILS
POLICY TERM 1-3 Years
AGE OF ENTRY 3 months to 65 years
PREMIUM 1 Lakh = Rs.8900, 2 Lakhs = Rs. 13,350, 3 Lakhs = Rs. 17,800
RANGE OF SUM INSURED 1 to 3 Lakhs
PLAN BASIS Individual and / or family
MEDICAL SCREENING Applicable only for age 55 Years and above

Arogya Top Up

The Arogya Top Up plan is designed in such a way that it provides additional protection with a comparatively lesser premium rate. It is one of the most affordable and Value for money options in the SBI health insurance plans.

Unique Features of Arogya Top Up

  • Coverage of AYUSH related expenses
  • Claiming of Tax exemption
  • Expenditures such as organ expenses, pre-and post-hospitalization cost and others related to surgeons, ambulance services, maternity, and day care expenses will be covered.
  • Hospitalization expenditures such as room rent, blood and oxygen, etc. will also be covered.

 

AROGYA TOP UP DETAILS
POLICY TERM 1-3 Years for Individuals and 1 year for Family
AGE OF ENTRY 3 months to 65 years
RANGE OF SUM INSURED 1 to 10 Lakhs
PLAN BASIS Individual and / or family
MEDICAL SCREENING Applicable only for age 55 Years and above

SBI Health Insurance

This is a general and comprehensive SBI health insurance plan policy with a wide range of coverage.

Unique Features of Health Insurance SBI

  • Tax exemption is applicable.
  • Availability of cashless network services at 3,000 and odd empanelled network hospitals throughout the country.
  • Coverage provided to certain specified pre-existing diseases.
  • The policy covers domiciliary hospitalization, day care expenses, ambulance charges, ICU charges, specialist fees and supplementary hospitalization costs which are mandated in the policy record.

SBI HEALTH INSURANCE PLAN DETAILS
AGE OF ENTRY 3 months to 65 years
RANGE OF SUM INSURED 1 to 5 Lakhs
PLAN BASIS Individual and / or family
MEDICAL SCREENING Applicable only for age 65 Years and above
WAITING PERIOD 1 year
CO-PAYMENT 10%

Critical illness

This plan is specifically designed to cover certain illnesses which are serious and this policy is for individuals only.

Unique Features of Critical Illness plan

  • This policy covers 13 serious illnesses such as coma, blindness, heart attack, paralysis, stroke, aorta graft surgery, heart valve surgery, major organ transplant, primary pulmonary arterial hypertension, cancer, kidney failure and coronary artery bypass grafts.
  • Tax exemption can be claimed in this policy.

CRITICAL ILLNESS PLAN DETAILS
Policy Term Either 1 or 3 years
Entry Age Upto 65 years of age only
Plan Basis Individual only
Sum Insured Range Up to 5 Lakhs

Hospital Daily Allowance

This policy takes care of the day-to-day expenditures that occur during the time of hospitalisation. Although, it is one of the most basic plans under the SBI health insurances, it covers a large sum of financial baggage at the required moment.

Unique Features of Hospital Daily Cash

  • Daily cash of Rs. 2,000 will be provided when hospitalized.
  • ICU allowance of Rs. 4,000 will be stipulated on a daily basis.
  • Accidental hospitalization allowance of Rs. 4,000 will be provided on a daily basis and recuperation expenses of Rs. 5,000 per day will be provided until the policy holder is fully recovered.

 

HOSPITAL DAILY ALLOWANCE PLAN DETAILS
Policy Term For Individuals: 1 to 3 years, For Family: 1 year
Entry Age From 18 to 65 years

Checklist

  • Choose a plan according to your personal and family needs.
  • Take into consideration factors such as sum insured amount, premium range, policy tenure, etc. and compare the pro and cons of the various available plans.
  • Keep all documentations required ready during purchase.

Documents required

  • ID proof and Residential proof

  • Medical certificate