SBI Health Insurance Plan: Benefits, Premiums, Reviews

SBI General Insurance Company was established in the year 2010 by the coming together of State Bank of India, India’s largest and multinational public sector bank and Insurance Australia Group (IAG), Australia based multinational insurance company. SBI General Insurance Company is a combination of global expertise and domestic values. The company offers a wide array of general insurance products such as motor insurance, health insurance, personal accident, travel insurance and home insurance for the retail customer segment.

The company offers various non-life insurance products like fire insurance, marine insurance, aviation insurance and liability insurance etc for the corporate segment along with specialised plans for a rural customer segment. The company has a nationwide presence through its branches and satellite offices in most of the cities along with the wider presence of State Bank of India branches in every corner of the country.

Important Facts about SBI General Insurance Company

SBI General Insurance has been consistently recognised for innovative products and contribution to Indian Insurance sector. Following are some of the important facts to note about the company –

• SBI General Insurance has won the ‘ET Best BFSI Brand Award 2018’
• The company has been awarded ISO 27001:2013 certification
• The company has received ‘Best E-magazine award at the 57th ABCI awards
• The company has received ‘Best ET BFSI Brand award 2016’
• The company has received ‘Bancassurance Leader (Medium and Small Category)’ award by Fintelekt
• SBI insurance products are easily accessible as the company currently has 125 branches and 350 satellite offices across India. SBI general insurance products are easily available through 22,000+ branches of State Bank of India across the country.
• The company has a collaboration with more than 6000 hospitals across the country.
• Insurance products offered by SBI General Insurance Company Limited can be accessed even in the remote areas through 5,500+ Regional Rural Banks (RRBs)
• The Company has a robust multi-distribution channel including bancassurance, broking, digital, agency and retail direct channels etc. 
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SBI Health Insurance Plans

As mentioned, SBI General Insurance offers a wide spectrum of non-life insurance products for a various customer segment. Health insurance is one of the main products offered by the company. SBI General Insurance offers a variety of customisable and reasonable health insurance plans to cater to the specific needs of individuals, family and members of the group.

Benefits of SBI Health Insurance Plans

• Wide coverage – SBI medical insurance plans provide comprehensive coverage with a wide variety of health risks covered for an individual and for his/her family.
• Convenience – SBI medical insurance plans can be conveniently bought online. The plans offered by the company are easily accessible with the huge presence of SBI bank branches. Pre-policy medical check-ups are not needed till 45 years of age for almost all SBI health insurance plans which makes it easy to avail. 
• Flexible – Most of the SBI medical insurance plans come with an option of flexibility to choose from various coverage options. This helps the buyer to choose the plan variant based on their need.
• Customisation – One of the most important benefits offered by SBI medical insurance plans is the customisation which allows the buyer to customise the plan based on their need and affordability.
• Cashless facility – SBI General Insurance Company is tied up with 6,000+ network hospitals to offer cashless healthcare treatment facilities to customers. Network hospitals can be easily located with the help of their website
• Quick claim settlement – Claim process for SBI health plans is quite easy and simple. With the easy and hassle-free process of claims, the settlement is done quickly.
• Additional coverage benefits – There are various riders or add-ons offered for SBI health plans which allows its buyers to enhance the coverage. Add-ons are optional and can be availed at an additional premium cost.
• Tax benefit – The premiums paid for SBI medical insurance plans qualify for tax deduction under Section 80D of the Income Tax Act, 1961. Premiums paid towards coverage availed for self, spouse, dependent children and parents can be claimed for a tax deduction. Following are the details of tax deductions allowed under Section 80D of the IT act.

Description	The maximum premium for self, spouse and dependent children	Maximum premium for parents (dependent/non-dependent	Total deductions available under Section 80D
None above 60 years age	INR 25,000	INR 25,000	INR 50,000
Assessee and family is below 60 years and parents are above 60 years	INR 25,000	INR 50,000	INR 75,000
Assessee and parents are above 60 years of age	INR 50,000	INR 50,000	INR 1,00,000

Types of SBI Health Insurance Plans

SBI General Insurance Company offers a variety of health insurance plans suitable for the unique needs of people. Following are the types of health plans offered by the company –

• Individual health insurance plans
• Family floater health insurance plans
• Critical illness health insurance plans
• Senior citizen health insurance plans
• Top-up health insurance plans
• Fixed benefit health insurance plans
• Group health insurance plans and others

Let’s look into each health insurance plan offered by SBI General Insurance Limited in detail.

● SBI Arogya Supreme Health Insurance Policy

The Arogya Supreme Health Insurance policy by SBI is a comprehensive health insurance plan that can help you in all kinds of medical urgencies that can arise anywhere and at any time. Along with wide coverage, the policy allows you to be confident about the future, as you know that in the case of hospitalisation, the sky-high treatment costs will not be out of your reach.

The salient features of the policy are discussed below:

• SBI Arogya Supreme Health Insurance policy offers you a wide range of 20 covers along with 8 optional benefits
• Apart from self and your spouse, you can cover your children, parents as well as in-laws
• In-patient hospitalsaition includes:
• Nursing
• ICU
• Doctors’ fee
• Diagnostic procedures etc
• You can opt for a policy tenure of up to 3 years
• The policy offers coverage for Covid-19
• 100% refil in case of full or partial use of your sum insured
• Alternate treatments, such as Ayurveda, Yoga, Unani, Sidha and Homeopathy are covered
• Benefits such as air ambulance, recovery benefit, compassionate benefit etc. make the plan very practical
• Preventive Health Check-ups are available
• The policy also offers a number of discounts that make it all the more affordable
• There is an HIV/ AIDS cover offered with the plan
• Coverage for mental health is also provided 

Eligibility criteria of SBI Arogya Supreme Health Insurance policy

● SBI General’s Arogya Sanjeevani Policy

Accidents are uncertain, and accidental cases skyrocket each day. Sudden accidents, critical illnesses, and routine health issues can cause you to fall into a financial crunch, which may ruin your assets, career, and plans as well. Thus, the SBI Arogya Sanjeevani Policymakes sure that you are financially prepared to be incurred due to hospitalization and medical expenses.

Salient features of the SBI Arogya Sanjeevani Policy:

The features of the policy are discussed below:

• The company will incur the medical expenses for the hospitalization of the policyholder. The expenses include:
• Boarding, room rent, and nursing expenses charged by the nursing home or hospital up to 2% of the base SI to a maximum limit of Rs. 5,000 per day.
• Intensive Cardiac Care Unit (ICCU) or Intensive Care Unit (ICU) expenses up to 5% of the sum insured for a maximum amount of Rs. 10,000 per day.
• Medical practitioner, specialist fees, consultants, surgeon, anaesthetist whether paid to the hospital or the doctor directly.
• Oxygen, blood, OT charges, anaesthesia, medicines and drugs, surgical appliances, diagnostic images modalities, costs towards diagnostics, and similar other expenses.
• Other expenses include the following:
• Cataract treatment is covered up to Rs. 40,000 or 25% of the insured sum, whichever is lesser per eye.
• Dental treatment
• Plastic surgery
• Daycare treatments
• The policy incurs expenses of on-road ambulances up to Rs. 2000 per hospitalization.
• The coverages are in-built policy benefits and are available to all the insured persons by the terms and conditions in their policy
• The Arogya Sanjeevani Policy SBIcover includes in-patient care treatment under Yoga and neuropathy, Ayurveda, Homeopathy, Unani, and Siddha in any AYUSH hospital up to the insured sum in every policy year.
• The company bears the pre-hospital medical expenses for 30 days before the date of admissible hospitalization.
• From the date of discharge, the company will bear the post-hospitalization charges of the policyholder for up to 60 days.
• The Cumulative Bonus will be increased by 5% in each claim-free policy year, till a maximum of up to 50% of the base sum insured.
• No medical health check-up is needed for people having no pre-existing diseases of up to 55 years of age.
• 5% copay on all claims is available.
• For the yearly mode of payment, a period of 30 days is allowed as a grace period. And for all other modes of payment, the grace period is for 15 days.
• You can insure the sum on:
• Individual basis: A separate sum insured will be available to each family member.
• Floater basis: The sum insured is available and shared by the whole family.
• For undergoing advanced medical procedures, the SBI Arogya Sanjeevanipolicy will offer coverage of up to 50% of the insured sum.
• The company facilitates policy renewal for life.
• The plan comes with the added benefits of cashless claims and after-event reimbursement of claims.

Eligibility criteria of SBI Arogya Sanjeevani policy:

Age	18 years – 65 years for a maximum of 8 people
Sum insured	INR 50,000 to INR 10,00,000
Cumulative bonus	5% of sum insured up to 50% for every claim-free year
Type of Coverage	Individual and Family Floater, both are available
Policy period	1 year

● SBI General’s Arogya Premier Policy

SBI General’s Arogya Premier Policy is a comprehensive healthcare plan that is exclusively designed to provide wider medical coverage with many attractive features. The plan aims to provide complete financial security and peace of mind during health emergencies. The coverage under the policy can be availed on both individual and family floater basis.

Features of SBI General’s Arogya Premier Policy

• Coverage offered by the policy includes in-patient hospitalisation, pre and post hospitalisation, 142-day care procedures, ambulance expenses, alternative treatments, domiciliary hospitalisation, organ donor expenses, maternity expenses and health check-ups
• Auto reinstatement of 100% sum insured when the base cover gets exhausted
• Cumulative bonus of 10% every year up to a maximum of 50%
• Reimbursement of health check-up up to INR 5,000 in a block of four consecutive claim-free years
• Flexibility to choose the policy term – 1 year/2 year or 3 years

Eligibility Criteria for SBI General’s Arogya Premier Policy

Entry age	18 years to 65 years
Renewability	Lifelong renewable
Entry age for dependent children	3 months
Pre-entrance medical check-ups	No medical check-up required till the age of 55 years
Relationships covered	Self, spouse, two dependent children up to the age of 23
Co-payment	Co-payment clause is not applicable
Pre-existing illnesses waiting period	48 months
Sum insured	INR 10 lakhs to INR 30 lakhs

● SBI General’s Arogya Plus Policy

SBI General’s Arogya Plus Policy provides financial protection against rising out-patient (OPD) medical expenses and hospitalisation expenses. This SBI health insurance policy provides amazing benefits to manage your healthcare expenses. The coverage under the plan can be availed on both individual and family floater basis.

Features of SBI General’s Arogya Plus Policy

• The policy mainly covers OPD consultation and treatments expenses along with coverage offered for in-patient care, pre and post hospitalisation expenses, 142 daycare procedures, ambulance expenses, domiciliary hospitalisation, maternity expenses and alternative treatment. 
• Flexibility to choose the coverage term – 1 year, 2 years or 3 years
• Discounts on availing long-term cover

Eligibility Criteria for SBI General’s Arogya Plus Policy

Entry age	18 years to 65 years
Renewability	Lifelong renewable
Entry age for dependent children	3 months
Pre-entrance medical check-ups	No medical check-up is needed until the age of 55 years
Relationships covered	Self, spouse, two dependent children, parents and parents-in-law
Co-payment	Co-payment clause is not applicable
Pre-existing illnesses waiting period	48 months
Sum insured	INR 1 lakh, INR 2 lakhs, INR 3 lakhs

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● SBI General’s Arogya Top Up Policy

SBI General’s Arogya Top-up Policy is a great supplement to avail extra financial protection at a reasonable cost on top of the basic health insurance plan.

Features of SBI General’s Arogya Top Up Policy

• The coverage offered by this SBI health insurance policy includes in-patient hospitalisation cover, pre and post hospitalisation cover, daycare expenses, ambulance expenses, domiciliary hospitalisation, alternative treatments and maternity expenses
• Alternative treatment cover includes treatments like Ayurvedic, Homeopathy, Siddha and Unani treatments taken in a government hospital or in any institute recognised by the government and/or accredited by the quality council of India/ national accreditation board on health.
• The policy offers the benefit of reinstatement of sum insured on payment of additional premium 
• Family discount of up to 20% is offered by the policy
• A long-term discount of up to 7.5% is offered by the policy
• Flexibility to choose the coverage term – 1 year, 2 years or 3 years

Eligibility Criteria for SBI General’s Arogya Top Up Policy

Entry age	18 years to 65 years which can be extended to 70 years
Renewability	Lifelong renewable
Entry age for dependent children	3 months
Pre-entrance medical check-ups	No medical check-up required until the age of 55 years
Relationships covered	Self, spouse, dependent children, dependent parents and parent-in-laws
Pre-existing illnesses waiting period	48 months
Sum insured	INR 1 lakh to INR 50 lakhs
Deductibles	INR 1 lakh to INR 10 lakhs

● SBI General’s Health Insurance Policy – Retail

SBI General’s Retail Health Insurance Policy is a comprehensive package that offers complete financial protection by addressing the unique healthcare needs of people. The plan comes in three different variants to suit the requirements. This SBI health insurance policy comes with various attractive features and customisable benefits.

Features of SBI General’s Health Insurance Policy – Retail

• The policy offers wider coverage that includes in-patient hospitalisation, pre and post hospitalisation, and ambulance charges, parental care, child care, alternative treatments, domiciliary hospitalisation, convalescence benefit and day surgery procedures
• Free medical check-ups in a block of four consecutive claim-free years
• Two optional add-ons to enhance the coverage are available at an additional cost of the premium
• Removal of room and ICU rent sub-limits
• Removal of sub-limits on operation and consultancy charges
• Flexibility to choose the plan option – Plan A (metro plan), Plan B (semi metro plan) and Plan C (rest of India)

Eligibility Criteria for SBI General’s Health Insurance Policy – Retail

Entry age	18 years to 65 years
Renewability	Lifelong renewable
Entry age for dependent children	3 months
Pre-entrance medical check-ups	No medical check-up required until the age of 45 years
Relationships covered	Self, spouse, dependent children and dependent parents
Co-payment	10% co-payment is applicable
Pre-existing illnesses waiting period	48 months
Sum insured	INR 50,000 to INR 5 lakhs

● SBI General’s Critical Illness Insurance Policy

A sudden diagnosis of critical illnesses leaves one emotionally and financially shattered. To fight back the situation it’s important to have adequate financial protection. SBI General’s Critical Illness Insurance Policy is specifically designed to provide required financial protection against critical illnesses. The policy covers major common critical illnesses. It is a fixed benefit plan that pays out the lump sum benefit on diagnosis of critical illness to help in bearing the heavy treatment cost.

Features of SBI General’s Critical Illness Insurance Policy

• The policy covers 13 major and important critical illnesses
• Flexibility to choose the term – 1 year or 3 years
• The policy offers larger cover at an attractive rate of premium

Eligibility Criteria for SBI General’s Critical Illness Insurance Policy

Entry age	18 years to 65 years
Renewability	Renewable for lifetime till the insured makes the first critical illness claim
Pre-entrance medical check-ups	No medical check-up is needed until the age of 45 years. However, the requirement may depend on medical history, age and sum insured chosen.
Relationships covered	Self, spouse and dependent parents
Co-payment	No co-payment clause applicable
Pre-existing illnesses waiting period	Pre-existing illnesses are permanently excluded from the policy
Waiting period for critical illness	90 days
Sum insured	Age below 60 years -INR 2 lakhs to INR 50 lakhs
	Age 60 years and above – INR 2 lakhs to INR 15 lakhs

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● SBI General’s Hospital Daily Cash Insurance Policy

SBI General’s Hospital Daily Cash Insurance Policy is a type of SBI health insurance plan that provides fixed benefits for each day of hospitalisation irrespective of actual medical costs incurred. The policy provides extra protection by taking care of additional expenses which are not covered under the regular health insurance policy.

Features of SBI General’s Hospital Daily Cash Insurance Policy

• Covers daily hospitalisation expenses for each continuous and completed period of 24-hour hospitalisation
• Additional benefits include ICU charges (twice the daily benefit) and accidental hospital confinement expenses (up to double the daily benefit)
• The policy also covers convalescence expenses for up to INR 5,000
• Flexibility to choose the number of days of coverage – 30 days and 60 days
• Flexibility to choose the daily cash benefit amount from four different options – INR 500, INR 1,000, INR 1,500 and INR 2,000

Eligibility Criteria for SBI General’s Hospital Daily Cash Insurance Policy

Entry age	18 years to 65 years
Renewability	Lifelong renewable
Entry age for dependent children	3 months
Pre-entrance medical check-ups	No medical check-up is needed until the age of 45 years
Relationships covered	Self, spouse, dependent children and dependent parents
Co-payment	Co-payment clause is not applicable
Pre-existing illnesses waiting period	Pre-existing illnesses permanently excluded from the policy

Benefits of SBI General’s Hospital Daily Cash Insurance Policy:

Benefits	Plan A	Plan B	Plan C	Plan D
Daily hospitalisation cash benefit	INR 500	INR 1,000	INR 1,500	INR 2,000
ICU hospitalisation	INR 1,000	INR 2,000	INR 3,000	INR 4,000
Accident hospital confinement	INR 1,000	INR 2,000	INR 3,000	INR 4,000
Convalescence benefit for hospitalisation exceeding 10 days	Three times the benefit payable up to a maximum of INR 5,000

● SBI General’s Group Health Insurance Policy

SBI General’s Group Health Insurance Policy caters to the healthcare needs of you and your family at a reduced cost by covering various health risks. Plans make quality healthcare affordable for you and your family. This SBI health insurance policy is offered to members of the group and their family.

Features of SBI General’s Group Health Insurance Policy 

• The policy offers multiple coverage options – individual and family floater options
• The policy provides coverage for in-patient hospitalisation, pre and post hospitalisation, ambulance charges, domiciliary hospitalisation, daycare surgery procedures
• Coverage for selected daycare procedures such as dialysis, chemotherapy, dental surgery, tonsillectomy, eye surgery etc.

Eligibility Criteria for SBI General’s Group Health Insurance Policy

Entry age	18 years to 65 years
Renewability	Lifelong renewable
Entry age for dependent children	3 months
Pre-entrance medical check-ups	No medical check-up is needed till the age of 65 years
Relationships covered	Self, spouse, dependent children, dependent parents and parent-in-laws
Co-payment	10% co-payment applicable on all eligible admissible claims
Pre-existing illnesses waiting period	48 months
Sum insured	INR 1 lakh to INR 5 lakhs

Read more about Group Health Insurance Policies in India & Choose Wisely

● SBI General’s Loan Insurance Policy

The loan insurance policy offered by SBI General Insurance Company Limited is specifically crafted to meet the financial obligations and liabilities during medical emergencies. This plan helps you with financial stability and relieves you from the stress of loan during health contingencies.

Features of SBI General’s Loan Insurance Policy

• Flexibility to choose the sum insured based on a fixed or reducing basis
• The policy provides coverage for critical illness, personal accident and loss of employment. 
• 13 major and important critical illnesses are covered which pays out Lump Sum benefits on the diagnosis of the listed critical illnesses. Covered critical illnesses are cancer, major organ transplant, coma, stroke, aorta graft surgery, paralysis, kidney failure, heart valve surgery and total blindness etc
• In section II, Accidental death and accidental permanent total disablement are covered
• Under Section III of the plan, loss of a job is covered with a maximum of 3 Equated Monthly Instalment (EMI) will be given in the event of temporary unemployment.

Eligibility Criteria for SBI General’s Loan Insurance Policy

Entry age	18 years to 60 years
Renewability	Lifelong renewable
Entry age for dependent children	Not applicable
Pre-entrance medical check-ups	No medical check-up is required till the age of 55 years and up to sum insured of INR 1 crore
Relationships covered	Self, spouse or dependent parents
Co-payment	Co-payment clause is not applicable
Pre-existing illnesses waiting period	Pre-existing diseases are permanently excluded from the coverage
Waiting period for critical illness	90 days
Sum insured	Depends on the option chosen – fixed or reducing

Exclusions in SBI Health Insurance Plans

Though sbi medical insurance plans offer a wide range of coverages, there are certain general exclusions apply for the plans. Following are the exclusions under SBI health insurance plans –

• Expenses incurred for the treatment of illnesses or an injury incurred within 30 days of commencement of the policy.
• Expenses incurred for specific illnesses like benign prostatic hypertrophy, diabetes and related complications, cataract, non-infective arthritis, hypertension, heart disease, treatment of spondylosis, hysterectomy, surgery of varicose veins and surgery for prolapsed intervertebral disc etc are not covered for 24 months from commencement of the policy.
• Expenses incurred for the treatment of pre-existing illnesses is not covered for 48 months from the date of commencement of the policy.
• Any illness/injury directly or indirectly caused by war, hostilities, invasion, acts of foreign enemies, commotion, civil war, rebellion, unrest, insurrection, revolution and nuclear weapons/materials
• Treatments outside the geographical limit of the policy
• The cost of external appliances like contact lenses, spectacles, hearing aids, crutches, dentures, wheeling chair, artificial limbs, and artificial teeth etc are not covered
• Cosmetic or aesthetic treatments, surgery for change of gender and plastic surgery etc. are not covered
• Expenses incurred for the treatment of external or internal congenital illnesses are not covered.
• Sexually transmitted diseases, AIDS/HIV are not covered
• Alcohol and drug abuse
• Deliberate and intentional self-injury, suicide or attempt suicide are not covered

Premiums calculation for SBI health insurance plan is quite simple, easy and quick with the online premium calculator. All you need to do is to provide some of your basic information such as name, age, contact details and health-related details and coverage requirement to calculate the premium online instantly. Online premium calculator instantly and effectively calculates the premium based on the information given by you. You can change the details of your requirement for recalculation of premium.

How to Buy SBI Health Insurance Plans?

You can purchase SBI health insurance plans through both online and offline mode. Offline plans are sold by the insurance company directly at the branch offices or can even be purchased through insurance advisors. SBI health insurance plans available on the digital platform are more convenient to buy through their company’s website with some simple buying process.

However, the easiest way to buy a SBI health insurance policy would be buying online through Turtlemint wherein you can compare various similar health insurance plans and then buy the best suitable plan from SBI. Following is the simple process to buy SBI health insurance plans online through Turtlemint –

• Go to Turtlemint and choose the category of insurance plan that you would want to purchase
• To buy a health plan, you need to 
• Share your profile details which would include –
• Gender
• Age
• Age of the members whom you want a cover
• Information about pre-existing illnesses
• The annual income level of the family
• Are PIN code
• Based on your details, a list of some of the best health insurance plans available in the market are displayed
• You can select the best suitable plan after comparison
• Once you choose the plan, you need to fill in the online application form
• Once the details are filled, proceed for premium payment online
• Once the application is filled and payment is done, you can buy the plan easily

The Renewal Process for SBI Health Insurance Plans

Renewing a SBI health insurance policy is a simple and quick process. Following are the steps for renewing the policy online through the company’s website –

• Login to SBI General Insurance Company’s website and click on ‘renew online’ option in the home page under health insurance category
• Provide your policy details and pay the premium online. Once the payment is done policy would be renewed.

SBI health insurance plans can also be renewed through Turtlemint online. If you have purchased a policy through Turtlemint, you would be having user credentials. Log in with your user details and access the existing policy details on the portal. Click on the ‘renew’ option and pay the renewal premium online. Your policy would be renewed easily.

Claim Process for SBI Health Insurance Plans

The claim process for SBI health insurance plans is simple and quick. SBI General Insurance provides round the clock call assistance for claims support and convenient digital platform for claim registration. The process varies depending on the type of health claim you are making. Following is the simple process for health claims –

• Cashless health insurance claim process

  If you take admission at a network hospital of SBI General Insurance Company, the following is the process to be followed for the cashless claim –

  • The cashless request needs to be submitted to TPA (Third party administrator) of SBI General Insurance Company Limited. In case of planned admission, the request needs to be submitted 48 hours in advance to the admission. In case of emergency admission at the hospital, the request needs to be submitted to TPA within 24 hours of admission at the hospital
  • TPA of SBI General Insurance Company will review all the initial documents submitted by the hospital authorities along with cashless claim request
  • Once the cashless claim request is approved by the insurance company, further documents are to be produced by the hospital to process the claim
  • Once all the documents are verified, the claim amount will be directly settled with the network hospital
• Reimbursement health insurance claim process

  In the case of the medical treatment availed at a hospital which is not included in-network hospital of SBI General Insurance Company, medical expenses can be claimed via the reimbursement process. Following process needs to be followed for claim reimbursement –

  • Take admission at the non-network hospital of the insurance company and settle the bill out of your pocket
  • Collect all the original documents from the hospital
  • Register the claim with SBI General Insurance Company by submitting original documents received from the hospital along with duly filled and signed claim form and other relevant documents, if any
  • TPA of SBI General Insurance Company will scrutinise all the documents and update the insured on status of a claim 
  • Once the claim is approved, the payment of claim will be made within a specified time period by SBI General Insurance Company Limited

Documents Required for SBI Health Insurance Claims

Following are the documents required for SBI health insurance claims –

• Duly filled and signed claim form
• Treatment papers and medical practitioner’s prescription
• Diagnosis reports (ECG/Scan/X-ray, Lab test reports etc)
• PAN copy of insured
• Discharge certificate with original medical bills and receipts given by hospitals, diagnostic centres, doctors and pharmacies
• Police First Information Report copy for accident cases
• Copy of health card
• For reimbursement cases, provide bank details along with cheque copy containing all the details (account number, IFSC code and name etc)

Compare & Buy from Best SBI Health Insurance Policies

For any queries, you can contact Turtlemint support team on 1800-266-0101 or SBI General Insurance Company.

Company Address and Contact Information – SBI General Insurance Company

Address: SBI General Insurance Company, ‘’Natraj’’ 301, Junction of Western Express Highway and Andheri Kurla Road, Andheri (East) Mumbai – 400 069

Toll-Free Number: 1800 22 1111