SBI General Insurance Company was established in the year 2010 by 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 corporate segment along with specialised plans for a rural customer segment. The company has a nation-wide 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.
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 –
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.
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 –
Let’s look into each health insurance plan offered by SBI General Insurance Limited in detail.
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
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 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
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 |
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
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 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
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 |
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
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 |
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
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 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
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 |
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
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 |
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 –
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.
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 –
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 –
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 –
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 –
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 –
Following are the documents required for SBI health insurance claims –
For any queries, you can contact Turtlemint support team on 1800-266-0101 or 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
Following are the major and important 13 critical illnesses covered under SBI General’s critical illness insurance plan –
Health insurance portability refers to shifting of health insurance plan from one insurance provider to another insurance provider with all the existing benefits carried along. Portability gives the benefit of selecting the suitable plan of your choice with the existing benefits like no claim bonus accumulated and waiting period etc continued.
SBI health insurance plans come with a free look period of 15 days during which the policyholder can decide whether to continue with the policy or not. In case, insured is not satisfied with the terms and conditions of the policy, he/she can cancel it without any charges within this free look period of 15 days. However, it’s important and mandatory to state the reason for the cancellation of the policy.
Premiums for SBI health insurance plans can be paid online or also through offline mode. Following are the modes through which online payments can be made –
However, payment can also be done offline through the below ways –
Co-payment is a system of cost-sharing in health insurance plans wherein insured is required to bear a fixed out-of-pocket cost for covered services. This can also be in a fixed percentage. A fixed percentage of the amount of claim amount needs to be paid by the insured and the remaining will be paid the insurance company.
Yes. SBI health insurance plans come with a 30 days grace period. In case you fail to make a premium payment within the due date for premium payment, you can still make the payment within 30 days from the due date. The benefits will continue during the grace period.
Below are the treatments and illnesses that are excluded from domiciliary treatment cover –
SBI health insurance is quite beneficial as the plans offered by the company offer a range of comprehensive coverage benefits which ensure that most medical costs get covered. Moreover, the company offers a range of health insurance plans so that you can choose a plan as per your coverage needs. The claim process of SBI health insurance plans is simple ensuring that you get cashless assistance in emergencies for a smoother experience.
You can make a claim under your SBI health insurance policy in a cashless manner or through reimbursement. Cashless claims are available if you get admitted to a networked hospital. In case of a non-networked hospital or if your cashless claim is not approved, you can opt for reimbursement claims wherein you bear the medical expenses initially and then get them reimbursed by the company. The claim process for each of these types of claims has been explained earlier above.
SBI believes in a quick and easy claim settlement process and allows you to get your claims settled in the easiest possible manner. In case of claims, you can contact the toll-free number of the company 1800 102 1111 and register your claim. You can also send a SMS to 561612 by writing ‘CLAIMS’ in the message text. You can send an email to customer.care@sbigeneral.in to intimate the company about your claim or simply intimate it online at the link https://www.sbigeneral.in/portal/claim/claims-intimation. Once your claim is intimated, the company would get in touch with you and guide you with the claim settlement process.