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About SBI Health Insurance

SBI General Insurance Company Limited is a subsidiary of State Bank of India (SBI), one of the largest and most reputable public sector banks in India. SBI General Insurance offers a comprehensive portfolio of health insurance plans including individual health plans, family floater plans, senior citizen health insurance, critical illness coverage, and more. They have an extensive network encompassing over 6,000 hospitals and 24,000 SBI branches spanning 114 locations nationwide.

They have achieved the esteemed title of 'Insurer of the Year' in the non-life category at the FICCI Insurance Industry Awards for two consecutive years, namely 2020 and 2021. Furthermore, in the year 2022, SBI Insurance were honored with the distinction of being named the 'Best General Insurance Company of the Year' at the esteemed 'Third Emerging Asia Insurance Awards,' an event organized by the 'Indian Chamber of Commerce

SBI Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. SBI has a claim settlement ratio of 97.05%, as compared to the industry average of 94.21%.

SBI Health Insurance Plans Overview

SBI health insurance offers 5 health insurance plans. The premium of these plans starts from Rs. 2109/yr. The sum insured ranges from Rs. 50,000 - 50 Lakh. Details of the comprehensive coverage provided by the following 5 SBI health insurance plans are listed below:

SBI Arogya Plus Policy

Starting Premium- 7,000/Yr

SBI General’s Arogya Plus Policy is exclusively designed to meet special healthcare requirements of individuals and families alike. With wider medical coverage option, it provides easy financial support to overcome hospitalization and OPD expenses

Eligible Age

91 days - 65 years


1 Lakh - 3 Lakh

SBI Arogya Premier Policy

Starting Premium- 7,433/Yr

SBI General’s Arogya Premier Policy is exclusively designed to meet special healthcare requirements of individuals and families alike. With wider medical coverage option, it provides easy financial support to overcome hospitalization and OPD expenses

Eligible Age

91 days - 65 years


10 Lakh - 30 Lakh

SBI Arogya Sanjeevani Policy

Starting Premium- 3,432/Yr

As unique as its name, the Arogya Sanjeevani Policy is a highly beneficial and affordable health insurance policy from SBI Health Insurance. The Policy has been created to cover the most essential clinic aspects required in process of recovery

Eligible Age

91 days - 65 years


50,000 - 10 Lakh

Top Features From SBI Health Plans

  1. Comprehensive Coverage: SBI Health Insurance plans offer extensive coverage for hospitalization, pre and post-hospitalization expenses, and daycare procedures
  2. Maternity Coverage: Some plans provide maternity coverage, including expenses related to childbirth
  3. Critical Illness Cover: Critical illness policies offer lump sum payouts upon diagnosis of specified critical illnesses
  4. No-Claim Bonus: Policyholders may be eligible for a no-claim bonus, leading to an increase in the sum insured without a corresponding increase in premium
  5. Affordable Top-up Option: SBI's Arogya Top-up Policy allows additional coverage over and above existing health insurance at affordable premiums
  6. Cashless Hospitalization: Many SBI Health Insurance plans provide cashless hospitalization facilities at a wide network of hospitals
  7. Family Floater Option: Family-friendly plans allow coverage for the entire family under a single policy
  8. Daily Hospital Cash: Certain policies offer daily cash benefits for hospitalization and additional benefits for ICU admission

Exclusions Across SBI Health Plans

  1. 30-Day Waiting Period: SBI health insurance policy doesn’t cover expenses related to illness within the initial 30 days. Only accident-related claims are considered during this period
  2. Investigation and Evaluation: Expenses for diagnostics or evaluations, including laboratory tests and imaging like X-rays or ultrasounds, are typically excluded from coverage due to their routine nature
  3. Cosmetic or Plastic Surgery: They are generally excluded from SBI health insurance plans, except for reconstruction following accidents, burns, cancer, or medically necessary treatments addressing immediate health risks
  4. Maternity Benefit: Most health policies do not cover expenses related to pregnancy, childbirth, or fertility treatments. If covered, there is often a waiting period for these benefits
  5. Self-Harm: Treatment expenses for injuries resulting from suicide attempts or self-harm acts are not covered
  6. Alcoholism/Substance Abuse: Medical insurance exclusions include treatment expenses for alcoholism, drug or substance abuse, and related conditions
  7. Change-of-Gender Treatment: Expenses for any treatment, including surgical management, to change body characteristics to the opposite sex are excluded
  8. Hazardous or Adventure Sports: Treatment expenses arising from participation in hazardous or adventure sports, such as para-jumping or mountaineering, are not covered
  9. Dental, Vision, and Hearing: Insurance policies by SBI typically do not cover expenses for vision or hearing correction, as well as dental treatments

SBI Premium Calculator

Use the SBI health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

SBI Customer Care

Customer Care Number

SBI Claim Process

SBI supports both cashless claims and reimbursement claims. This section covers the information on how to check SBI health insurance claim status, fill SBI health insurance claim form, and the claim settlement process.

Step 1: Claim Intimation
Notify SBI General Insurance Company of the accident or illness through a call or SMS. Obtain the claim number/reference number.

Step 2: Pre-Authorization Form
Acquire the pre-authorization form, complete it, and submit it at the SBI Health Insurance network hospital where you are seeking treatment.

Step 3: Document Submission
The hospital will forward all necessary medical documents to SBI or its Third-Party Administrator (TPA).

Step 4: Approval Process
They will meticulously review the submitted documents and decide whether to approve or reject the claim.

Step 5: Claim Settlement
Following discharge, SBI will directly settle the medical bills with the SBI Health Insurance network hospital.

If you are getting admitted in a hospital which is not from the SBI Health Insurance network list then you have to send an intimation within 24 Hrs of hospitalisation.

For reimbursement, settle all bills at the time of discharge, and gather all medical documents.Submit these documents to SBI General Insurance/TPA within the specified timeframe.They will verify the documents and settle the claims within 30 days of receiving them.

For any enquiries - SBI health insurance customer care number is 1800-210-3366/1800 -210-6366 which is a toll-free number for any support on claims.

SBI Health Insurance Renewal Process

Timely renewal is crucial to maintain uninterrupted coverage. Explore SBI General Insurance Company’s offerings and choose the SBI Health Insurance renewal option that best aligns with your needs and preferences

Online Renewal Process for SBI Health Insurance 

Follow these steps for a seamless online renewal of your SBI health insurance policy:

Step 1: Visit the Official Website
Navigate to the official SBI General Insurance website.

Step 2: Select 'Health'
Click on the 'Health' tab among the available options.

Step 3: Opt for Renewal
Under the 'Health' section, choose the 'Renew' option.

Step 4: Provide Policy Details
A dropdown menu of policies will appear. Select the specific health insurance policy for renewal. Additionally, input your Policy Number.

Step 5: Proceed with Payment
After entering your details,click 'Go' to initiate the policy renewal payment.

Step 6: Confirmation Email
Upon successful payment, you will receive an email confirming the renewal of your SBI health insurance policy.

Offline Renewal Process for SBI Health Insurance Policy

While online renewal is convenient, SBI also facilitates an offline renewal option for policyholders' ease. If you prefer this method, simply dial SBI's toll-free number at 1800-102-1111 and provide the necessary details.

Alternatively,you can visit the nearest SBI branch to renew your health insurance policy or you can also reach out to a Turtlemint Insurance advisor who can offer quick and easy renewal of your health insurance plan from SBI General.

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