Steps to Check SBI Health Insurance Policy Claim Status

SBI health insurance company was launched in 2009 through a joint initiative of State Bank Of India with Insurance Australia Group. SBI health insurance is a corporate spin- off of SBI general insurance company that offers many healthcare plans providing well strategised comprehensive coverage for adults, families,and senior citizens under plethora of family floater, individual, critical illness and topup health plans. Their CSR (claim settlement ratio) is around 95.4%. The insurance provider has collaborative tie ups with more than 6000 network hospital facilities. It has a wide expansive working network of agent banks, 24700 offices and digital TPAs as its partners.

Steps to Check SBI Health Insurance Claim Status Online

To check your SBI Health Insurance Claim Status you can follow the below-mentioned steps on the Insurer’s website:

Step 1: Visit the official website of SBI General Insurance Company

Step 2: SBI General Insurance Company’s homepage will open, where you can see separate sections for different insurance policies. On this page, there is a ‘Quick Assist’ option. Click this. 

Step 3: Clicking the 'Quick Assist' option redirects to a different page where one can see various options. Click 'Claim Status'.

Step 4: You will be then redirected to the 'Track claim status' page. Select insurance products from the 'Select Product' drop-down menu.

Step 5: The ‘Track Claim’ status option elaborates upon selecting a product from this option. In this section, one has to provide his/her:

• Policy Number or
• Claim Number

And then he/she has to enter the given ‘Captcha’ code

Step 6: Click the 'Next' button to check the claim status online.

How To Check SBI Health Insurance Policy Claim Status Offline?

To know about your SBI health insurance company’s claim status on offline mode, you will have to visit its nearest branch office and you can locate the nearest office by contacting its customer care toll free number 18002103366. An insured customer is always advised to carry requisite documents such as policy papers,insurance i.d, intimation number etc to the office.

Customer Support of InsuranceDekho For Any Query

For any queries or doubts related to checking your SBI health insurance policy or its claim status, please reach to our policy mentors and customer care staff who’re available 24*7 from Mon - Sun to assist you. You can visit our website: www.insurancedekho.com | Call our toll - free number 7551196989 | Just drop an email at support@insurancedekho.com with your concerns.

Common Issues And Resolves

The most important reason why people choose to invest in a rewarding and well compensated health insurance company is because it offers a safety cushion in the face of unforeseen medical expenses and is a prudent financial investment choice too. Therefore, it is extremely wise to avoid risk of a possible policy claim rejection and take precaution before buying the best curated SBI health insurance plan that suits your budget and healthcare needs.

Following are some of the common issues and resolutions that directly challenge reimbursement of a health insurance claim:

• Exclusion Caveats: This is one of biggest mistakes an insured customer could make which is to overlook the clauses given under the exclusion policy of a medical insurance plan. Raising claim addressal for health conditions mentioned under exclusion clauses will invariably lead to rejection thus, one is advised to scrutinise the terms and conditions before purchasing the plan
• Waiting Period: If you buy your SBI health insurance plan and file a claim within 30 days of your purchase, there's a strong likelihood of the same being rejected unless the condition is an accidental injury. This duration is commonly referred to as waiting period duration which may vary from one insurance provider to another and in certain health conditions such as maternity/critical illnesses etc. An individual insured must therefore carefully read the T&C to know about a policy’s waiting period clause 
• Wrong/ Incomplete Claim Documentation: Any health insurance claim document is required to be coherently filled with the complete details mentioned under pre-existing health diseases,personal and family history. One also needs to supplement the documentation with requisite medical papers such as doctor’s prescriptions, lab reports, hospital bills to avert risk of claim rejection 
• Exceeding Sum Insured Amount: A sum insured amount is the maximum sum that a health insurance company can pay to an insured customer in the event of an accident, imminent hospitalisation. Moreover, there can be sub limiting conditions of room rent etc that can further complicate your reimbursement process due to exceeding sum insured. Generally, claim amounts that exceed a policy’s sum insured get outrightly rejected so, one must be well aware of the same beforehand
• Policy Lapse: One of the crucial reasons for facing claim rejection is policy relapse which occurs when you do not renew the healthcare plan after the end of a policy year. This issue can easily be avoided by timely policy renewal
• Exclusions On Health Conditions: Pregnancy/maternity conditions, AYUSH (Ayurveda, Unani, homeopathy etc), AIDS/sexual diseases, suicidal injuries etc are some of the health exclusions which are common reason for claim rejection of a policy therefore, all insured people should be updated about the T&C well before filing the claim

Conclusion

In FY 2016-17, SBI General Insurance Company Limited (SBIG) had a gross written premium of Rs.2.604.5 crore leading to a growth of 28%. As of 2017, the insurer's presence extends to 110 cities pan India with more than 2600 employees. SBIG offers health insurance plans for all segments of customers from individuals and families to senior citizens. The plans cover hospitalisation, critical illness, daily cash benefits, personal accident insurance, and top-up plans.

Also read: How To Check Universal Sompo Health Insurance Policy Status

How to Claim United India Health Insurance

FAQs 

Ques 1.  What is the waiting period of an SBI health insurance plan?

Ans. The duration of the initial waiting period of an SBI health insurance plan is 30 days excluding scenarios of accident related injury. In case of pre-existing health diseases,  the waiting period is of 4 years duration

Ques 2. Is It possible to make edits in the SBI health insurance plan after submitting the documents and if so how?

Ans. Yes, you can change the information details listed in your SBI health insurance plan even after submission by simply emailing SBI at: sbig.health@sbigeneral.in or calling their customer care service on the toll free number: 18002103366 | 18002106366