SBI Health Insurance Plans

Some of SBI Health's most notable features are listed below:

SBI offers a wide range of products to its customers and has different plans to cater for their needs and requirements.

• Individual Health Insurance: SBI offers individual health insurance to its customers and provides coverage to an individual against any medical treatment or medical emergency. A comprehensive plan of health insurance for individuals gives coverage for different expenses including hospitalisation, day care procedures, and domiciliary hospitalisation.
• Family Health Insurance: SBI offers plans that will cover the whole family in one single plan. It will cover your whole family from unexpected medical emergencies by providing medical expenses for the treatment of illness or any accident. You will get peace of mind by taking a single policy for all your family members.
• Critical Illness Insurance: SBI Health Insurance provides critical illness insurance to its customers, which offers coverage for critical illnesses. This insurance provides coverage for the treatment of 13 critical illnesses.
• Group Health Insurance: This health insurance is given by the employer to their employee. Group health insurance will cover the health expenses of employees and their families. SBI offers different kinds of benefits with their Group Health Insurance such as daycare treatment, domiciliary treatment, pre and post-hospitalisation expenses etc.
• Top-Up Health Insurance: SBI has designed Top-Up Health Insurance that will work as a safety guard for your base health insurance plan. This insurance will cover the expenses that will be exceeded during treatment after applying the base plan sum insured. The plan is designed to ensure that policyholders do not get a financial burden during medical emergencies.
• Personal Accident Plans: Accidents are unpredictable so to battle against the treatment for an accident financially SBI has a Personal Accident Plan. This plan will provide coverage for the treatment of accidents and also cover loss of life, disabilities & even loss of income due to an accident.
• Senior Citizen Health Insurance: SBI cares for its senior citizen customers and solves the financial problem that arises due to old-age health issues by offering health insurance plans to senior citizens. After buying a health insurance plan for senior citizens you will get coverage for Hospitalisation expenses including room rent, doctor’s consultation charges, ICU etc.

A summary of each SBI Health Insurance plan is provided in the table below:

There are a total of 9 health plans that are available in SBI Health Insurance and all come with different kinds of benefits and coverage. So let's explore each plan in detail to get more knowledge about the plans and their benefits.

There are certain eligibility criteria which are to be fulfilled by the customers to purchase health insurance from SBI Health Insurance and those eligibility criteria are:

Must be a resident of India.

• Age limit for Adults- 18 to 65 years
• Age limit for dependent children- 90 days to 25 years
• Medical Conditions- You have to disclose any kind of pre-existing condition while purchasing the policy.

Here are the steps to purchase SBI Health insurance plans online through InsuranceDekho:

Step 1: Visit the InsuranceDekho official website on your search engine.

Step 2: Fill the required information and choose the plan.

Step 3: Choose the kind of cover that you are looking for from the two options. The form changes based on your choice/requirement.

Step 4: After choosing your plan and coverage go to the payment option and make payment online for your policy.

• Duly filled application form with passport-size photograph
• Identification Proof
• Address Proof
• Age Proof
• Income Proof
• Medical Reports

Upgrade your policy online

Go through the below-given steps to upgrade your policy

Step 1: Open the InsuranceDekho official website on your search engine

Step 2: Click on the renewal option at the top of the screen

Step 3: Fill in the required details on the screen like policy number and date of birth

Step 4: Make the changes required

Step 5: Make the payment by choosing from the payment option given according to your convenience

Ques 1. Does SBI Health Insurance offer cashless treatment?

Ans. Yes, SBI Health Insurance offers cashless treatment at their 16625 network hospitals across India.

Ques 2. What is a family floater plan, and how does it work?

Ans. Family floater plan is a health insurance plan that gives coverage to all family members in one single plan. The policyholder shares the coverage amount with other family members.

Ques 3. What is the claim settlement process for SBI Health Insurance?

Ans. For a cashless claim you have to show your health card at the network hospital during hospitalisation and for a reimbursement claim, you have to submit all the bills and documents within the given time.

Ques 4. Are daycare procedures covered?

Ans. Yes SBI Health Insurance has a plan that provides coverage for daycare procedures that don’t require hospitalisation for 24 hours.

Ques 5. What is the free-look period for SBI Health Insurance policies?

Ans. The free look period for SBI Health Insurance is 15 days during which you can cancel your policy if you are not satisfied with the policy.

Ques 6. Can I add family members to my existing health insurance plan?

Ans. Yes, you can add your family members to your existing health insurance plan but it will increase your premium and also they have to serve the waiting period.

Ques 7. Does SBI Health Insurance cover alternative treatments like Ayurveda or Homeopathy?

Ans. Yes, there are plans available in SBI Health Insurance that cover alternative treatments like Ayurveda or Homeopathy.

Ques 8. What is the meaning of a No Claim Bonus (NCB) in health insurance?

Ans. NCB is a benefit given to policyholders if they haven’t filed any claims in a policy year, which may increase the sum insured without an additional premium.

Ques 9. Are maternity expenses covered under SBI Health Insurance?

Ans. Yes, SBI Health Insurance has plans available to cover maternity expenses. But you have to serve a waiting period to get coverage for maternity.

Ques 10. Can I port my current health insurance policy to SBI Health Insurance?

Ans. Yes, according to IRDAI guidelines you can port your current health insurance policy to SBI Health Insurance.