SBI Health Insurance Plans

Some of SBI Health's most notable features are listed below:[1]

To satisfy the requirements and wants of customers, SBI Health provides a variety of health insurance plans, including the following:[1]

• Family Health Insurance Plans: SBI family health insurance plans enable you to combine your family's medical expenses into a single, comprehensive policy. This plan protects you, your spouse, your children, and your dependent parents. SBI Health offers family health insurance that meets the medical needs of your entire family without having to buy several plans.
• Health Insurance Plans for Individuals: SBI Health provides health insurance plans tailored to meet the specific medical needs of each individual. This insurance pays for hospital stays, diseases, accidents, and other health-related issues. Furthermore, individual plans offer coverage that is customised to the policyholder's age, medical history, and other requirements.
• Senior Citizens Health Insurance: These plans are designed especially for those 60 years of age and above, as the name suggests. Altered with the unique requirements of elderly citizens, these plans address a variety of healthcare demands, including pre-existing medical conditions, chronic illnesses, and age-related concerns.
• Group Health Insurance: This plan is provided by SBI Health to a wide range of individuals, including members of the general public, employees of companies, and members of organisations. These plans provide complete coverage for all group members at a far lower cost than individual plan rates. Furthermore, reimbursements and other benefits are often included in employer-sponsored health insurance.
• Maternity Health Insurance: Prenatal care, delivery, postpartum care, and new-baby care are among the expenses covered by this plan. This plan also covers the cost of birth control pills, hospital stays, doctor visits, and diagnostic tests.
• Plans for Critical Illness Health Insurance: These insurance plans offer protection against life-threatening conditions including cancer, heart attacks, and other disorders. The insurance will pay a lump sum amount to cover treatment-related medical expenses if it is agreed that the policyholder is already covered for the specified serious illness, under the plan.
• Plans for Top-Up Health Insurance: These plans offer additional coverage above and beyond the advantages of your existing policy. SBI's top-up insurance takes effect when medical expenses exceed the maximum amount paid by your primary medical coverage. With these plans, you may improve your health insurance coverage at a reasonable rate without seeing a significant rise in premiums.

The table below provides a summary of every SBI Health Insurance plan:

The details of every plan mentioned above are as follows:

1. SBI Health Edge

The Health Edge plan from SBI Health Insurance provides wide medical coverage created to fulfil various healthcare requirements. The plan includes hospitalisation fees, pre- and post-hospitalisation expenses, and childcare treatments, assuring that most medical conditions are covered. In addition, it provides annual health check-ups and covers complementary treatments like AYUSH. If you do not file for claims throughout the year, the plan offers a no-claim bonus that increases your coverage. The additional benefit of adding critical illness coverage and ambulance costs is yet another feature SBI Health Edge provides. With the help of this plan, families and individuals will have a strong safety net and access to affordable healthcare.[2]

2. SBI Aarogya Sanjeevani

SBI Aarogya Sanjeevani Health Insurance Plan is an affordable choice that provides full coverage for medical costs. It pays for the expenses of being hospitalised, such as treatment costs, ICU fees, and room rent. It also covers costs for up to 30 days before hospitalisation and up to 60 days following hospitalisation. Daycare procedures and non-allopathic treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy are also covered under the plan. The no-claim bonus is a notable feature that raises the insured amount by 5% for each year without a claim, up to a maximum of 50%. In addition, it covers cataract surgery up to a certain amount, which makes it a great option for people and families looking for affordable, all-inclusive health insurance.[3]

3. SBI Aarogya Top-Up

When your base health insurance is exhausted, the SBI Health Insurance Aarogya Top-up Plan offers extensive coverage at a reasonable rate. You can add family members to the same plan and change the deductible amount. High coverage, tax savings under Section 80D, and access to a wide network of hospitals for cashless care are among the benefits of this plan. Arogya Top-Up Plan is a reasonably priced plan to boost your current health insurance because it covers in-patient hospitalisation, pre- and post-hospitalisation costs, childcare operations, and ambulance charges.[4]

4. SBI Critical Illness Insurance Policy

If you are diagnosed with a serious illness such as cancer, heart attack, or renal failure, you can receive financial protection with SBI Health Insurance's Critical Illness Insurance plan. If any of the specified serious illnesses are diagnosed, this coverage provides a lump sum benefit to aid with medical costs.

The plan ensures you have the money for treatment and recovery without exhausting your savings by covering a variety of critical medical illnesses. This plan offers additional assurance during difficult times and is different from any other health insurance you may have. Before beginning to cover diseases, the Critical Illness Insurance Policy often includes a waiting period and a medical examination. It's designed to provide you comfort in knowing that you're covered financially in case of serious health problems.[5]

5. SBI Divyanga Suraksha

SBI offers Divyanga Suraksha, a health insurance program designed especially for people with disabilities. It provides financial security against unintentional injury-related medical costs. Hospitalisation expenses are covered by the plan, including lodging, physician, and surgical costs.

It also covers daily hospitalisation expenses and perks for emergency ambulance services. To guarantee complete assistance, the policy also covers pre-existing conditions after a waiting time. In addition, the plan provides a lump sum payout if an accident causes death or severe disability. Through Divyanga Suraksha, SBI hopes to give disabled people financial security and peace of mind while also assisting them in properly managing healthcare expenditures.[6]

6. SBI Surrogacy Suraksha Policy

For those looking to grow their families through surrogacy, the SBI Health Insurance Surrogacy Suraksha Policy is designed with them in mind. It covers a variety of surrogacy-related medical costs, such as fertility procedures, hospital stays, and the surrogate mother's prenatal and postpartum care. Consultations, diagnostic tests, prescription drugs, assisted reproductive technologies (ART), and delivery fees are important elements. By offering complete medical care during the procedure, this insurance seeks to lessen the financial burden that comes with surrogacy. Since the details of coverage might change, it's crucial to go over the exact terms and conditions.[7]

7. SBI Super Health Insurance

The Super Health Insurance policy from SBI is considered to offer both individuals and families extensive medical coverage. High coverage limits, room rent, and coverage for a variety of medical costs, including hospitalisation, pre- and post-hospitalisation, and childcare services, are some of the main advantages. It also provides a no-claim bonus for each year without a claim, as well as coverage for critical illnesses and ambulance expenses. Coverage for contemporary therapies, organ donation costs, and maternity benefits (after a waiting period) are included. Policyholders can also benefit from free annual health check-ups and cashless medical care at a wide range of healthcare providers. The goals of this plan are to improve general health and well-being and lessen financial strain during medical crises.[8]

8. SBI Hospital Daily Cash Insurance Policy

The Hospital Daily Cash policy from SBI Health Insurance helps pay for additional expenses such as transportation, meals, and other non-medical charges by providing a predetermined daily cash benefit for each day of hospitalisation. A fixed daily financial fee, with a larger payout for ICU stays, is one of the main perks. Additionally, a recovery benefit pays an additional lump payment if hospitalisation lasts longer than a predetermined number of days. This policy offers financial help beyond conventional medical expenses by providing customisable coverage alternatives to fit individual requirements.[9]

9. SBI Aarogya Plus Policy

Comprehensive coverage, including inpatient hospitalisation, outpatient treatments, and daycare operations, is provided under the SBI Health Insurance Arogya Plus insurance. It pays for emergency ambulance services and gives you the freedom to select any hospital room without any rent restrictions. In addition, without requiring hospitalisation, the coverage covers costs for physician consultations, diagnostic testing, and prescription costs. Benefits cover medical expenditures spent 30 days before and 60 days following hospitalisation, including pre- and post-hospitalisation charges. It also has no co-payment requirements, which means the coverage pays the entire claim amount and free yearly health check-ups. You may insure every member of your family under a single policy with a family floater option, providing financial stability for both regular medical requirements and unforeseen medical crises.[10]

You have to fulfill several conditions to be eligible to purchase a health insurance plan from SBI:

1. Age Requirements

• The proposer must be 18 years of age.
• Depending on the plan that SBI Insurance offers, a kid must be insured at a different age for family floater policies, which combine numerous family members under one policy.

2. Waiting Period

• Before using the coverage, there is a 30-day waiting period. In the event of an emergency, however, this waiting period is waived.
• The four years are dedicated to pre-existing diseases waiting time.
• A 9-month waiting period is also in place for maternity benefit cover.

3. Additional Conditions

• From 500 to 2 crore, there is a broad variety of insured amounts available.

• The two additional benefits provided by SBI Insurance plans are cumulative bonuses and plans for disabilities.
• Due to SBI's efforts, each customer's health insurance plan is customised to match their specific needs.

You have the option of purchasing the SBI Insurance plan online or offline, depending on what suits you best. The details of the two options are as follows:

Online Process

To purchase the SBI Insurance plan online, go to the InsuranceDekho website or the insurer's website:[11]

Purchase Medical Insurance With InsuranceDekho

Take the following steps to obtain your health insurance coverage on the official InsuranceDekho website:

Step 1: Enter your information on the InsuranceDekho website.

First, go to the InsuranceDekho health insurance website and fill out this form with your name and phone number.

Step 2: Pick the Ideal Plan

Next, select the best SBI insurance plan from the available possibilities. Verify that the things you choose meet your demands and stay within your means.

Step 3: Coverage Cost

After that, fill out two forms with your information and answer a few questions about your health. You will also need to supply a few papers and pay the fee.

Step 4: Obtain Assistance Following Payment

After you've paid the payment for the SBI insurance of your choice, an InsuranceDekho manager will contact you to help with any policy-related concerns.

Note: If you have any issues regarding SBI Health Insurance you can always connect with InsuranceDekho’s advisor at 7551196989, you can also email us at support@insurancedekho.com.

Get a Health Insurance Policy on the Provider's Website

The following are the quickest and most straightforward ways to get SBI insurance straight from the insurer's website:[1]

Step 1: Visit the insurer's website

Go to the official SBI Insurance website to complete the application process and send in the required documents.

Step 2: Execute the Prior Actions.

Observe the guidelines provided in the part of the page titled “Purchase Medical Insurance with InsuranceDekho." To get your coverage, follow the instructions on the official SBI Health Insurance website.

Offline Process

Follow these procedures to receive customised assistance from your InsuranceDekho relationship manager when you buy your SBI health insurance policy:

Step 1: Add Information to the Website

At www.insurancedekho.com, provide the required details, such as your age, pin code, and phone number.[11]

Step 2: Comparing the Available Plans

After providing your details, you will be given a list of the top SBI health insurance policies.

Step 3: Request a Recall

On the plan page, you may make changes to your query and request a callback if you need any more help. A customised support visit from an InsuranceDekho relationship manager can be arranged if you want more assistance.

Obtaining these documents is necessary to receive SBI Health Insurance:

• An identity document that has been filled up and signed, such as a passport, driver's licence, voter card, PAN card, or report card from grades 10 or 12,
• Proof of residency in the form of an Aadhar card, voter card, electricity bill, passport, or driver's licence
• Any medical documents that the insurance company requests
• Passport-sized photos

The table below highlights the variations among the four Arogya variants:[12]

Note: The various SBI health insurance policies might differ from one another. The table above compares the many iterations of the most popular SBI Health plan, the Arogya Plan.

If you wish to enhance your health insurance coverage with SBI Health Insurance, here's how to swiftly upgrade your plan with InsuranceDekho:

• At the Time of Renewal

When it comes time to renew your SBI health insurance, you have a great opportunity to get more coverage. With InsuranceDekho, you may increase the maximum amount covered or add extra riders to your SBI medical insurance policy to improve your coverage. During the renewal process, you are welcome to review your existing coverage and discuss any changes that will better match your current medical requirements with us.

• In Between

You don't have to wait until it's time for your policy to renew to make changes to your SBI health insurance plan. You may do this at any time. If your needs for healthcare change or you find that your existing coverage is insufficient, get in touch with the InsuranceDekho customer service staff to explore your options for an upgrade.

• Portability Benefits

Use InsuranceDekho's portability feature to enhance your coverage if you're considering switching from another health insurance provider to SBI Health Insurance. Policyholders may transfer their existing health insurance policy to a new plan and retain certain advantages, such as coverage continuity and waiting period credit, by using this provision.

[1]https://www.sbigeneral.in/health-insurance/explore-plans

[2]https://content.sbigeneral.in/uploads/282171a1c5be48c79563312886aba812.pdf

[3]https://content.sbigeneral.in/uploads/f0fae47276e445058a45299505da7577.pdf

[4]https://content.sbigeneral.in/uploads/702c3f95831a45a2af8135b2e70d8693.pdf

[5]https://content.sbigeneral.in/uploads/f84dba18192d44cab42a3d1ff595ea25.pdf

[6]https://content.sbigeneral.in/uploads/d37d301b156f4fdbaa6418b75c28d249.pdf

[7]https://content.sbigeneral.in/uploads/bf0ae05f35a447b9a18dffaa51da8bea.pdf

[8]https://content.sbigeneral.in/uploads/8b12298872ba4bada50d1507a45f14fb.pdf

[9]https://content.sbigeneral.in/uploads/bb7c63dff34c4fe5ab81b0021a14a900.pdf

[10]https://content.sbigeneral.in/uploads/353da85eddd04f7a9306ec8cff170f13.pdf

[11]https://www.insurancedekho.com/health-insurance

[12]https://www.sbigeneral.in/product