SBI General Health Plan Benefits, Feature, Buy & Reviews

SBI General Health Plan – SBI General Health Insurance helps you find beneficial health insurance plans that will cover all of your medical and financial expenses as well as help you save money. In today’s world, health insurance is the most important thing. Since purchasing a health insurance plan can be difficult, you can easily compare plans at Policybazaar.com. You can use the SBI Health Insurance customer reviews as a source of additional information to decide whether or not to purchase the health insurance plan.

Looking for affordable health care that meets your specific needs? SBI General Health Plan is here to help! With plans that cover a wide range of medical services, from preventive care to in-patient treatment, we’re sure you’ll find the right plan for you. Plus, our expansive network of providers means you’re sure to find the best possible care. So whether you’re looking for general insurance or specialty health care, SBI General Health Plan is the perfect choice for you!

SBI General Health Plan

State Bank of India Health Insurance Plans are the best for protecting you and your family from all angles. By paying a low premium, State Bank of India Health Insurance Plans safeguards your hard-earned savings from rising medical costs. There are many different kinds of health insurance plans, including Corona Kavach, Arogya Sanjeevani, Arogya Premier, Arogya Plus, Arogya Top-up, Retail Health Insurance, Critical Illness Insurance, Hospital Daily Cash Insurance, Group Health Insurance, and others. SBI Health Insurance Plans covers everything from hospitalization to daycare procedures to medical care at home (domestic hospitalization), ambulance costs, and more during and after hospitalization.

If you’re looking for a comprehensive and affordable healthcare plan, you should definitely consider the SBI General Health Plan. This plan offers a wide range of benefits, including coverage for hospitalization, medical procedures, dental care, and much more. Plus, it’s easy to use – just open a bank account with SBI and you’re good to go! With the SBI General Health Plan, you’ll be able to take care of your health needs without having to worry about hefty premiums or complicated healthcare plans.

SBI General Health Plan

SBI General Health Plan Details

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About SBI General Health Plan

SBI General Insurance Company Limited was established in 2010 as a joint venture between Insurance Australia Group (IAG) and State Bank of India. The general insurance company will be a joint venture between SBI, Napean opportunities LLP, Honey Wheat investment limited, PI Opportunities Fund-1, and Axis New Opportunities AIF-I after the stake sale of IAG in 2020. The insurer provides a wide range of general insurance products for businesses, including personal injury, home health, travel, and automobile accidents.

One of the insurer’s most promising offerings is health insurance. In the event of an accident or illness, SBI Health Insurance plans provide protection for individuals and families against a variety of healthcare costs. Plans offered by SBI Health Insurance are affordable and available to all. The insurer strives to fulfill its mission of providing simple and innovative general insurance solutions, being responsive to customers’ needs, and establishing a long-term sustainable business with the goal of becoming India’s most reputable general insurer.

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Top SBI General Health Plan Types

SBI Health Insurance has a variety of plans for health insurance that can meet the different needs of individuals and families. The five best health insurance plans offered by SBI Health Insurance are as follows:

If you’re looking for a comprehensive health insurance plan that covers a wide range of medical services, you’ll want to consider a SBI General Health Plan. There are several types of SBI General Health Plans to choose from, each with its own benefits and restrictions. In this article, we’ll outline the different types of SBI General Health Plans and help you decide which one is right for you.

1. SBI Arogya Plus Policy:

SBI Arogya Plus Policy is an indemnity based health insurance policy that offers cover against medical expenses to individuals and families. You can be covered under this policy if you are aged between 3 months and 65 years, for several coverage features including domiciliary hospitalization expenses, in-patient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, daycare expenses, ambulance expenses, and alternative treatments. Sum insured options available under the policy range between Rs. 1 lakh and Rs. 3 lakh.

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

2. SBI Arogya Premier Policy: 

SBI Arogya Premier Policy covers individuals and families against medical expenses. Available for 1 year, 2 years, and 3 years, the policy covers you against domiciliary hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, in-patient hospitalisation expenses, alternative treatment, and ambulance expenses. The policy comes without any sub-limit and offers you a cumulative bonus of 10% of the sum insured for every claim-free year for up to 50%. People aged between 3 months and 65 years can be covered under this policy for sum insured options of Rs. 1 lakh, Rs. 2 lakh, or Rs. 3 lakh. You can also include your spouse, dependent children, parents, and parents in law under this 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

3. SBI Arogya Top-Up Policy:

When your medical expenses exceed your current health insurance policy’s sum insured, you can take advantage of the SBI Arogya Top-Up Policy, which provides you with additional insurance coverage. There are sum insured options for the policy, ranging from Rs. 1 million to Rs. 50 lakh, with a deductible ranging from Rs. Rs. 1 lakh and 10 lakh. It covers daycare costs, in-patient costs, pre-hospitalization costs, and post-hospitalization costs, among other medical expenses. You can purchase this policy for one year, two years, or three years and pay the appropriate premium.

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

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4. SBI Critical Illness Insurance Policy: 

You are covered by the SBI Critical Illness Insurance Policy against 13 critical illnesses, including open heart replacements, stroke, coma, total blindness, and aorta graft surgery. There are two-term options for the policy: three years and one year. This policy is available for purchase with sum insured options ranging from Rs. Rs. 2 lakh and 50 lakh, depending on your needs. This policy has a 65-year age limit for entry.

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 Up until the age of 45, no medical examination is required. However, the requirement may be affected by age, medical history, and the amount of coverage selected.
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

5. SBI Hospital Daily Cash Policy: 

You will receive a fixed benefit from the SBI Hospital Daily Cash Policy for each day that you are in the hospital, regardless of the actual cost of your medical care. As a result, it shields you from costs like travel and food that are not covered by your health insurance. You have two choices for coverage under the policy: 60 days and 30 days of coverage, respectively.

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

COVID-19 Coverage Under SBI General Insurance

The majority of the health insurance plans offered by SBI General Insurance Company include coverage for hospital costs incurred as a result of a positive COVID-19 diagnosis. Corona Kavach Policy and Corona Rakshak Policy, for example, are two of these plans designed specifically to cover these costs. The following are examples:

Corona Kavach Policy:

The Corona Kavach Policy is a health insurance policy for short periods of time that can be purchased with a single premium. Depending on your needs, you can purchase it for 3.5, 6.5, or 9.5 months. This policy is available for purchase by individuals aged 18 to 65, with sum insured options ranging from Rs. 50,000 and Rs. 5 Lakh. A COVID-19 positive diagnosis is covered by this indemnity-based health insurance policy for hospitalization costs. Coverage for AYUSH treatments, road ambulance costs, home care costs, pre- and post-hospital costs, in-patient hospital costs, and other expenses are additional benefits of purchasing the policy. Under Section 80D of the Income Tax Act of 1961, you can get tax benefits on the premium you pay for this affordable policy.

Corona Rakshak Policy:

The Corona Rakshak Policy, a benefit-based health insurance policy that compensates you in the event of a positive COVID-19 diagnosis, is another health insurance policy offered by SBI General Insurance. It is available for 3.5, 6.5, or 9.5 months. In the event of a positive diagnosis, you will receive a lump sum payment through the policy, which comes at a cost. Under Section 80D of the Income Tax Act of 1961, you can also get tax breaks on the policy’s premium.

Premium Number cruncher for SBI Medical coverage Plans

The online premium calculator makes it easy and quick to determine the SBI health insurance plan’s premiums. To instantly calculate the premium online, all you need to do is provide some of your fundamental information, such as your name, age, contact information, health-related information, and coverage requirements. The premium is effectively and instantly calculated by the online premium calculator using the information you provide.

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How to Purchase SBI Medical coverage Plans?

SBI health insurance plans can be purchased both online and offline. Offline plans can be purchased through insurance advisors or directly from the insurance company at branch offices. With a straightforward buying process, SBI health insurance plans available on the digital platform are more convenient to purchase from their company’s website.

However, purchasing a SBI health insurance policy is simplest when done online, where you can compare a number of similar plans and select the most suitable one from SBI. The straightforward method for purchasing SBI health insurance plans online is as follows:

  • Go to and pick the class of protection plan that you would need to buy
  • To purchase a wellbeing plan, you really want to
  • Share your profile subtleties which would incorporate –
  • Orientation
  • Age
  • Age of the individuals whom you need a cover
  • Data about prior ailments
  • The yearly pay level of the family
  • Are PIN code
  • You can choose the best appropriate arrangement after examination
  • When you pick the arrangement, you really want to fill in the web-based application structure
  • When the subtleties are filled, continue for premium installment on the web
  • When the application is filled and installment is finished, you can purchase the arrangement without any problem

The Recharging System for SBI General Wellbeing Plan

Restoring a SBI health care coverage strategy is a straightforward and fast cycle. Following are the means for reestablishing the strategy online through the organization’s site –

  • Login to SBI General Insurance Agency’s site and snap on ‘restore online’ choice in the landing page under health care coverage class
  • Give your arrangement subtleties and pay the premium on the web.

SBI health care coverage plans can likewise be reestablished through on the web. On the off chance that you have bought a strategy through , you would have client qualifications. Sign in with your client subtleties and access the current strategy subtleties on the entryway. Click on the ‘recharge’ choice and pay the restoration premium on the web. Your approach would be restored without any problem.

Claim Process for SBI Health Insurance Plans

The case interaction for SBI health care coverage plans is straightforward and speedy. SBI General Protection gives nonstop call help for claims support and advantageous advanced stage for guarantee enlistment. The interaction changes relying upon the sort of wellbeing guarantee you are making. Following is the basic interaction for wellbeing claims –

Cashless health insurance claim process

In the event that you take confirmation at an organization clinic of SBI General Insurance Agency, coming up next is the cycle to be followed for the credit only case –

  • The credit only solicitation should be submitted to TPA (Outsider overseer) of SBI General Insurance Agency Restricted. In the event of arranged confirmation, the solicitation should be submitted 48 hours ahead of time to the affirmation. In the event of crisis confirmation at the medical clinic, the solicitation should be submitted to TPA in something like 24 hours of affirmation at the emergency clinic
  • TPA of SBI General Insurance Agency will audit every one of the underlying archives put together by the medical clinic specialists alongside credit only case demand
  • When the credit only case demand is supported by the insurance agency, further archives are to be created by the medical clinic to handle the case
  • When every one of the reports are checked, the case sum will be straightforwardly settled with the organization medical clinic

Reimbursement health insurance claim process

On account of the clinical therapy profited at a medical clinic which is excluded from network emergency clinic of SBI General Insurance Agency, clinical costs can be guaranteed by means of the repayment interaction. Following cycle should be followed for guarantee repayment –

  • Take confirmation at the non-network emergency clinic of the insurance agency and settle the bill out of your pocket
  • Gather every one of the first records from the emergency clinic
  • Register the case with SBI General Insurance Agency by submitting unique records got from the emergency clinic alongside appropriately filled and marked guarantee structure and other significant reports, if any
  • TPA of SBI General Insurance Agency will examine every one of the records and update the guaranteed on status of a case
  • When the case is endorsed, the installment of guarantee will be made inside a predetermined time span by SBI General Insurance Agency Restricted

Reports Expected for SBI Health care coverage Cases

The SBI Insurance has started releasing reports on the health care coverage cases that have been filed with them so far this year. The reports state that the number of health care coverage cases has increased by almost 15% from last year. The reason for the increase is not clear yet, but it is possible that the healthcare reform law may be to blame. If you have any questions about your health care coverage or if you have filed a health care coverage case with the SBI Insurance, please don’t hesitate to contact them.

Following are the records expected for SBI medical coverage claims –

  • Properly filled and marked guarantee structure
  • Therapy papers and clinical professional’s solution
  • Conclusion reports (ECG/Output/X-beam, Lab test reports and so forth)
  • Container duplicate of protected
  • Release declaration with unique doctor’s visit expenses and receipts given by medical clinics, symptomatic focuses, specialists and drug stores
  • Police First Data Report duplicate for mishap cases
  • Duplicate of wellbeing card
  • For repayment cases, furnish bank subtleties alongside check duplicate containing every one of the subtleties (account number, IFSC code and name and so on)

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