SBI General Health Plan Benefits, Feature, Buy & Reviews

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

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

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

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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

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

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.

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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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

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

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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