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SBI Health Insurance FAQs

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Cancer

  • Are pre-existing cancer-related conditions covered under SBI Health Insurance's cancer plans?

    No, SBI Health does not cover pre-existing cancer-related conditions under their cancer plan. The coverage is only provided after the waiting period is over.

  • Who is eligible for SBI Health Insurance Cancer Plans?

    The eligibility for purchasing an SBI cancer plan is 18-70 years for adults in an individual plan and 91-day-old children to 70-year-old adults in a family floater-based plan.

  • Can I avail of cashless treatment for cancer-related expenses under SBI Health Insurance?

    Yes, SBI Health Insurance provides cashless treatment for cancer-related expenses.

  • Are chemotherapy and radiation therapy covered under SBI Health Insurance cancer plans?

    Yes, the SBI Health Insurance cancer plan provides coverage for chemotherapy and radiation therapy for cancer diagnosed after purchasing the plan. Pre-existing cancer is not covered under SBI Health Insurance plans.

  • Are there any exclusions to be aware of in SBI Health Insurance's cancer plans?

    The only exclusion in SBI Health Insurance’s cancer plan is that it does not provide coverage for advanced-stage cancer and pre-existing cancer diagnosis.

Claim Settlement

  • What are the different claim settlement options offered by SBI Health Insurance?

    SBI Health Insurance offers both cashless and reimbursement claim settlement options to their policyholders.

  • How long does it take for SBI Health Insurance to settle a claim?

    Claims are resolved by SBI Health Insurance in 30 days or less.

  • Can I track the status of my claim online through SBI Health Insurance's website?

    Yes, you can track your claim status on SBI Health Insurance's official website.

  • What documents are required to file a claim with SBI Health Insurance?

    The following documents are required to file a claim, a copy of the claim intimation, original hospital bills, payment receipts, detailed hospital bill breakdown, and pharmacy bills.

  • What steps should I take if my claim with SBI Health Insurance is denied or delayed?

    If your claim is delayed, the first step you need to take is to get in touch with your insurance provider for a follow-up regarding your claim request.

Critical Illness

  • What critical illnesses are covered under SBI Health critical illness insurance?

    Cancer, end-stage kidney failure, primary pulmonary arterial hypertension, multiple sclerosis, major organ transplant, coronary artery bypass grafts (with surgery to divide the breastbone), aorta graft surgery, heart valve surgery, stroke, myocardial infarction (first heart attack), coma, total blindness, and paralysis, are the critical illnesses covered under SBI Critical Illness plan.

  • Can I purchase SBI Health critical illness insurance as a standalone policy?

    Yes, you can purchase an SBI Critical Illness plan as a standalone policy.

  • Are there any age restrictions for enrolling in SBI Health critical illness insurance?

    The SBI Health Critical Illness plan has an age restriction of 18 to 65 years old.

  • Can I pay an extra premium to waive the waiting period for SBI Health critical illness claims?

    Yes, you can pay an extra premium to waive the waiting period for SBI Health Critical Illness claims.

  • Can I add family members to my critical illness insurance policy with SBI Health Insurance?

    No, SBI Health Insurance offers a critical illness plan as an individual plan and not as a family floater plan.

Diabetes

  • What diabetes-related conditions are covered under SBI Health diabetes insurance plans?

    Type 1, Type 2, and gestational diabetes, along with its consequences and treatments, are covered by SBI Health Insurance. Both individual and family floater-based insurance are covered for diabetes.

  • Are there any specific eligibility criteria for enrolling in SBI Health diabetes insurance plans?

    A kid must be three months old and an adult must be eighteen years old to qualify for an SBI Health diabetes plan. The age to exit is sixty-five.

  • Are there any waiting periods for coverage of diabetes-related expenses under SBI Health plans?

    SBI Health Insurance offers diabetes coverage after a 90-day waiting period to their policyholders.

  • Can I receive coverage for insulin and other diabetes medications under SBI Health's diabetes insurance plans?

    Yes, under SBI Health's diabetes-related insurance plans, the policyholder will receive coverage for insulin and other medications.

  • Are routine check-ups and screenings for diabetes covered under SBI Health plans?

    Yes, routine check-ups and screenings for diabetes are covered under the SBI Health plan.

Family

  • Are maternity expenses covered under family floater health insurance policy offered by SBI General Insurance?

    Yes. Maternity expenses are covered under family floater health insurance policy offered by SBI General Insurance.

  • Who all can be included under a family floater health insurance plan offered by SBI General Insurance?

    The Proposer, spouse, dependent children and dependent parents can be covered under the family floater plan offered by SBI General Insurance.

  • What are the benefits of purchasing a family floater health insurance plan from SBI General Insurance?

    Given below are some of the benefits of purchasing family floater health insurance plan from SBI General Insurance-

    • Cover for ambulance charges including air ambulance up to Rs. 1 Lakh
    • Expenses for up to 142 daycare procedures
    • Cover for organ donor expenses
    • Cover for up to 60 days of pre-hospitalisation expenses
    • Cover for up to 90 days of post-hospitalisation expenses
    • Automatic reinstatement of the sum insured
    • Cover for AYUSH treatments
    • Tax benefits

  • What are the sum insured options offered under family floater health insurance plans by SBI General Insurance?

    SBI General’s family floater health insurance plan i.e. Arogya Premier Policy offers sum insured options between Rs. 10 lakh and Rs. 30 lakh.

Feature

  • Do health insurance policies by SBI General Insurance offer lifetime renewability benefit to the policyholders?

    Yes. Health insurance policies by SBI General Insurance offer lifetime renewability benefit to the policyholders.

  • What is the free look period provided under health insurance policies offered by SBI General Insurance?

    SBI General Insurance provides a free look period of 15 days to the policyholders.

  • What are the policy tenure options available under SBI General Insurance policies?

    Most of the health insurance plans offered by SBI General Insurance are available for a tenure of 1 year, 2 years, or 3 years.

General Information

  • Which health insurance policies does SBI General Insurance provide?

    SBI General Insurance, under its health insurance category, offers Arogya Premier Policy, Arogya Plus Policy, Arogya Top Up Policy, Group Health Insurance Policy, Critical Illness Insurance Policy, and Hospital Daily Cash.

  • Why should I invest in health insurance policy from SBI General Insurance?

    SBI General Insurance is a great option to buy a health insurance policy. The insurer not only ensures financial protection of an individual, but an entire family and provides them with the much-desired peace of mind. By investing in SBI General health insurance policy, you can benefit from wide health coverage, direct & hassle-free claim settlement, lifetime policy renewal and numerous other benefits. Overall, you won’t be disappointed with SBI General Health Insurance in any which way.

  • How many network hospitals does SBI General Insurance cover?

    There are 6,000+ well-equipped network hospitals covered under SBI General Insurance.

Help to Buy

  • What is the address of SBI General Insurance?

    The correspondence address of SBI General Insurance is -

    SBI General Insurance Company Ltd.
    "Natraj"
    301, Junction of Western Express Highway & Andheri Kurla - Road,
    Andheri (East) Mumbai - 400 069

  • How can I buy and apply for SBI General health insurance policy?

    SBI General health insurance policy is easy to apply and buy online. You can either visit the official website of SBI General Insurance or InsuranceDekho to apply and purchase the SBI General's health insurance policy that suits your specific needs the best.

  • What is the toll-free customer care number of SBI General Insurance?

    The toll-free number of SBI General Insurance is 1800 221 111.

Individual

  • Do I get any discount if I purchase an individual health insurance policy from SBI General Insurance?

    Yes. You get a discount of 5% for 2-year term and 7.5% for 3-year term if you purchase an individual health insurance policy from SBI General Insurance.

  • Does SBI General Insurance offer any health insurance plan specially designed for individuals?

    Yes. SBI General Insurance offers Arogya Plus Policy which is specially designed for individuals. Though, this policy is also available on a floater basis, but because of lower and accessible sum insured options, it is most desired as an individual policy.

  • What are the sum insured options available under individual health insurance policy offered by SBI General Insurance?

    The individual health insurance policy offered by SBI General Insurance is available in sum insured options ranging from Rs. 1 lakh to Rs. 3 lakh.

Kids

  • What are the benefits of purchasing a health insurance plan for kids from SBI General Insurance?

    Listed below are some of the benefits for kids offered under health insurance plans by SBI General Insurance-

    • Wide scope of cover
    • Flexible plan options
    • Family floater benefit
    • Cover for accidental hospitalisation
    • Cover for domiciliary hospitalisation
    • No need for medical test up to certain age limit depending on the plan opted

  • Are pre and post-hospitalisation expenses covered under health insurance policies for kids?

    Yes. 30 days pre-hospitalisation cover and 60 days post-hospitalisation cover is provided to kids under health insurance plans offered by SBI General Insurance.

  • What are the sum insured options for kids under health insurance plans offered by SBI General Insurance?

    The sum insured options under SBI General Health Insurance - Retail Policy range from Rs. 50,000 to Rs. 5 lakh.

Maternity

  • What maternity-related expenses are covered under SBI Health’s maternity health insurance?

    The expenses covered under SBI Health’s maternity health insurance plans are the delivery of the newborn baby, prenatal, and post-natal medical expenses, lawful medical termination of pregnancy, etc

  • Is there a waiting period for maternity coverage to become effective under the SBI Health plan?

    Yes, SBI Health’s maternity plan has a waiting period ranging from 9 months to 4 years.

  • Can I purchase SBI Health’s maternity health insurance if I am pregnant?

    Yes, you can purchase a maternity plan if you are already pregnant, however, the coverage will only be available after the waiting period.

  • Are prenatal check-ups, delivery, and postnatal care covered under SBI Health’s maternity insurance?

    Yes, the SBI Health Insurance maternity plan covers prenatal, delivery, and postnatal care coverage to their policyholders.

  • Does SBI Health Maternity Insurance cover newborn baby expenses?

    Yes, the SBI Health Insurance maternity plan covers newborn baby treatment costs.

  • Does SBI Health Maternity Insurance cover normal and cesarean deliveries?

    Yes, SBI Health Insurance’s maternity plan provides both normal and cesarean deliveries under their coverage.

Parents

  • Does SBI General Insurance offer any health insurance plan specially designed for parents?

    Yes. Health Insurance Policy-Retail by SBI General Insurance is the right choice for the parents.

  • What is the maximum age limit to purchase health insurance cover for parents from SBI General Insurance?

    Parents can purchase a health insurance policy from SBI General Insurance up to the age of 65 years.

  • What are the benefits of purchasing health insurance for parents from SBI General Insurance?

    Listed below are the benefits of purchasing health insurance plans for parents from SBI General Insurance-

    • Cover for domiciliary hospitalisation
    • Cover for selected daycare procedures
    • Ambulance charges up to a certain limit
    • Cover for in-patient hospitalisation expenses
    • Parental care expenses for parents over 60 years of age

Plan Coverage

  • What types of health insurance plans does SBI Health offer?

    SBI Health Insurance offers individual, family floater, senior citizen, maternity, top-up plans, etc.

  • Does SBI Health offer any health insurance plans specifically designed for athletes or people with active lifestyles?

    No, SBI Health does not offer any specific plans for athletes or people with active lifestyles. However, they offer healthy people bonuses and benefits during the renewal of their health policy.

  • Can I get a discount on my SBI Health premium if I have a healthy lifestyle?

    Yes, SBI Health Insurance offers bonuses or discounts on premiums while renewing their policy for a person with a healthy lifestyle.

  • Does SBI Health cover alternative therapies like Ayurveda or homeopathy for certain conditions?

    Yes, SBI Health Insurance offers AYUSH treatments for certain conditions.

  • Can I pay my SBI Health insurance premiums in installments?

    Yes, you can pay your premium in instalments with SBI Health Insurance. It is only offered on a monthly, quarterly, half-yearly, or annual basis, though.

Portability

  • What are the benefits of health insurance portability for the policyholders?

    In case of health insurance portability, the policyholders can port the following accrued credits-

    • General waiting period
    • Any time bound exclusions
    • Waiting periods for pre-existing diseases or conditions

  • When can I port from one policy to another?

    You can port from one policy to another when your current policy is due for renewal.

  • Can I port any other policy into an SBI General policy?

    Yes. But remember that portability is applicable only within similar products.

Premium

  • Does SBI Health offer any discounts on premiums for groups (e.g., companies, associations)?

    Yes, while purchasing group health insurance, businesses or associations can receive discounts from SBI Health Insurance.

  • How much is the annual premium for SBI health insurance?

    Your options for plans will determine the premiums. Age, underlying medical issues, etc. are other factors.

  • Can we pay the SBI health insurance premium monthly?

    Yes, you can pay SBI Health Insurance premium monthly.

  • What is the maximum limit for SBI health insurance premiums?

    The SBI Health Insurance plan's premium may vary based on factors like age, add-ons, and pre-existing medical problems. It also depends on the kind of plan that you can buy.

  • Can I choose a deductible option to lower my SBI Health Insurance premium?

    Yes, SBI Health Insurance allows you to reduce your premium by selecting a greater deductible. However, you should only choose this course of action if you are healthy and free from significant illnesses or medical conditions.

Renewal

  • What is the grace period for SBI health insurance renewal?

    SBI Health Insurance gives its policyholders a grace period of 30 days to renew their coverage.

  • Can I renew my SBI health insurance after expiry?

    Yes, it is possible for a policyholder to renew their coverage after it has expired, but only within the grace period.

  • Can I renew my SBI health insurance policy before the renewal date?

    A policyholder can renew their coverage before the renewal date. They can renew their policy 15 days before the renewal date under SBI Health Insurance.

  • Can I switch to a different plan during the renewal process with SBI Health Insurance?

    Yes, you can make modifications to your SBI Health Insurance coverage when renewing your current insurance.

  • Can I adjust my sum insured amount during the renewal process with SBI Health Insurance?

    Yes, you can change the amount of your sum insured at renewal if you decide to add to or subtract from your existing policy.

Senior Citizen

  • What is the age criteria for senior citizens under health insurance plans offered by SBI General Insurance?

    The senior citizens can be covered under health insurance plans offered by SBI General Insurance up to 65 years of age.

  • What are the benefits of purchasing heath insurance plan for senior citizen from SBI General Insurance?

    Listed below are the benefits of purchasing a health insurance plan for senior citizen from SBI General Insurance-

    • Cover for OPD expenses
    • In-patient hospitalisation cover
    • Domiciliary hospitalisation cover
    • Up to 142 daycare procedures covered
    • 60 days pre-hospitalisation expenses covered
    • 90 days post-hospitalisation expenses covered
    • Emergency ambulance cover up to a certain limit
    • Reimbursement of alternative treatment under AYUSH

  • What is the policy tenure for senior citizen health insurance plan offered by SBI General Insurance?

    The health insurance policy for senior citizen offered by SBI General Insurance is available for policy terms of 1 year, 2 years, and 3 years.

Tax Benefit

  • Do I need any documents from SBI Health to claim tax deductions for my health insurance premiums?

    Yes, to claim the tax benefits under Star Health Insurance, some documentation is needed, such as proof of payments for preventive health checkups and medical insurance premiums.

  • Is there a maximum limit on the amount I can claim for tax deductions on SBI Health insurance premiums?

    The policyholder's maximum allowable tax deduction is Rs. 25,000 for themselves and their dependents, and Rs. 50,000 for senior persons.

  • Can I claim tax benefits if I pay SBI Health premiums annually but file my taxes half-yearly?

    No, tax benefits are only available for SBI Health Insurance premiums paid annually.

  • Can I claim tax benefits for SBI Health insurance premiums paid through a Health Savings Account (HSA)?

    Indeed, premiums paid for SBI Health Insurance through a Health Savings Account (HSA) are tax deductible for policyholders.

  • Are there any restrictions on claiming tax benefits for health insurance premiums if I am an NRI (Non-Resident Indian) with SBI Health insurance?

    No, NRIs are not subject to any limitations on the tax advantages associated with their SBI Health coverage premium.

Top-up

  • Can I purchase a top-up health insurance plan from SBI Health Insurance if I already have a health insurance policy?

    Yes, if you have base insurance with SBI Health Insurance and want additional coverage, you can buy a top-up.

  • Can I claim for pre-existing conditions under an SBI Health Top-Up plan?

    Yes, you can claim coverage for pre-existing conditions under the SBI Health Top-Up plan. However, the coverage is only available after a certain waiting period.

  • What happens if my claim amount exceeds both my base plan coverage and the Top-Up plan sum insured?

    The policyholder is expected to pay the remaining amount out of pocket when the cost exceeds both the basic plan and the top-up plan.

  • Does an SBI Health Top-Up plan cover hospitalisation expenses outside India?

    No, the SBI Health Top-Up plan does not cover hospitalisation expenses outside India.

  • Can I customise my SBI Health Top-Up plan with additional riders?

    Yes, an insurance holder may include riders in their SBI Health top-up plan under their particular requirements.

Woman

  • Is there any women-centric health insurance plan offered by SBI General Insurance?

    Yes. SBI General Insurance offers women-centric health insurance plan, i.e. Arogya Plus Policy.

  • What are the benefits of purchasing women-oriented health insurance plans from SBI General Insurance?

    Given below are the benefits of purchasing women-oriented health insurance plans:

    • Cover for in-patient medical expenses
    • Cover for maternity expenses up to OPD limit
    • Cover for up to 142 daycare procedures
    • 60 days pre-hospitalisation cover
    • 90 days post-hospitalisation cover
    • Emergency ambulance cover up to a certain limit

SBI Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Top-up (1)
Name of PlanSum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years1 Lakh Check Premium

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  • Customer service is great

    SBI Health Insurance has shown me to be a trustworthy ally during my medical journey. It was easy to go through InsuranceDekho's extensive coverage options and select the best plan for me. I appreciate their commitment to customer satisfaction and the kind, helpful personnel that is always on hand to handle my issues. I know my health is being taken care of with SBI Health Insurance.

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    On: Jun 27, 2024
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    Through InsuranceDekho, I was able to obtain SBI health insurance, and thus far, everything has gone well. The claims procedure is simple, and the coverage is comprehensive, covering a wide range of necessary health treatments. When I need support, the customer service staff is always there to help. I feel confident in my coverage and am overall extremely delighted with my purchase.

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    On: Jun 18, 2024
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    InsuranceDekho made buying SBI Health Insurance a breeze. I had no trouble comparing plans, thanks to their user-friendly interface and detailed information. The assistance I received was top-notch, guiding me every step of the way to ensure I made an informed decision. Overall, it was a seamless and satisfying experience.

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    By Anurag Shashwat
    On: Jun 18, 2024
  • Easy Claim Process

    I recently bought the SBI Health Insurance from InsuranceDekho and had an excellent experience with it. During challenging times, the straightforward and hassle-free claim submission process was a huge relief. Furthermore, their customer service representatives were always there to assist and direct me with any queries or issues I encountered.

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    On: Jun 06, 2024
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    Finding insurance was made simple by InsuranceDekho! After entering my information, I was presented with a list of possibilities. I got the finest deal when I purchased security for my family and myself because SBI health insurance covered us.

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