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SBI Health Insurance Renewal

Renewal of an SBI health insurance policy is the process by which policyholders extend the coverage of their existing plan for an additional term, typically one year. This annual renewal is crucial to ensure continuous protection against medical expenses and to prevent any gaps in coverage.

During the renewal process, policyholders are required to pay the renewal premium, which may vary based on factors like age, health condition, and coverage adjustments. This period also provides an opportunity to review and update the policy, considering any changes in health status or desired modifications in coverage.

Additionally, policyholders may benefit from a no-claim bonus if they haven't made any claims during the previous term. It's essential to renew within the stipulated time frame or the grace period to avoid disruptions in coverage.

Learn more about SBI medical insurance policy renewal here.

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Factors Affecting SBI Health Insurance Renewal Premium

Your SBI health insurance renewal premium is affected by the following factors:

  • Age Influence: Your age is a key factor in determining the renewal premium for your SBI health insurance. Generally, as you age, you may face higher renewal premiums. This is because older individuals are more prone to health issues and may require more frequent medical services.
  • Inflationary Impact: The renewal premium for your SBI health insurance Plan may be adjusted to account for the impact of inflation in the healthcare industry. If the overall costs of healthcare services rise due to inflation, the health insurance company may increase your renewal premium to maintain coverage in the face of increased expenses.
  • Claims Track Record: The frequency with which you file insurance claims can influence the cost of renewing your SBI health insurance. If you have a history of frequent claims, the insurance company may perceive you as a higher risk. This higher risk could result in an increased renewal premium.
  • Policy Adjustments: Any modifications made to your SBI health insurance policy, such as enhancing coverage, adding riders, or incorporating additional features, can directly impact your renewal premium. These adjustments may increase the overall cost of renewing your insurance.

SBI Health Insurance Renewal Date & Reminders

The details of the SBI health insurance renewal date and reminders are included below:

How to Check the Renewal Date?

Following are the ways that can help you check the renewal date of your SBI medical insurance policy:

  • Examine Policy Document: Conduct a thorough examination of your SBI Health Insurance document. This document explicitly provides information about the policy's renewal date. Pay close attention to the details presented in the document, as this will serve as a primary reference point for understanding when your insurance coverage needs to be renewed.
  • Visit the Website: Visit either the InsuranceDekho or SBI Health Insurance website. Upon arrival, log in to your account, where you can access a range of policy details, including the renewal date.

Reminder Options

You can be notified about your SBI policy renewal date with the following reminder options:

  • InsuranceDekho Reminder: InsuranceDekho's timely reminders are conveniently delivered through easily accessible channels such as WhatsApp messages or emails. This approach ensures that you stay well-informed and can plan for the policy renewal.
  • Insurer's Email or SMS: Alternatively, you can expect to receive notifications via email or SMS from the insurer. This ensures that you are always aware of when your SBI health insurance policy is approaching its expiration date.

Advantages of Policy Renewal

The advantages of renewing your policy with SBI encompass the following:

  • Complimentary Health Checkup: SBI provides a complimentary health checkup as part of the policy renewal process. This complimentary checkup serves as a valuable tool for monitoring your health and identifying potential issues early on.
  • Continuous Coverage: Choosing to renew your SBI medical insurance policy ensures the uninterrupted continuation of your insurance coverage. This translates to ongoing protection against unforeseen events.
  • Wellness Benefits: Renewing your policy with SBI may grant you access to various wellness benefits. These can include services that promote a healthy lifestyle, such as fitness programs, wellness apps, or expert advice aimed at maintaining overall well-being.
  • Discounts for Long-Term Tenure: Renewing your policy for an extended period can result in discounts. By committing to maintaining your insurance with SBI over a long duration, you have the opportunity to enjoy cost savings through special discounts.
  • No Claim Bonus (NCB): For policyholders who refrain from making any claims during their coverage period, SBI offers a No Claim Bonus (NCB). This bonus serves as a reward and can lead to a reduction in your premium when you choose to renew your policy.
  • Reduced Waiting Period: Renewing your policy with SBI can result in a reduction in waiting periods for specific benefits. This means you won't have to go through extended waiting periods to avail certain healthcare coverages or services.

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SBI Health Insurance Plan List

  • Family (3)
  • Maternity (1)
  • Individual (3)
  • Senior Citizen (1)
  • Woman (1)
  • Critical Illness (1)
  • Kids (1)
  • Parents (1)
Name of PlanSum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 Years10 Lakh Check Premium
Arogya Plus PolicyMin: 3 Months; Max: 65 Years1 Lakh Check Premium
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years2 Lakh Check Premium
Hospital Daily CashMin: 90 Days; Max: 65 Years500/day Check Premium
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years50 Thousand Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day; Max; 65 Years50,000 - 5 lakh Check Premium
Corona Rakshak PolicyMin: 91 days; Max: 65 years50000 - 2.5 Lakh Check Premium

Consequences of Not Renewing Your SBI Health Insurance Policy

In case you didn’t renew your SBI policy on time, you might face the following issues:

  • No More Health Coverage: If you don't renew your SBI medical insurance policy on time, you won't be covered anymore. So, if you get sick or hurt, you'll have to pay for all the medical expenses yourself.
  • Hassle to Renew: If you miss the deadline, it's going to take a lot of time and effort to apply again for the health insurance policy. Plus, they might ask you to pay more money based on how healthy you are at that time.
  • Financial Problem: Without insurance, you might have to spend a lot of money on medical expenses. This can be a big problem for you as it might affect your financial situation for a long time.
  • Wait Longer for Coverage: If you don't renew on time, you lose some benefits that you would get after waiting for a while. It's like missing out on getting coverage for certain health problems sooner.
  • Possibility of Exclusion for Existing Conditions: If you don't renew your health insurance, there's a chance that in the future, the insurer might not cover certain health problems you had before. This means these specific issues could go without coverage during any period when your insurance is not active.

Factors to Consider While Renewing SBI Health Insurance Policy

Here are a few things to think about when you're renewing your SBI health insurance:

  • Double-check Your Policy Details: Take a good look at your health insurance policy. Make sure you understand how much coverage is offered, what's included, and what's not. See if it still suits your healthcare needs and look for any policy terms changes that might affect your insurance coverage.
  • Make the Most of No Claim Bonus (NCB): Don't overlook the No Claim Bonus and see how it can make your health insurance even better. Take advantage of it to get the most out of your policy benefits.
  • Look at Waiting Periods: Take the time to go through waiting periods for specific illnesses and treatments. This includes both the initial waiting period and the waiting period for any pre-existing conditions. Understanding these can help you plan better for your healthcare needs.

Documents Required For Renewal

At the time of policy renewal, make sure to have these documents ready:

  • A completed and signed Policy Renewal Form
  • Policy details
  • An ID proof, which could be your Aadhaar Card, Passport, or Voter ID
  • An Address Proof, like a Rental Agreement or Utility Bill
  • Any Medical Check-up Reports that may be required
  • Income Proof, especially if you have a high-sum insured policy
  • Your Claim History

Online Payment Options for SBI Health Insurance Policy Renewal

When you're renewing your SBI health policy, you have the option to make the payment through any of the following methods:

  • EMI (Equated Monthly Installments)
  • Credit Card
  • Debit Card
  • Digital Payment Applications, where applicable

How to Renew SBI Health Insurance Policy?

You can renew your SBI Health Insurance policy in two ways: Online or Offline.

Online Procedure

For the online method, there are two options available - you can either renew through InsuranceDekho or directly with the insurance company.

Online Procedure of SBI Health Policy Renewal with InsuranceDekho

If you choose to renew through InsuranceDekho, here are the steps to follow:

Step 1: Visit the official InsuranceDekho website [1] and click on "Support" from the top bar.

Step 2: Select "Renew Policy" from the dropdown list.

Step 3: Enter your mobile number in the given field and click on the "Send OTP" button.

Step 4: Log in using the OTP received, and you'll be able to view your SBI health insurance policy details.

Step 5: Now, click the "Renew" button to proceed with the renewal.

Step 6: Finally, complete the payment to successfully renew your SBI medical insurance policy.

Once the payment is done, your policy renewal will be complete.

Online Procedure of SBI Health Policy Renewal via the Insurer Website

Here’s how you can renew your SBI policy directly through the insurer's website:

Step 1: Open the official SBI General Insurance website [2] and click on the “Renew” button at the top.

Step 2: On the policy renewal page, click on the “Continue” button under the Health Policy box.

Step 3: Now, select the Policy Type, enter the Policy Number, and hit the “Get Quote” button.

Step 4: You can now see the details of your SBI health insurance policy along with the renewal premium amount,

Step 5: Make the payment of the policy renewal premium and once it’s successfully done, your SBI health policy will be renewed.

Why Renew with InsuranceDekho?

  • Fair Guidance: When you renew with InsuranceDekho, you can trust us to provide you with unbiased insurance advice. We understand that everyone's needs are different, so our recommendations are personalised to suit your specific requirements.
  • Timely Renewal Alerts: Keeping track of when to renew your health insurance is crucial. With InsuranceDekho, you'll receive timely reminders, ensuring you stay informed about your renewal deadlines.
  • Continuous Assistance: InsuranceDekho is committed to making the process of renewing your insurance policy hassle-free. Whether you need to renew your policy or make modifications to it, our support is available throughout. You can count on us to guide you through the process
  • Portability Option: If you find yourself dissatisfied with your current insurance provider, InsuranceDekho offers a unique portability option. This feature allows you to switch to a different insurance provider seamlessly but through the offline mode only.

Offline Procedure

If you want to renew your SBI Health Insurance policy offline, you can choose between two options:

  • Home Assistance by InsuranceDekho: You can ask for a visit from InsuranceDekho's Relationship Manager, who will come to your home and help you with the renewal process.
  • Visit the Insurer's Branch Office: Alternatively, you can go to the insurance company's branch office in your city. The staff there will guide you through the renewal process.

Renewing Your Expired SBI Health Insurance Policy

When you want to renew your expired SBI Health Insurance policy, here are some important things to keep in mind:

  • Eligibility: SBI health insurance gives you a grace period of 15 or 30 days to renew your policy even after it has lapsed or expired.

*The grace period might differ depending on the policy you choose, ranging between 15 to 30 days.

  • Condition: If your health insurance policy expires and you renew it within the grace period, be aware that there won't be any coverage for the time between the expiry date and the renewal date. This means that any medical expenses or claims during this period won't be covered.

For example, if your policy expires on 1st May, the grace period will extend till 16th May (if the grace period is 15 days). Now, suppose you get your health insurance policy renewed on 10th May. In that case, no coverage will be provided from 1st May to 9th May, as the insurance provider will not be liable for any claims or expenses during this gap period.

  • Premium: The cost of renewing an expired SBI policy usually stays the same. It might only change if you've added extra features, moved to a different city, or your age group has changed.
  • Renewal Process: To renew your SBI Health Insurance policy, simply follow the same steps outlined in the previous section.

What to Do if You are Dissatisfied?

Take into account the following actions if your present insurance company isn't meeting your needs:

  • Talk About Problems During Renewal Contact: Take advantage of the chance to talk about your issues when the InsuranceDekho renewal team gets in touch with you. This enables you to investigate possible fixes or evaluate policy modifications that more closely suit your requirements.
  • Transfer Your Coverage: To transfer your current health insurance policy to a new insurer of your choice, use InsuranceDekho's portability option, which can allow you to switch from one insurance provider to another.
  • Speak with an InsuranceDekho Advisor: For personalised help, send an email to or give InsuranceDekho a call at +91-7551196989. [3]

Common Myths About Renewal

Let's clear up some misunderstandings about renewing insurance policies:

Myth 1: Premiums Always Go Up When You Renew

Fact: Not true! Renewing your health insurance doesn't always mean paying more. The cost might change based on things like your age, specific life events, or if you decide to add more coverage. It's not an automatic increase every time.

Myth 2: No Need to Check Policy Terms When You Renew

Fact: Some people think that once you have insurance, the rules never change. But that's not correct. Policies can change, and it's important to check them during renewal. Make sure your coverage still fits your needs because ignoring changes could leave you without enough protection for what you need.

SBI Health Insurance Renewal: Customer Support & Assistance

If you face any challenges while renewing your health insurance policy, don't hesitate to contact the customer support teams of either SBI or InsuranceDekho.

Contact SBI Health Insurance

Contact details for SBI health insurance [4] customers are as follows:

  • You can call anytime on the numbers 1800 210 3366 or 1800 210 6366 (Available 24*7)
  • You can send them an email at

Contact InsuranceDekho

Please contact the InsuranceDekho customer support team [3] if you require any assistance with renewing your SBI policy:



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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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    Indeed, InsuranceDekho is the best! I bought the SBI Health Insurance Policy from the company’s official website. The information available on the website made it 100% easier for me to compare the plans myself. After comparing multiple plans listed on their website, I bought the SBI health insurance plan as it provided me with the best coverage. Happy to get the best health plan from the most trustworthy company.

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