SBI General Health Insurance

Here are the SBI General Health Insurance plans that you can find on Bajaj Markets.

SBI General Health Insurance Plans	Specifications
SBI Arogya Plus Health Insurance Policy	Sum Insured: Starting at ₹1 Lakh Hospital room rent coverage Outpatient treatment Alternative treatment coverage
SBI Arogya Supreme Health Insurance Policy	Sum Insured: Up to ₹50 Lakhs Hospitalisation coverage AYUSH treatment coverage Teleconsultation services
SBI Arogya Premier Health Insurance Policy	Sum Insured: Up to ₹30 Lakhs Coverage for 141 day-care procedures Health check-up reimbursement claim Maternity expense coverage
SBI Arogya Top-up Health Insurance Policy	Sum Insured: Up to ₹50 Lakhs Pre-hospitalisation and post-hospitalisation coverage In-patient physiotherapy care Pharmaceutical coverage
SBI Arogya Sanjeevani Health Insurance Policy	Sum Insured: Up to ₹10 Lakhs Hospitalisation expenses covered Alternate/AYUSH treatment coverage Road ambulance coverage
SBI Arogya Shield Health Insurance Policy	Sum Insured: Up to ₹25 Lakhs Health and term life cover in one Cashless services Hospitalisation coverage
SBI Individual Personal Accident Health Insurance Policy	Sum Insured: Starting at ₹1 Lakh Accidental death coverage Permanent disability coverage Temporary disability coverage
SBI Super Health Insurance Policy	Sum Insured: Up to ₹2 Crores Home health care services 37+ serious illnesses covered Comprehensive day-care and hospitalisation coverage
SBI Critical Illness Health Insurance Policy	Sum Insured: Up to ₹10 Lakhs 13 critical illnesses covered Organ transplant coverage Surgical expenses covered
SBI Hospital Daily Cash Health Insurance Policy	Sum Insured: Daily cash up to ₹4,000 Daily cash disbursal up to 60 days Convalescence expenses covered Tax exemptions under Section 80D
SBI Retail Health Insurance Policy	Sum Insured: Up to ₹5 Lakhs Family floater option Hospital room rent and boarding coverage ICU and pharmaceutical charges covered
SBI Loan Insurance Policy	Sum Insured: Up to ₹1 Crore Critical illness coverage Job loss compensation Personal accident coverage
SBI Health Edge Insurance Policy	Sum Insured : Up to ₹25 Lakhs 9 indemnity covers 18 optional covers Long-term plan of up to 3 years
Corona Kavach Policy	Sum Insured: Up to ₹5 Lakhs Hospitalisation coverage Home care coverage AYUSH treatment coverage
Corona Rakshak Policy	Sum Insured: ₹2.5 Lakhs Lump sum payable upon diagnosis Hospitalisation expenses covered Tax benefits under Section 80D
Kutumb Swasthya Bima	Sum Insured: Up to ₹5 Lakhs Hospital daily cash coverage Accidental death benefit Conveyance allowance benefit

SBI General Health Insurance could be a great choice for you. Here are a few factors that make this health insurance a reliable, supportive, and value-adding one.

 

• Get insurance plans that can support your medical needs as a policyholder

• Tap into comprehensive financial protection against hospitalisation expenses, day-care treatment bills, intensive care costs, and other medical expenses

• Purchase your health insurance plan online under minutes without the hassle of hefty paperwork, time-consuming application procedures, and endless documentation

• Get customer care support 24/7 to have your questions and grievances resolved

• Renew your health insurance policy through a hassle-free and quick end-to-end online procedure

• Reach out to any of the 24,000 SBI General Health Insurance branches

• Choose from the SBI General Health Insurance hospital list that is as long as 20,000+network hospitals

Here are the key highlights of the SBI Health Insurance plans offered to you here, on Bajaj Markets.

 

• Coverage up to ₹2 Crores

• 141 day-care procedure covered

• Long-term plans of up to 3 years

• Tax benefits up to ₹75,000

Benefits of SBI General Health Insurance

With medical expenses rising steadily, it is time for everyone to get health insurance. SBI General Health Insurance is one such alternative that you could opt for. Here are the SBI General Health Insurance benefits that explain why you should do so.

• Pre-hospitalisation and Post-hospitalisation Expenses

Pre-hospitalisation and post-hospitalisation coverage offers financial protection against the medical expenses you could incur before and after hospitalisation. These expenses could be the result of diagnostic procedures, pharmaceutical costs, consultations fees, etc.

• Hospitalisation Expenses

This is one of the most important health insurance benefits. It can offer you financial support in times of accidental hospitalisation. You can also claim coverage if you are hospitalised due to an illness. In this way, you can avoid falling into debt due to medical expenses.

• Preventive Care Coverage

You can claim coverage from your SBI General Health Insurance plan for regular health check-ups. Hence, your health insurance policy could help keep a track of your health and medical issues. Moreover, regular health check-ups can bring you tax benefits.

• Cashless Services

Affiliated with thousands of SBI General Insurance network hospitals, this health insurance can help you access cashless services. Such claims do not require you to pay hospital bills from your own pocket. You can make a cashless claim and allow the insurer and the hospital to handle the costs.

• Alternative Health Treatments

You might prefer alternative treatment options over allopathic treatment. Hence, your SBI General Health Insurance can help you cover those needs as well. You can claim coverage for ayurvedic treatments and homoeopathic treatments through your health insurance policy.

• Tax Benefits

Your health insurance not only helps you save money on hospital and medical bills, but it also helps you save big through tax benefits. Under Section 80D of the Income Tax Act of 1961, you can earn tax benefits up to ₹75,000 through the premium amount you pay for your health insurance policy.

What’s Covered and Not Covered by SBI General Health Insurance?

It is crucial to understand what your health insurance covers before making the decision to purchase it. Find below all that an SBI General Health Insurance policy includes and excludes.

Note: It is important to read the policy documents carefully in order to understand the details of the inclusions and exclusions of your SBI General Health Insurance plan. Please read the policy brochure before purchasing a health plan.

Follow the steps given below to complete the purchasing process of your preferred SBI General Health Insurance plan.

• Step 1

Visit the ‘Health Insurance Premium Calculator’ page.

• Step 2

Fill in details like your age, date of birth, mobile phone number, etc.

• Step 3

Choose your preferred plan from the options displayed on your screen.

• Step 4

Add the insurance riders or an SBI General Top-up Health Insurance of your choice to enhance your health plan.

• Step 5

Pay the final premium price of your SBI General Health Insurance plan.

 

That’s it! Your policy documents will be sent to you soon after your payment has been confirmed.

The health insurance premium calculator on Bajaj Markets has made such calculations very easy. In order to find the price you might have to pay for your health policy, you must enter accurate information about yourself, your location, coverage amount, etc. This will bring you to various premium options offered by multiple health insurance policies.

Tax Benefits of SBI General Health Insurance

Opting for an SBI General Health Insurance plan can bring you financial protection against the costs of unforeseen medical emergencies. Additionally, it can help you enjoy tax benefits as well. Here’s how the tax benefits of SBI General Health Insurance for senior citizens, regular citizens, families, and groups can be understood.

Condition	Tax Benefits
Individual health insurance   Regular citizen (below 60 years of age)	Up to ₹25,000/year
Individual health insurance    Parents under 60 years of age	Up to ₹25,000/year
Any health insurance  Senior citizen (above the age of 60 years)	Up to ₹50,000/year
Health insurance    Regular citizen and their senior citizen parents	Up to ₹75,000/year (₹50,000 + ₹25,000)
Health insurance    Senior citizen and their senior citizen parents	Up to ₹1 Lakh/year (₹50,000 + ₹50,000)
Regular preventive health check-ups for self, spouse, children, parents, etc.	Up to ₹5,000/year

Enhance Your Protection Against Medical Emergencies with Optional Covers by SBI General Health Insurance

After purchasing your SBI General Health Insurance plan, there could come a time when you might need the promised financial support. Hence, you might have to make a claim. You can follow the instructions chalked below in order to understand the claim request process.

 

• Inform SBI General Health Insurance about your intent to make a claim

• Contact them through their toll-free number (1800-102-1111), SMS service (“CLAIM” to 561612), official website (https://www.sbigeneral.in/claim/claims-intimation) or email (customer.care@sbigeneral.in)

• Note the claim reference number given to you by the customer care executive

• Submit all the documents asked of you within 24 hours of acquiring the claim reference number

• Allow the insurer to cover the bills composed by the network hospital in case of cashless claims

• Submit bills, discharge papers, receipts, prescriptions, etc. if you have made a reimbursement claim

• Once all the claim documents and forms have been verified and approved, the coverage disbursal process should be closed within 30 days.

Here’s the SBI General Health Insurance claim settlement ratio for your perusal.

Insurer	Claim Settlement Ratio	Premium Price
SBI General Insurance Company Ltd.	96%	₹53/month

Here are the basic documents you will need during the SBI General Health Insurance claim settlement process.

 

• Identification documents (Aadhar Card, PAN Card, Driving Licence, etc.)

• Copies of written treatment advice, diagnostic reports, and medical references

• Original pharmacy bills

• Original hospital bills

• Original investigation reports

• Original discharge certificate or discharge card, etc.

Health Insurance Plans Available at Bajaj Markets