SBI General Super Health Insurance for Individuals and Families

SBI General Super Health Insurance Overview

SBI General Super Health Insurance is a comprehensive health insurance policy offered by SBI General Insurance Company Limited, one of the leading insurance pioneers in India. This policy has been designed to offer extensive coverage and financial security to individuals and families against various health-related contingencies.

The Super Health Insurance policy covers hospitalisation expenses incurred due to illnesses and accidents, including pre- and post-hospitalization expenses. It also offers coverage for day care procedures, ambulance charges, and domiciliary hospitalisation expenses. Additionally, it provides a range of value-added services, such as wellness programs, and health check-ups among others.

The policy also comes with a range of customizable features. These may include various sum insured options, flexible deductible options, and add-on covers such as critical illness and hospital cash benefits. It also provides an option of choosing between individual and family floater plans to suit specific requirements.

With its wide coverage and value-added features, it is a popular choice among individuals and families seeking comprehensive health insurance coverage. Read on to know more about its features, inclusions, and more.

Key Highlights of SBI General Super Health Insurance

Here are a few key highlighting features of SBI General Super Health Insurance at a glance:

Categories	Highlights
Insured Sum	₹3 Lakhs to ₹2 Crore
Coverage Types	Family Floater/Individual
Eligibility Criteria	Children: 91 days to 30 years Adult: Entry age: 18 years; no maximum age limit
Policy Tenure	1, 2, or 3 years
Portability	The policyholder can port their policy to another insurer by applying 45 days prior, but not less than 60 days from the renewal date of the policy
Renewability	Lifelong

Key features of SBI General Super Health Insurance

SBI General Super Health Insurance has the following key features:

Covers hospitalisation expenses incurred due to illnesses and accidents, including pre- and post-hospitalization expenses.
Covers day care procedures, ambulance charges, and domiciliary hospitalisation expenses.
Available with a range of customizable features, such as various sum insured options, flexible deductible options, and shared accommodation cash benefits.
Provides the option to choose between individual and family floater plans to suit specific requirements.
Offers lifelong renewability, ensuring that you and your family are covered for health-related contingencies throughout your life.
Offers a range of value-added services, such as wellness cover and health check-ups.
Provides tax benefits u/s 80D of the Income Tax Act, 1961.
Offers hassle-free claim settlement process
Availability of cashless hospitalisation facilities at their network hospitals.
Provides 24*7 customer service for any assistance, grievances, queries, or concerns related to the insurance policy.

Inclusions Under SBI General Super Health Insurance

Here are a few inclusions under SBI General Super Health Insurance Policy:

7 optional and 27 base covers
Emergency road/air ambulance cover
Maternity expenses
Annual health check-up
Day care procedures
AYUSH treatment

In-patient hospitalisation charges
Pre- and post-hospitalisation expenses
Domiciliary hospitalisation expenses
Surgical procedures
OPD treatment costs
Bariatric surgery cover
Organ donor expenses
Advanced procedures or modern treatment expenses
New born baby cover for children aged up to 90 days from the date of delivery
Child vaccination cover for children of up to 12 years of age
Wellness cover
Medical treatment expenses abroad for the major illnesses diagnosed in India and listed in the policy document
Lifelong renewability expenses with several payment options
Reinsure benefit
Enhanced cumulative bonus coverage
Loyalty credits
Claims shield
Shared accommodation benefit

Exclusions Under SBI General Super Health Insurance

Here are a few mandatory exclusions under SBI General Super Health Insurance Policy:

Rehabilitation, respite care, rest cure
Weight control/obesity control
Evaluation and investigation
Plastic/cosmetic surgery
Adventure/hazardous sports
Excluded providers

Breach of laws
Gender transformation expenses
Treatment for drug, substance, or drug abuse
Treatments received in nature cure clinics, health hydros, spas, nursing homes, or establishments where the admission has been arranged for domestic purposes
Substances which can be bought with no prescription, dietary supplements, such as minerals, organic substances, vitamins, or more. They are not covered unless they have been prescribed by a specialist for day care/hospitalisation procedures
Injuries due to weapons or nuclear materials
Claims due to war
Unproven treatments
Circumcision

How to Make a Claim Under SBI General Super Health Insurance

There are two ways in which you can raise a claim under this health insurance policy: Cashless and Reimbursement Claims. Follow these steps to make a claim under this policy:

Inform SBI about your hospitalisation within 24-hours incase of emergency cashless hospitalisation, 72-hours before the planned cashless hospitalisation, and 48-hours after the hospital discharge incase of reimbursement claims
Send a form of pre-authorisation to SBI General incase of cashless hospitalisation
Receive the treatment after the pre-authorisation is granted and get discharged
Pay the total hospitalisation bill while getting discharged and collect all the necessary documents incase of reimbursement claims
Submit the documents to SBI General as asked within 30 days after getting discharged
SBI General will then settle your claim within a span of 30 days

You will have to submit the following documents incase of reimbursement claims:

Original reports of investigation
Certified copies of investigation, medicine, and hospital bills
Duly filled claims’ form
Self-attested copies of PAN card, photo ID, address proof, and aadhar card
KYC details
Certified copy of the death certificate incase of the policyholder’s death
NEFT/bank account details

Conclusion

Being a comprehensive health insurance policy, it provides wide coverage, customisable features, and value-added services. Additionally, it provides a range of value-added services, such as wellness programs, health check-ups, and discounts on pharmacy bills, among others. With lifelong renewability and hassle-free claims processing, SBI General Super Health Insurance ensures that you and your family are covered for health-related contingencies throughout your life. Moreover, the policy offers tax benefits under Section 80D of the Income Tax Act. Hence, SBI General Super Health Insurance is a reliable and comprehensive health insurance policy that will provide peace of mind to you in case of unforeseen events.

Disclaimer: SBI General Insurance Company Limited | Corporate & Registered Office: Fulcrum Building, 9th Floor, A & B Wing, Sahar Road, Andheri (East), Mumbai - 400099. | The information in the advertisement is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. | Tax benefits are subject to changes in tax laws. | For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | Bajaj Finserv Direct Limited is a registered corporate agent of SBI General Insurance Company Limited. IRDAI Registration Number CA0551 |SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Company Limited under license. | Website: www.sbigeneral.in, Tollfree: 18001021111 SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.