SBI Health Insurance

Posted in: Insurance | on: November 13, 2020

Why you need to choose SBI Health Insurance?

Here are the reasons why you need to opt for SBI health insurance policy. SBI health insurance has the following benefits.

SBI health insurance premiums are eligible for tax exemption under Section 80D of Income Tax Act, 1961.
It has 6000+ network hospitals across the country.
It has served over 6.8 crore customers till date.
It has handled claims worth Rs. 11 crores.
All policies offered by SBI health insurance covers pre and post hospitalization expenses.
It offers lifelong renewability option for all plans.
It offers flexible plan options with which you can choose the best plan.
It offers family floater plans that cover the entire family under single policy.
It offers health insurance policies with premium starting from Rs. 50,000 to Rs. 5 lakhs.

What are the types of SBI Health Insurance Policy?

SBI health insurance offers different types of health insurance policies from which you can choose the one that best suits your requirements. The policies are,

Arogya Sanjeevani Policy
Arogya Premier Policy
Arogya Plus Policy
Arogya Top up Policy
Retail Health Insurance Policy
Critical Illness Insurance Policy
Hospital Daily Cash Insurance Policy
Group Health Insurance Policy
Loan Insurance Policy

What are the features and coverage benefits of SBI Health Insurance Policies?

Policy Type	Features	Coverage	Exclusion
Arogya Sanjeevani Policy	Life-long renewability AYUSH coverage Road ambulance cover No medical check-up till 55 years of age Coverage from Rs. 1,00,000 to Rs. 5,00,000 Up to 50% cumulative bonus Tax deduction under Section 80D Full family coverage	Hospital room rent, doctor fees and boarding expenses Road ambulance charges Pre-hospitalization expenses up to 30 days Post-hospitalization expenses up to 60 days Medicines taken in hospital Nursing and ICU expenses	Cosmetic surgery expenses Gender change treatment Obesity surgery expenses Expenses for treatment resulting from adventurous sports Treatment taken outside India Admission primarily for evaluation and investigation Admission primarily for rehabilitation and rest
Arogya Premier Policy	No sub limits 142-day care expenses covered Coverage from Rs. 10,00,000 to Rs. 30,00,000 Up to 50% cumulative bonus Tax deduction under section 80D No medical check-up till 55 years of age In case of no claim for 4 years, reimbursement of up to Rs. 5000 for health check-up.	Hospital room rent, doctor fees and boarding expenses Pre-hospitalization expenses up to 60 days Post-hospitalization expenses up to 90 days Medicines taken in hospital Nursing and ICU expenses Maternity expenses Organ donor expenses Domiciliary hospitalization	Treatment taken outside India Outpatient treatment For treatment of illnesses such as Hernia, Tonsillectomy, Ulcer, Sinus, Cataract, Chronic Renal Failure, Gall Bladder Stones during the first year of policy operation. Experimental treatment Staying in hospital without taking active regular treatment from the doctor
Arogya Plus Policy	Multiple and comprehensive coverages No medical check-up till 55 years of age Outpatient treatment Multiple sum insured options Tax exemption under Section 80D 142-day care expenses covered	Hospital room rent, doctor fees and boarding expenses Pre-hospitalization expenses up to 60 days Post-hospitalization expenses up to 90 days Medicines taken in hospital Nursing and ICU expenses Domiciliary hospitalization Outpatient treatment	Treatment taken outside India For treatment of illnesses such as Hernia, Tonsillectomy, Ulcer, Sinus, Cataract, Chronic Renal Failure, Gall Bladder Stones during the first year of policy operation. Experimental treatment Staying in hospital without taking active regular treatment from the doctor
Arogya Top up Policy	Comprehensive coverages No medical check-up till 55 years of age Sum insured from Rs. 1,00,000 to Rs. 50,00,000. Tax exemption under Section 80D 142-day care expenses covered	Hospital room rent, doctor fees and boarding expenses Pre-hospitalization expenses up to 60 days Post-hospitalization expenses up to 90 days Medicines, drugs and consumables	Treatment taken outside India Experimental treatment Outpatient treatment Pre-existing diseases during first 4 years Specific conditions during the first year
Retail Health Insurance Policy	No medical check-up till 45 years of age Flexible plans Family floater Wide coverage from Rs. 50,000 to Rs. 5,00,000 Tax exemption under Section 80D	Hospital room rent, doctor fees and boarding expenses Pre-hospitalization expenses up to 30 days Post-hospitalization expenses up to 60 days Medicines taken in hospital Nursing and ICU expenses	Treatment taken outside India For treatment of illnesses such as Hernia, Tonsillectomy, Ulcer, Sinus, Cataract, Chronic Renal Failure, Gall Bladder Stones during the first year of policy operation. Outpatient treatment Staying in hospital without taking active regular treatment from the doctor
Critical Illness Insurance Policy	Maximum entry age is 65 years Covers 13 critical illnesses Sum insured is up to Rs. 50,00,000 Two plans - 1 and 3 years Tax exemption under Section 80D	Covers 13 critical illnesses - Cancer, Multiple Sclerosis, End-stage Kidney Failure, Major Organ Transplant, Primary Pulmonary Arterial Hypertension, Paralysis, Stroke, Coma, Total Blindness, Aorta Graft Surgery, Heart Valve Surgery, Coronary artery bypass grafts and Myocardial Infraction.	Any congenital illness Pre-existing disease and its complications
Hospital Daily Cash Insurance Policy	Entry age - 18 to 65 years Four plans available Convalescence expenses up to Rs. 5000 Daily benefit amount from Rs. 2000 to Rs. 4000 per day Tax exemption under Section 80D	Hospitalization due to accidental injury or sickness during the policy period Maximum benefit payable is 30 to 60 days within the policy period	Treatment taken outside India For treatment of illnesses such as Hernia, Tonsillectomy, Ulcer, Sinus, Cataract, Chronic Renal Failure, Gall Bladder Stones during first year of policy operation. Outpatient and experimental treatment Staying in hospital without taking active regular treatment from the doctor
Group Health Insurance Policy	No medical check-up up to 65 years Wide coverage from Rs. 1,00,00 to Rs. 5,00,000 Multiple coverages available Tax exemption under Section 80D	Room charge, boarding charge, ICU charge Doctor fees and Nursing fees Medicine expenses Pre-hospitalization expenses up to 30 days Post-hospitalization expenses up to 60 days	Treatment taken outside India For treatment of illnesses such as Hernia, Tonsillectomy, Ulcer, Sinus, Cataract, Chronic Renal Failure, Gall Bladder Stones during the first year of policy operation. Outpatient and experimental treatment Staying in hospital without taking active regular treatment from the doctor Maternity treatment
Loan Insurance Policy	Covers 13 critical illnesses, accidental death or loss of job. Policy can be availed up to 3 years. No medical check-up till 55 years of age. Sum insured available on fixed or reduction basis.	Critical illness Personal accident Loss of job	Man-made disasters Alcoholism or drug abuse Suicide HIV/AIDS

How to buy SBI Health Insurance Policy in Online?

You can buy SBI health insurance policy instantly in online by just following the simple steps given below.

Visit SBI General Insurance Portal
On the home page, select 'Health' and click 'Buy'. Then select your gender, residing city, family members and date of birth. Click 'Go'
On the next page, enter your mobile number and email id. Select the checkbox and click 'Continue'
Provide details about your lifestyle habits and click 'Continue'
Select your preferred sum insured amount and click 'Continue'
Then select the add-on which you want to buy along with the policy and click 'Continue'
After confirming your policy premium details, make payment by selecting the payment gateway.
Upon successful payment, you will get your health insurance policy instantly.

How to renew SBI Health Insurance Policy in Online?

You can renew your expired SBI health insurance policy in online by following the procedures given below.

Visit SBI General Insurance Portal
On the home page, select 'Health' and then click 'Renew'. Select the policy and enter the policy number.
On the next page, your policy details will appear.
Complete the payment process to renew your expired policy.

What are the documents required to claim SBI Health Insurance Policy?

In order to claim the money spent for hospital treatment, you need to submit the original copies of the following documents.

Duly filled and signed claim form
Original bills that are duly signed and stamped by authoritative person in the hospital
Details of the hospital such as duration of the treatment, number of doctors and nurses, and available beds.
Original discharge report
Original reports related to the treatment
If any, future line of treatment with original bills.
Police FIR copy in case of accident
A copy of PAN card
A copy of health card
Bank details along with cancelled cheque leaf containing name, account number, IFSC code, etc.

What is the procedure to claim SBI Health Insurance Policy?

To claim SBI health insurance policy, intimate about your claim with SBI health insurance.

Call the toll-free number 1800 102 1111 or SMS 'CLAIM' to 561612 or send your details through email to customer.care@sbigeneral.in and get your claim reference number.
You can also submit your claim in online. Just click here
Once you have intimated your claim, the customer care representative will provide you with the list of documents required to process your claim.
The Claims Manager/ Executive will contact you within 24 hours of registering your claim.
Submit all the necessary documents with the Claims Manager/ Executive and get it verified with the originals.
Upon receiving the final survey report, SBI will initiate your claim process and your claim will be settled within 30 days.