What is SBI Health Insurance?

SBI Health Insurance is a comprehensive medical insurance provider backed by the State Bank of India, offering financial protection for hospitalisation, treatments, and preventive care.

What is the claim settlement ratio of SBI Health Insurance?

SBI Health Insurance has a claim settlement ratio of 97%, reflecting quick approvals and a customer-first approach

Are there any tax benefits for SBI Health Insurance policyholders?

Yes. Policyholders can claim tax deductions under Section 80D of the Income Tax Act on premiums paid for health insurance.

Does SBI Health Insurance cover AYUSH treatments?

Yes. SBI covers Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments under most plans to encourage holistic healing.

What is the No Claim Bonus (NCB)?

For each claim-free year, SBI rewards you by increasing your sum insured without raising your premium.

Are maternity and newborn benefits included?

Yes. Plans like SBI Health Edge and SBI Super Health cover maternity care, delivery, and newborn baby expenses after a waiting period.

Does SBI Health Insurance offer global coverage?

Yes. High-tier plans like Arogya Supreme and Super Health offer worldwide medical emergency coverage.

How can I file a cashless claim with SBI Health Insurance?

Visit a network hospital, present your SBI Health Card and ID, and the hospital will send a pre-authorisation to SBI. Once approved, the insurer settles bills directly.

What is the process for reimbursement claims?

If you use a non-network hospital, pay bills upfront and later submit original documents to SBI for reimbursement.

What types of health plans does SBI offer?

SBI offers multiple plans such as SBI Health Edge, Arogya Supreme, Arogya Sanjeevani, SBI Super Health, and Critical Illness Plans, designed for individuals, families, and seniors.

What expenses are covered under SBI Health Insurance?

SBI plans typically cover hospitalisation costs, ICU charges, surgeries, doctor consultations, ambulance fees, and daycare procedures.

What is the restoration benefit in SBI Health Insurance?

This benefit automatically refills your sum insured if it gets exhausted during the policy year—offering continuous protection.

What is the typical cashless claim approval time?

Most claims are approved within 2 hours after submission of the necessary documents.

How do I renew my SBI Health Insurance policy?

You can renew online via the SBI Health Insurance website, mobile app, or at any SBI General branch. Renewal reminders are sent in advance.

What happens if I miss the renewal deadline?

SBI offers a short grace period (usually 30 days) to renew your policy. However, claims during this period are not covered.

Can senior citizens apply for SBI Health Insurance?

Yes. SBI offers Senior Care Plans tailored for individuals aged 60 and above, with lifelong renewability and coverage for pre-existing diseases.

What is the SBI Arogya Sanjeevani Policy?

It’s a standard, affordable health insurance policy regulated by IRDAI that covers basic hospitalisation and surgery costs.

What documents are required to buy an SBI Health policy?

You’ll need ID proof, address proof, age proof, photos, and medical details, depending on your chosen plan.

Are top-up and super top-up plans available?

Yes. SBI offers top-up and super top-up options that enhance your base coverage at a minimal premium once your deductible is met.

Why should I choose SBI Health Insurance over others?

SBI combines trust, affordability, and wide network access with fast claim settlements and customer-centric features.

OneAssure

Health Insurance

SBI

SBI Health Insurance

Get a Quote

97%

Claim Settlement Ratio

20,000+

Network Hospitals

6.9

Overall Rating

SBI Health Insurance

Our Vеrdict About SBI Hеalth Insurancе

SBI Health Insurance is a dependable, value-for-money choice offering comprehensive coverage with government-backed assurance.

What We Like

Flexible plans suitable for all age groups.

Quick and transparent claim settlement process.

Covers AYUSH, maternity, and wellness benefits.

20,000+ cashless network hospitals across India.

Backed by SBI’s strong credibility and financial strength.

Areas of Improvement

Customer support responses can vary across locations.

Mobile app and online claim services need better usability.

Premiums rise significantly for senior citizens.

Limited OPD and global coverage options.

Room rent and treatment sub-limits in standard plans.

What We Like

Flexible plans suitable for all age groups.

Quick and transparent claim settlement process.

Covers AYUSH, maternity, and wellness benefits.

20,000+ cashless network hospitals across India.

Backed by SBI’s strong credibility and financial strength.

Areas of Improvement

Customer support responses can vary across locations.

Mobile app and online claim services need better usability.

Premiums rise significantly for senior citizens.

Limited OPD and global coverage options.

Room rent and treatment sub-limits in standard plans.

Final Verdict

SBI Health Insurance is one of India’s most trusted insurers, backed by the strong reputation of the State Bank of India. It offers affordable, comprehensive plans for individuals, families, and senior citizens. With cashlеss trеatmеnt in 20,000+ hospitals, AYUSH covеragе, and matеrnity and wеllnеss bеnеfits, SBI еnsurеs complеtе protеction and...

SBI Health Insurance is one of India’s most trusted insurers, backed by the strong reputation of the State Bank of India. It offers affordable, comprehensive plans for individuals, families, and senior citizens. With cashlеss trеatmеnt...

SBI Health Insurance

Top SBI Plans

Arogya Supreme

Budget-friendly and IRDAI-standardised benefits
No Claim Bonus increases cover every year
Covers hospitalisation, surgeries, ICU, and daycare procedures

Most Popular

Health Edge

Covers room rent, ICU charges, doctor’s fees, and hospital bills
No Claim Bonus increases coverage yearly
Comprehensive plan for complete protection from medical costs

Arogya Sajeevani Policy

Automatic restoration of sum insured for repeated claims
Budget-friendly and IRDAI-standardised benefits
Simple and affordable health plan for individuals and families

Arogya Supreme

Budget-friendly and IRDAI-standardised benefits
No Claim Bonus increases cover every year
Covers hospitalisation, surgeries, ICU, and daycare procedures

Most Popular

Health Edge

Covers room rent, ICU charges, doctor’s fees, and hospital bills
No Claim Bonus increases coverage yearly
Comprehensive plan for complete protection from medical costs

Arogya Sajeevani Policy

Automatic restoration of sum insured for repeated claims
Budget-friendly and IRDAI-standardised benefits
Simple and affordable health plan for individuals and families

SBI Health Insurance

About SBI

SBI Health Insurance

SBI Rating

Overall Rating

6.9

out of 10

Solvency

3.1/4

ICR

1.7/3

Growth

2.1/3

Performance Index

Gross Direct Premium

SBI

3999.34Cr

Industry Average

1905.12Cr

ICR%

SBI

87.86%

Industry Average

83.49%

SBI

Industry Average

Overall Rating

6.9

out of 10

Solvency

3.1/4

ICR

1.7/3

Growth

2.1/3

Performance Index

Gross Direct Premium

SBI

3999.34Cr

Industry Average

1905.12Cr

SBI

Industry Average

Performance Index

ICR%

SBI

87.86%

Industry Average

83.49%

SBI

Industry Average

SBI Health Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

SBI Health Insurance

Pros and Cons

Pros

Critical illness lump-sum benefit for listed major diseases
Covers hospitalisation, ICU, surgeries, and 500+ daycare procedure
20,000+ cashless network hospitals across India
Maternity and newborn cover available after waiting period
100% sum insured restoration in select plans like Arogya Supreme
Preventive health check-ups and wellness benefits offered
Premiums eligible for tax deduction under Section 80D

Cons

24–48 month waiting period for pre-existing conditions
Room rent and ICU sub-limits in older or basic plans
Higher premiums for restore/global coverage variants
OPD and global cover only in premium tiers
Reimbursement claims take longer than cashless ones

Pros

Critical illness lump-sum benefit for listed major diseases
Covers hospitalisation, ICU, surgeries, and 500+ daycare procedure
20,000+ cashless network hospitals across India
Maternity and newborn cover available after waiting period
100% sum insured restoration in select plans like Arogya Supreme
Preventive health check-ups and wellness benefits offered
Premiums eligible for tax deduction under Section 80D

Cons

24–48 month waiting period for pre-existing conditions
Room rent and ICU sub-limits in older or basic plans
Higher premiums for restore/global coverage variants
OPD and global cover only in premium tiers
Reimbursement claims take longer than cashless ones

SBI Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

SBI Types

Maternity and Child Health Plans

SBI’s Maternity and Child Health plans cover delivery, postnatal care, and newborn expenses. Ideal for young couples, they ensure quality medical care without financial stress.

Individual Health Insurance

SBI Individual Health Insurance provides complete protection for one person under a single policy, covering hospitalisation, ICU, medicines, and modern treatments. It includes cashless claims across 20,000+ hospitals and annual health check-ups.

Family Floater Health Insurance

SBI Family Floater plan covers your entire family under one premium. It includes spouse, children, and dependent parents, offering daycare, consumables, and wellness benefits for affordable, all-round protection.

Top-Up and Super Top-Up Plans

SBI’s Top-Up and Super Top-Up plans enhance your coverage after the deductible limit. Ideal for high expenses, they offer affordable protection and financial relief from large hospital bills.

Critical Illness Insurance

SBI Critical Illness Insurance provides a lump-sum payout on diagnosis of serious diseases like cancer or heart ailments. It ensures financial independence and peace of mind during tough recovery periods.

Senior Citizen Health Insurance

SBI Senior Citizen plans offer lifelong renewability, shorter waiting periods, AYUSH coverage, and home-based care. Tailored for those aged 60+, they ensure dependable and dignified healthcare support.

Corporate and Group Health Insurance

SBI Group Health Insurance protects employees and dependents under flexible, tax-saving corporate plans. It ensures fast cashless claim settlements, boosting workplace wellness and employee satisfaction.

Personal Accident Insurance

SBI Personal Accident Insurance covers accidental death, disability, and income loss. It offers dependent education support, ensuring complete family security and peace of mind against unforeseen accidents.

Disease-Specific Plans

SBI Health Insurance provides specialised plans for illnesses like cancer, diabetes, or cardiac conditions. These offer lump-sum payouts, monitoring, and treatment coverage for focused financial protection.

Wellness and Lifestyle-Based Plans

SBI promotes preventive care through wellness-linked plans with teleconsultations, fitness tracking, and health check-ups. Earn discounts or rewards for healthy habits while maintaining affordable coverage.

Maternity and Child Health Plans

SBI’s Maternity and Child Health plans cover delivery, postnatal care, and newborn expenses. Ideal for young couples, they ensure quality medical care without financial stress.

Individual Health Insurance

SBI Individual Health Insurance provides complete protection for one person under a single policy, covering hospitalisation, ICU, medicines, and modern treatments. It includes cashless claims across 20,000+ hospitals and annual health check-ups.

Family Floater Health Insurance

SBI Family Floater plan covers your entire family under one premium. It includes spouse, children, and dependent parents, offering daycare, consumables, and wellness benefits for affordable, all-round protection.

Top-Up and Super Top-Up Plans

SBI’s Top-Up and Super Top-Up plans enhance your coverage after the deductible limit. Ideal for high expenses, they offer affordable protection and financial relief from large hospital bills.

Critical Illness Insurance

SBI Critical Illness Insurance provides a lump-sum payout on diagnosis of serious diseases like cancer or heart ailments. It ensures financial independence and peace of mind during tough recovery periods.

Senior Citizen Health Insurance

SBI Senior Citizen plans offer lifelong renewability, shorter waiting periods, AYUSH coverage, and home-based care. Tailored for those aged 60+, they ensure dependable and dignified healthcare support.

Corporate and Group Health Insurance

SBI Group Health Insurance protects employees and dependents under flexible, tax-saving corporate plans. It ensures fast cashless claim settlements, boosting workplace wellness and employee satisfaction.

Personal Accident Insurance

SBI Personal Accident Insurance covers accidental death, disability, and income loss. It offers dependent education support, ensuring complete family security and peace of mind against unforeseen accidents.

Disease-Specific Plans

SBI Health Insurance provides specialised plans for illnesses like cancer, diabetes, or cardiac conditions. These offer lump-sum payouts, monitoring, and treatment coverage for focused financial protection.

Wellness and Lifestyle-Based Plans

SBI promotes preventive care through wellness-linked plans with teleconsultations, fitness tracking, and health check-ups. Earn discounts or rewards for healthy habits while maintaining affordable coverage.

Documents Required

ID Proof

Aadhar Card, PAN Card, or Passport — used to verify the applicant’s identity and personal details.

Address Proof

Utility Bill or Voter ID — confirms the applicant’s current residential address for correspondence.

Age Proof

Birth Certificate or Driving License — required to determine eligibility and premium calculation.

Recent Passport-Size Photographs

Helps in identity verification and policy documentation purposes.

Income Proof (if required)

Needed for high cover plans to assess premium affordability and financial eligibility.

ID Proof

Aadhar Card, PAN Card, or Passport — used to verify the applicant’s identity and personal details.

Address Proof

Utility Bill or Voter ID — confirms the applicant’s current residential address for correspondence.

Age Proof

Birth Certificate or Driving License — required to determine eligibility and premium calculation.

Recent Passport-Size Photographs

Helps in identity verification and policy documentation purposes.

Income Proof (if required)

Needed for high cover plans to assess premium affordability and financial eligibility.

SBI Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

SBI Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

1-5 of 7 Process

SBI Network Hospitals

20,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

20,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

SBI Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

SBI Health Insurance

How to Buy SBI?

Follow these simple steps to purchase your SBI health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

Renew policy timely to maintain coverage.
Grace period available, renew to avoid gaps.
Review coverage, adjust insured sum/add-ons.
Confirm payment, contact support if necessary.
Update contact details for timely notifications.

SBI Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.