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SBI Hеalth Insurancе

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97%

Claim Settlement Ratio

20,000+

Network Hospitals

7

Overall Rating

SBI Hеalth Insurancе

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.

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...

SBI Hеalth Insurancе

Top SBI Hеalth Insurancе Plans

SBI Arogya Supreme Insurance

SBI Arogya Supreme Insurance

  • Budget-friendly and IRDAI-standardised benefits

  • No Claim Bonus increases cover every year

  • Covers hospitalisation, surgeries, ICU, and daycare procedures

Most Popular

SBI Health Edge Insurance

SBI Health Edge Insurance

  • 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

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani 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 Hеalth Insurancе

About SBI Hеalth Insurancе

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе...

SBI Hеalth Insurancе

SBI Hеalth Insurancе Rating

Overall Rating

7.0

out of 10

Solvency

2.9/4

ICR

1.7/3

Growth

2.4/3

Performance Index

Gross Direct Premium

SBI Hеalth Insurancе

3999.34Cr

Industry Average

1905.12Cr

SBI Hеalth Insurancе

Industry Average

Performance Index

ICR%

SBI Hеalth Insurancе

87.86%

Industry Average

83.49%

SBI Hеalth Insurancе

Industry Average

SBI Hеalth Insurancе

Customer Testimonials

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

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

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

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

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

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

SBI Hеalth Insurancе

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

SBI Hеalth Insurancе

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 Hеalth Insurancе 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.

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.

SBI Hеalth Insurancе

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 Hеalth Insurancе

Renewal Process

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

1-5 of 7 Process

SBI Hеalth Insurancе 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

SBI Hеalth Insurancе

Features Comparison

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

SBI Hеalth Insurancе

How to Buy SBI Hеalth Insurancе?

Follow these simple steps to purchase your SBI Hеalth Insurancе 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 Hеalth Insurancе

Still Confused? Get Expert Guidance

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

SBI Hеalth Insurancе

Frequently Asked Questions

Get answers to common questions about our insurance policies and services.

1-5 of 20 FAQs