SBI General Insurance is a subsidiary of India's largest public sector bank- State Bank of India. Founded in 2008, the company has insurance products across motor, travel, home, and health sectors.
SBI Health insurance plans
Arogya Plus
SBI Arogya Plus is a limited plan that offers coverage of up to ₹3 lakhs. This severely limits its usefulness for anybody living in Tier-1 and Tier-2 cities and it’s not a plan that we could recommend for those seeking comprehensive protection. So even if you’re on a budget, you can find better options than SBI Arogya Plus.
Arogya Premier
SBI Arogya Premier is a pretty good policy. It covers most bases. It doesn't have any outrageous conditions. It offers a whole host of benefits. The only downside - If you have pre-existing diseases, you will have to wait 4 years for the policy to start covering complications arising out of these ailments too.
Super Health Platinum Infinite
SBI’s Super Health series peaks with its Platinum Infinite plan, which is its most premium variant and offers a long list of features. It’s quite comprehensive, considering that it provides maternity coverage of up to ₹2 lakhs with a 2-year waiting period, an OPD coverage of up to 10k/year, and an unlimited restoration perk of up to 200% of the base sum insured for any ailment. Additionally, the policy, like other plans from the SBI Super Health series, extends the Multiplier Health feature. Under this, the insurer offers you an additional 3X of the base sum insured once a year to fund your treatment of any of the listed critical ailments. Despite such premium features, the policy fails to be considered a great pick due to SBI’s overall operational inefficiency and poor credibility.
Arogya Supreme Plus
SBI Arogya Supreme Plus is the upgraded version of SBI Arogya Supreme Pro. The primary update is that t hey increased the post-hopsitalisation cover from 60 to 90 days. Apart form this, cataracts and modern treatments have a disease-wise sub-limit, which can limit your coverage. This plan also has a nominal No-Claim Bonus of only 15% (up to 100%) with clawbacks. In short, there are other comprehehsive policies out there at a similar price-point.
Super Health Premier
The Super Health Premier is an updated version of the insurer’s Super Health Elite plan. The Health Premier policy is an average pick overall, with a 2-year waiting period and maternity coverage (₹50k in the case of C-section and ₹25k in the case of normal delivery) with a 2-year waiting period. Similar to the Super Health Elite plan, this policy also offers an additional 2X of the base sum insured in case the policyholder is diagnosed with a critical ailment that has been listed by the insurer. The amount so disbursed is targeted at funding any treatment of the critical ailment, and the perk can be availed of only once per policy year. Unfortunately, SBI’s market credibility and operational issues knock the policy out from even being considered as an option when choosing a comprehensive health insurance plan.
Super Health Platinum
SBI Super Health Platinum is one of the premium variants of the Super Health series and is an upgraded version of Super Health Premier. Health Platinum could be a decent pick considering it offers features like - 2 years waiting period for PEDs, maternity coverage (₹75k in the case of C-section and ₹50k in the case of normal delivery) with a 2-year waiting period, an OPD coverage of up to ₹5k/year and the Multiplier Health feature. Despite the decent offerings and appreciable waiting periods, the policy fails to be considered one of the top in the industry. This can be attributed to SBI’s dismal performance across the credibility metrics.
Retail Health Policy
SBI Retail health is a relatively inexpensive policy. But it has a couple of restrictions. It only offers few benefits. And if you’re looking for a policy that offers comprehensive coverage, this one might be a letdown.
Arogya Top-up
Arogya Top-Up plan is a decent option and it allows you to extend your cover by a maximum of about 50 lakhs. However, in our opinion, it is never a good idea to buy a top up policy in the first place. Always choose a super to up plan and if you want to know the difference, click here.
Arogya Supreme Premium
SBI Arogya Supreme Premium is the upgraded version of SBI Arogya Supreme Plus. The primary update is that t hey increased the post-hopsitalisation cover from 90 to 180 days. The plan has an extensive disease-wise sub-limit on cataracts and modern treatments, which can be a hindrance. Additionally, the policy also has a nominal No-Claim Bonus of only 15% (up to 100%) with clawbacks. If you are looking for a comprehensive policy that is worth your premiums, there are other policies out there!
Super Health Prime
This is a basic yet comprehensive health insurance plan from the stable of SBI, and the policy comes with a unique offering. The policy, in general, offers all the basic features, unlimited restoration (any ailments), and a sweet, short waiting period of only 2 years for PEDs. However, there is a unique add-on that is worth the mention - the policy has an add-on called Domestic Help/Staff Cover. Under this add-on, you can include your domestic help/staff member for coverage up to the pre-decided limits. However, despite such a unique feature, the plan is still not among the top recommended policies, mainly because of its insurer’s questionable credibility.
Super Health Elite
Super Health Elite is a slightly improvised and 2.0 version of SBI’s Super Health Prime. The Health Elite variant is equally comprehensive and offers a few perks that are similar to the features offered by industry-best plans. The plan has a short 2-year waiting period for PEDs and a Multiplier Health feature under which if the insured is diagnosed with a critical ailment (as listed by the insurer), SBI will pay off an additional cover amount that is 2 or 3 times the base coverage. This perk can be availed once a year for treatment of this critical ailment. However, the perks don’t exactly play out in the policy’s favour since SBI has a dismal credibility track record and issues with its overall operational efficiency.
Arogya Supreme Pro
SBI Arogya Supreme Pro is a basic health insurance plan with quite a few caveats. The plan has an extensive set of disease-wise sub-limits on cataracts and modern treatments. Additionally, the policy also has a nominal No-Claim Bonus of only 15% (up to 100%) with clawbacks and a nominal pre and post-hospitalisation coverage of only 30 and 60 days, respectively. SBI’s operational metrics aren’t worth the mention as well. So, if you are looking for comprehensive health insurance, there are better policies out there.
SBI Health insurance claim process
SBI claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of SBI's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
SBI Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the SBI website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your SBI health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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