Overview
The Super Health Elite plan by SBI is an enhanced version of the Super Health Prime policy, offering comprehensive health insurance coverage with a sum insured range of ₹3 lakhs to 25 lakhs . Key features include a short two-year waiting period for pre-existing diseases, a Multiplier Health benefit that provides additional coverage (For SI ₹3–10 Lacs: 2X of SI & ₹15 Lacs & above: 3X of SI) for listed 37 critical ailments, and coverage for modern treatments (up to Base SI), AYUSH therapies (up to Base SI, and bariatric surgery (up to 50K). The plan also includes optional wellness benefits like AI fitness coaching and nutrition consultations.
Experts' Review
Written by Nikhil Nair
Senior Writer
The SBI Super Health Elite plan is a robust health insurance solution that builds upon the Super Health Prime policy with enhanced features. Its Multiplier Health benefit is particularly noteworthy, offering additional coverage for critical ailments by paying out two to three times the base sum insured once a year. The short waiting period for pre-existing diseases and comprehensive coverage for modern treatments and AYUSH therapies add significant value.
However, the plan's benefits are somewhat overshadowed by SBI's operational challenges. The insurer's credibility and complaint volume have raised concerns, which may impact policyholders' experiences. While the plan offers competitive features, buyers should carefully evaluate these operational issues before opting for this policy. Additionally, the plan's premium costs and optional add-ons should be considered in light of its overall benefits.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Offers Multiplier Health, which makes this policy stand out.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.
SBI
Key Insights
Founded
2009
SBI was established 16 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96% claims settled in 30 Days
SBI settles 96% of all claims it receives demonstrating strong credibility.
Network Hospitals
16,600+
SBI has a strong network with over 16,600 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
21 complaints per 10,000 claims registered
SBI experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Multiplier Health
STANDOUT
The insurer will provide an extra sum insured up to 2x or 3x of the base cover once a year for the treatment if the insured member is diagnosed with any listed critical illness.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Customisable
Choose a co-payment between 10% and 20% to reduce premiums.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Add-ons
Enhanced ReInsure
Recommended
Restores the cover unlimited times up to 200% of the sum insured for any illness.
Voluntary Co-Payment
Choose a co-payment between 10% and 20% to reduce premiums.
Accidental Hospitalization Additional Cover
Additional 2x cover of base sum insured applicable for emergency-caused directly due to an accident.
Wellness Benefits
Get Health Assistance (A.I. Personal Fitness coaching), Dietician and Nutrition E-consultation along with unlimited gym membership. Additionally, the insurer offers renewal discount based on the number of steps walked by the insured members.
Aggregate Deductible
Choose deductible between ₹1,00,000 and ₹3,00,000 and get a discount on premiums.
Enhanced Cumulative Bonus Safeguard
Your bonus amount will not be affected if the claim is less than Rs. 1,00,000 in the entire year.
Domestic Help/Staff Cover
Covers the domestic help/staff member up to the defined limits.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), policyholder is not entitled to get the coverage for specifed ICD codes.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Internal congenital diseases
Diseases of gall bladder including cholecystitis
Pancreatitis
All forms of cirrhosis
Perianal abscesses
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
2 years Pre-existing disease waiting period
Ditto's Take
◦ Excellent ◦
After a close look at the waiting periods, we can say that the waiting periods on this policy are excellent. Especially the PED waiting period which is better than usual.
What's missing in the policy
Maternity benefits not offered.
Doctor consultations are not covered.
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Frequently Asked Questions
Does Super Health Elite have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
- 90-Day Waiting Period: Hospitalizations won’t be covered for Diabetes, Hypertension and Cardiac conditions if these are not diagnosed as PEDs at the time of purchase.
Does Super Health Elite have room rent restrictions?
Does Super Health Elite offer a restoration benefit?
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