SBI Group Health Insurance, SBI General’s Health Insurance Policy for Individual and Family

SBI General Health Insurance Review

SBI General Health Insurance sum insured
1 lac − 30 lacs options available

Incurred Claims Ratio *
77.00%

SBI General Health Insurance tenure options
1 and 3 years options available

Claims Settlement Ratio **
75.20%

List of network hospitals
6,000+ hospitals

Number of policies issued *
637,615

Maximum family floater coverage
Self, Spouse + 2 dependent children (upto age of 23 yrs)

Number of lives covered *
4,654,150

* As per IRDAI report for 2020-21 | ** As per NL25 data published on the Insurance Company website

Ambulance charges	1% of SI up to a max of Rs. 1500.
Domiciliary Hospitalisation	Reasonable and Customary Charges towards Domiciliary Hospitalisation as defined in Policy subject to 20% of the Sum Insured maximum up to Rs. 20000 whichever is less.
Co-Payment on claims in non-network hospitals	10% on all eligible admissible claims.
Cashless facility	Across SBI General's Network Hospitals
Day Care Surgery procedures	Covers select Day Care Surgery where less than 24 hours hospitalisation for specified procedures like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental Surgery (Due to accident), Tonsillectomy, etc are covered.
Room boarding and Nursing charges ICU Charges	1%/day for Non ICU and 2%/day for ICU. All incremental Expenses pertaining to room rent, medical practitioners / specialists fees and other incidental Expenses to be borne by the insured.
Pre-hospitalisation Expenses Coverage	30 days prior to date of admission into the hospital.
Post-hospitalisation Expenses Coverage	60 days after the date of discharge from the hospital.

Coverage from 1 lac to 5 lac
No pre-policy medical test up to the age of 65 years for people with no medical history
Multiple Coverage Options – Individual & Family Floater options for Sum Insured
The premium paid is exempt under Section 80 D of the Income Tax Act from income tax
Cashless treatment in more than 3,000 hospitals in the network

Any condition, ailment or injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of your first policy, until 48 consecutive months have elapsed, after the date of inception of the first policy with us.
Any disease contracted during the first 30 days of commencement of the policy.
Certain diseases/surgeries like Hernia, Hydrocele etc shall be covered after a waiting period of 1 year.
Treatment with alternative medicines like acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy.
Treatment arising from or traceable to pregnancy (whether uterine or extra uterine) and childbirth including caesarean section, and/or any treatment related to prenatal and postnatal care.
Congenital diseases
All expenses related to AIDS and related diseases.
Use/Abuse of intoxicating drugs or alcohol.