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SBI Health Insurance

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SBI Health Insurance
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443

Launched in the year 2009, SBI General Insurance is one of the fastest-growing general insurance companies in India. The company has expanded its branches to 141 centers across India and has served 55.55 crore customers. [1] Commenced as a joint venture between State Bank of India (SBI) and Insurance Australia Group (IAG), since 2020 based on the stake sale by IAG, SBI now owns 70%, Napean Opportunities LLP (Premji Invest affiliate) owns 16.01%, Honey Wheat Investment Ltd. (an entity forming Warburg Pincus Group) owns 9.99%, PI Opportunities Fund-1 owns 2.35% and Axis New Opportunities AIF-I owns 1.65% stake in SBI General Insurance. [2] In the retail segment, the company offers products from motor insurance to home, travel, personal accident, cyber, health, and life insurance.

About SBI Health Insurance

SBI General Insurance offers various health insurance products keeping Indian customers’ specific requirements in mind. SBI health insurance plans offer comprehensive medical coverage that includes hospitalisation costs, in-patient hospitalisation expenses, daycare treatment, and many more. [3] The company also covers Ayush Treatment, Bariatric Surgery, Congenital Anomaly, and Mental Healthcare in select plans. SBI General Insurance’s health insurance plans are preferred by customers due to its plan-specific features of Claim Shield Protection, Health Multiplier for Serious Illness, OPD Cover, Global Treatment, and Assisted Reproductive Treatment. SBI General Insurance has a claim settlement ratio (CSR) of 66.08% as of FY22. [4]

Key Features

Some of the key features of SBI Health Insurance are mentioned below:

  • Claim Shield Protector: To minimise your out-of-pocket expenses, SBI’s claim shield protector covers your bills for consumables like gloves, masks, cotton bandages, etc. [5]
  • Health Multiplier for Serious Illness: In specific plans like SBI Super Health, a health multiplier can multiply your coverage for up to 3x at no additional cost if you are diagnosed with a serious illness.
  • ReInsure Benefit: In plans like Arogya Supreme, the sum insured gets reinstated right after the first claim made for each policy year. This may vary from plan to plan and is subject to the number of claims made, in some plans, there are options to get an unlimited refill of your sum insured.
  • Global Treatment: In plans like SBI Health Edge, you can avail the feature of getting global treatment done (in-patient care) for some of the serious illnesses listed in the Health Edge plan.

Health Insurance Calculator

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Eligibility to Purchase SBI Health Insurance Plan

Here’s the eligibility to purchase an SBI health insurance plan:


  • For individuals, the minimum age must be 18 years with upper age of 65 years
  • For children, the minimum age is 90 days onwards up to 25 years provided at least one of the parents is also a retail insurance policy holder of the company [7]

Top plans offered by SBI Health Insurance

Listed below are the top plans offered by SBI General Insurance under their medical/ health category:


Plan Type

Sum Insured

Ideally Suitable For

Arogya Supreme

Family Floater

Rs. 3 lakh to 20 lakh and Rs. 25 lakh and above for premium plan


Super Health Insurance

Family Floater and Individuals

Rs. 3 lakh to Rs. 2 crore

Family and Senior Citizens

Health Edge

Family Floater

Rs. 3 lakh to Rs. 25 lakh


SBI Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Top-up (1)
Name of PlanSum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years1 Lakh Check Premium

Riders offered by SBI Health Insurance

Some of the top riders offered under the various plans of SBI Health Insurance are as follows:

  • Critical Illnesses: Get the benefit of getting your medical bills paid for any critical illness listed by the company with a major illness or critical illness rider for plans like Arogya Supreme.
  • Global Treatment: Avail global treatment for serious illnesses with a rider in plans like Health Edge. This will help you get your in-patient hospitalisation covered even if you are getting your treatment overseas.
  • No Claim Bonus Protector: This rider gives you extra cushion while keeping your bonus intact even if some claims are made during the year. This rider is available with plans like Arogya Supreme.
  • Co-payment: Plans like Super Health Insurance, Arogya Supreme, and Health Edge come with an option to take the co-payment rider. Here SBI co-payment levies a co-payment of 10% or 20% as per the choice opted by the insured.
  • Assisted Reproductive Treatment: In case you have an assisted reproductive treatment, the company reimburses up to Rs. 1 lakh incurred on the treatment. This is subject to serving a waiting period of 48 months after policy issuance. [8]

*Please note: Riders can be availed by paying an additional premium for them along with your plan. Riders may vary depending on the plan you choose.

How To Purchase SBI Health Insurance Policy?

Here are the two ways through which you can purchase your SBI Health Insurance Policy:

Purchase SBI Health Insurance Policy via InsuranceDekho

Purchase SBI health insurance through InsuranceDekho either Online or through Home Visit

Steps for Purchasing SBI Health Insurance Policy with InsuranceDekho Online:

Step 1: Enter Your Details with InsuranceDekho

Visit InsuranceDekho’s health homepage or check the top right of this page to fill in your details

Step 2: Compare Health Plans

Get the details of top insurance for you and your family tailored to your needs based on the details provided to you. Compare and select the plan best suited for you.

Step 3: Complete Online Payment

Fill in the details required in Proposal Form 1, answer two simple questions in Proposal Form 2, submit your KYC, and make payment.

Step 4: Post Payment Contact

An InsuranceDekho relationship manager will contact you for policy issuance assistance post-payment.

Buy SBI General Insurance’s Health Insurance Policy with InsuranceDekho with complete assistance

Step 1: Enter your details on InsuranceDekho’s website

Visit and enter your details such as mobile number, age, pin-code

Step 2: Compare Health Plans

As per the details provided by you, InsuranceDekho will show you the top plans matching your profile. Check the details of these plans to compare.

Step 3: Schedule a callback

Schedule a call back from an InsuranceDekho advisor to assist you in the process of policy purchase.

Step 4: Connect with an InsuranceDekho Advisor

An IRDAI-certified AV advisor from InsuranceDekho will connect with you to assist in purchasing the best health insurance policy for you and your loved ones based on the details provided by you on our website. In case you require further assistance at the convenience of your home, we will send our advisor to your home for free assistance.

Purchase SBI Health Insurance Policy From Insurer Website

Here’s how you can purchase SBI Health Insurance through their website [9]:

Step 1: Visit the Health Insurance Page on SBI General Website

Open your web browser and then go to the official website of SBI General Insurance and select health insurance from our products section.

Step 2: Fill in the Required Details

Once you click on the health insurance tab, you will be redirected to the main page of SBI health insurance. Fill in your details (name, phone number, and email address) and click on get quote.

Step 3: Choose a Plan

Once you click on the get quote button you will reach a page with all the plans offered by SBI under health insurance. You can choose a plan of your choice.

Step 4: Select Add-ons

After selecting your plan of choice, you will have the option to select the add-ons as per your requirements. You can then move forward.

Step 5: Make Premium Payment Online

Proceed to the buy now section and complete the premium payment for your choice of SBI health insurance plan.

Note that whether you purchase an SBI health insurance policy from InsuranceDekho or SBI General Insurance’s company website, you will get an update on your registered mobile number and email address.

Benefits of purchasing your Policy from InsuranceDekho

  • Get Dual Assistance: When you buy a policy from InsuranceDekho you get access to dual assistance - from SBI General Insurance’s team and the InsuranceDekho team.
  • Get Complete Support: We make you our priority and give our complete support in obtaining urgent approvals from the insurers on your behalf.

  • Get Unbiased Recommendation: Get an unbiased recommendation from our team of experts on the best plan for you based on your needs and requirements.

Documents Required for Purchasing Your Policy

Here is a list of documents required to purchase an SBI Health Plan:

  1. Copy of proposal form or online OTP verification
  2. Age Proof (10th or 12th mark sheet, voter’s ID, passport, PAN card, driving license)
  3. Address Proof (aadhaar card, passport, driving license, electricity bill, telephone bill, voter’s ID)
  4. Medical Reports

How to Claim Your Health Insurance?

With the announcement of “Cashless Everywhere” [10] by the General Insurance Council of India, you can avail of coverage from SBI health insurance by informing their customer support team about your hospitalisation in the following manner:

  • In case of planned hospitalisation: 2 days before hospitalisation
  • In case of an emergency: within 24 hours of hospitalisation [11]

Please note, that a claim must be made within 15 days post hospitalisation. [12]

However, the General Insurance Council has emphasised that the claim must adhere to the terms and conditions listed by the insurer in your policy document.

It is also important to make sure that the hospital of your choice is not in the excluded or blacklisted hospital list of SBI General Insurance. To check out the list of blacklisted hospitals, visit SBI’s hospital list section on their website and click on the blacklisted hospitals button. By doing so, a PDF will be downloaded on your device which contains the entire list of blacklisted hospitals. [13]

Awards and Achievements of SBI General Insurance

  1. General Insurance Company of the Year - 4th Annual BFSI Excellence Award 2023
  2. Best General Insurance Company India Runner Up - Emerging Asia Insurance Awards 2023
  3. Corporate Excellence Award - Rural Marketing Association of India 2023
  4. One of the Best Brands in 2023 - ET Edge Best Brands Award 2023
  5. Sales Champion in the non-Life Insurance Category - ET Edge Best Brands Awards 2023
  6. Highest Growth General Insurance Runner Up - ASSOCHAM 15th Global Insurance Summit & Awards 2023

SBI Health Insurance - Customer Service & Support

Connect with SBI Health Insurance in the following ways with any queries you may have:

  • Call 1800-102-1111 to get your queries answered
  • Contact their toll-free number 1800 22 1111 or SMS "CLAIM" to 561612 and then to get your claim number/reference number
  • You can also visit the Contact Us page of the company on their website and select from the options:
    • Quick Assist: This will redirect you to the customer portal. You can write to them there or download your policy document, edit or modify your policy, check policy status, cancel your policy, etc
    • Request a Call Back: When you click on this button, you will be redirected to a form page where you can enter your details like name, phone number, and email address and then choose health insurance in the product option, enter the captcha, and then click the submit button. You will get a call back from their team.
    • Queries & Suggestions: In case you have any queries or suggestions, click on the queries and suggestions button to get to the form page where you can add your details and inputs in the remarks section, enter captcha, and then submit.
    • View Location Map: You can also choose to visit the nearest branch office by clicking on the view location map button.

To make your life hassle-free, connect with an InsuranceDekho relationship manager by calling +91-7551196989

Complaints & Grievance Redressal

To get your health insurance-related grievance, do the following:

  • Call SBI General Insurance’s 24*7 toll-free number for claim-related queries 1800 210 3366 / 1800 210 6366 or email at or write to them at SBI General Insurance Company Limited, 9th Floor, Westport, Pan Card Club Road, Baner, Pune, Maharashtra - 411 045
  • For grievance redressal write to
  • For grievance redressal of Senior Citizens, write to them at or call on the Toll Free number 1800 22 1111 / 1800 102 1111 Monday to Saturday (8 am - 8 pm)
  • In case you are not satisfied with the response, reach out to the Grievance Redressal Office at or contact Mr. Virag Mishra at 022-45138021.

You can also contact InsuranceDekho at or visit here for more details: to get your grievance and redressal done through us.



Key Metrics

Here are some key metrics to keep in mind for SBI Health (SBI General Insurance):

Key Metrics


Claim Settlement Ratio (FY 2022)


Solvency Ratio (March 2023)


Lives Covered

55.55 crore

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered good to buy insurance from.

*The solvency ratio [6] is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from.

*Life covered refers to the number of people insured, the data source is SBI General Insurance’s official website [1]

Health Insurance News


  • Why should I invest in health insurance policy from SBI General Insurance?

    SBI General Insurance is a great option to buy a health insurance policy. The insurer not only ensures financial protection of an individual, but an entire family and provides them with the much-desired peace of mind. By investing in SBI General health insurance policy, you can benefit from wide health coverage, direct & hassle-free claim settlement, lifetime policy renewal and numerous other benefits. Overall, you won’t be disappointed with SBI General Health Insurance in any which way.


  • How can I buy and apply for SBI General health insurance policy?

    SBI General health insurance policy is easy to apply and buy online. You can either visit the official website of SBI General Insurance or InsuranceDekho to apply and purchase the SBI General's health insurance policy that suits your specific needs the best.


  • Which health insurance policies does SBI General Insurance provide?

    SBI General Insurance, under its health insurance category, offers Arogya Premier Policy, Arogya Plus Policy, Arogya Top Up Policy, Group Health Insurance Policy, Critical Illness Insurance Policy, and Hospital Daily Cash.  

  • How many network hospitals does SBI General Insurance cover?

    There are 6,000+ well-equipped network hospitals covered under SBI General Insurance. 

  • What is the toll-free customer care number of SBI General Insurance?

    The toll-free number of SBI General Insurance is 1800 221 111. 

User Reviews

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What users are saying
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  • Comparing health insurance mad...

    Finding insurance was made simple by InsuranceDekho! After entering my information, I was presented with a list of possibilities. I got the finest deal when I purchased security for my family and myself because SBI health insurance covered us.

    By Ria Chauhan
    On: May 29, 2024
  • Informative Website

    Indeed, InsuranceDekho is the best! I bought the SBI Health Insurance Policy from the company’s official website. The information available on the website made it 100% easier for me to compare the plans myself. After comparing multiple plans listed on their website, I bought the SBI health insurance plan as it provided me with the best coverage. Happy to get the best health plan from the most trustworthy company.

    By Shubham Singla
    On: Mar 11, 2024
  • Easy Policy Renewal

    It has been quite some years since I bought SBI Health Insurance Plan from InsuranceDekho’s website. But, even to date, I get reminders about the renewal date so that I am easily able to buy Bharti Axa Life Invest Once plan from InsuranceDekho.

    By Shivam Raghav
    On: Mar 01, 2024
  • Hardworking Support Team

    The Customer Care team is fabulous at InsuranceDekho company. They put all their efforts into making my purchasing health insurance policy experience much easier and smoother. I bought the SBI Health Insurance Plan from the website. It was easy to compare the health insurance policies and choose the best one for myself.

    By Sandeep Kumar
    On: Feb 13, 2024
  • The Claiming was easily settle...

    When I was buying the SBI Health Insurance Plan from InsuranceDekho, my claim was settled on time. With the help of the supporting team of InsuranceDekho, raising a claim against SBI health insurance was quite easy.

    By Ashish Kumar
    On: Dec 13, 2023