SBI General Insurance is a leading provider of medical insurance in India. It has some excellent policies on offer that cater to a large number of people from all walks of life. SBI General Insurance has mediclaim plans for individuals, families, groups, etc.
The company has an extensive network of hospitals nationwide, making it convenient for customers to use the coverage effectively. The company also has a healthy claim settlement ratio, making it a trusted name in the Indian insurance industry.
Here’s a detailed look at some of the features and benefits of one of their most popular health insurance plans with a high range of flexibilities such as:
This is a comprehensive health indemnity plan with 20 basic covers along with 8 add-on covers with a wide range of coverage options.
There are several other options, so you need to list down your own needs and requirements to understand which plan is most suitable for you. Browse through all the options and then make an informed decision.
The SBI Health Insurance plans have been designed with a lot of care and precision. This is why you get perfect coverage each time you choose a health policy from SBI, the features of which include:
If you are wondering why you should choose SBI Health Insurance over the other medical insurance providers in India, here are some pointers to help you out:
The best SBI Health Insurance plans offer the following covers which allow you to get comprehensive medical care when you are sick or injured:
The different plans have different ranges of inclusions, and this is why you must read the policy wording very carefully when purchasing a health insurance plan from SBI GIC.
There are some standard exclusions listed under most of the SBI Health Insurance plans such as:
Read the policy wording very carefully to know your exact scope of coverage. This will help you to make a correct and appropriate claim which will be processed quickly and smoothly.
When you buy health insurance, you should be deliberate. It is not the best idea to get the first plan you come across, or simply opt for a health insurance plan that is the least expensive option. These are incorrect parameters for choosing a policy, as the insurance provider you choose is just as important as the coverage provided.
You need to choose a good medical insurance company that can assist you when there is a requirement. A trusted name like SBI General comes in handy at such times. Not only does the insurer pay out your claim efficiently, but it also completes all the processes with complete transparency and you get what you rightfully deserve.
This is one of the main reasons why you should stress about getting your health insurance plan from one of the best health insurance companies in India, SBI General Insurance.
SBI GIC has some of the best health insurance policies in India. However, you cannot blindly get any policy as you need to be aware of your needs and preferences. This is why you must make a comprehensive list of health insurance requirements, budget, and other important parameters and then look for the best health plan.
It also helps to compare the plans before you buy as when you compare, you get to see all the options which eventually helps you to make an informed decision.
When you sit to buy SBI Health Insurance online, make sure you have your ID and address proofs with you, along with any required medical or health certificate, as that will expedite the process and minimise unnecessary delays.
The process to buy SBI Health Insurance online is very simple and the documentation is minimal. If you are young and healthy, you just need to have the following when purchasing a health cover:
Just keep the papers ready and you will have the perfect health insurance policy in just a few moments.
You can renew your Health Insurance Plans SBI plans at any time, as the entire process is online. It is a quick and simple process that allows you to have uninterrupted medical insurance coverage. All you have to do is:
There are two ways in which you can claim your SBI Health Insurance plan:
Following is the list of documents required to file a claim against SBI General health insurance policy.
SBI General Insurance Company has been functioning in India since 2009. It has been a leading provider of email insurance in the country and has served the people with commitment and trust. As a result, SBI GIC has received several awards and accolades over the years such as:
SBI has an extensive presence with about 23,000 branches. The health insurance policies provided by SBI GIC are available for SBI account holders.
Adults aged between 18 to 65 years, and children between 3 months to 18 years of age are eligible to opt for the health plan. The policy has a one year waiting period for specified diseases. The policyholder can make cashless and reimbursement claims. Pre-policy medical test is not required up to 65 years of age for people with no medical history. The insurance coverage varies from Rs. 50,000 to Rs. 5,00,000.
Cashless treatment is available at 3000+ network hospitals across the country. Pre and post hospitalisation expenses are covered under this plan. The premiums paid towards the health insurance policy are eligible to receive tax benefits under Section 80D of the Income Tax Act, 1961.
| Cashless Claim Procedure | Reimbursement Claim Procedure |
|---|---|
SBI General Health Insurance company has an extensive network of 3000+ cashless hospitals through which the policyholders can get quality services with cashless facilities. To locate the nearest network hospital, log on to the official website of the SBI General Health Insurance and visit the “Hospital Network” section.
SBI Health insurance has always focused on helping their customers to make better informed decisions that give them better healthcare and a sense of security. It offers health insurance plans ranging from Rs. 50,000 to Rs. 50 lakhs. No pre-policy medical tests are required if the customer doesn’t have any medical history. SBI General Health Insurance offers individual and family floater plans that cover self-spouse, children and dependent parents, under one health insurance plan.
The policyholder can choose flexible plan options according to the location of the treatment. The company also offers lifelong renewability option to its customers. It has a quick and simple process to purchase and renew health insurance policies. They can be availed in a few simple steps from the company portal.
The health plans offered by the company include pre and post hospitalisation expenses. The policyholders can get free health check-ups up to a certain amount and are also eligible to receive no claim bonus and discounts. The health insurance coverage under SBI GIC can be enhanced by attaching additional coverage. Most importantly, the company offers a vast network of more than 3000 hospitals across the nation where you can get cashless treatment.
The premiums paid towards these health insurance plans are tax eligible under Section 80D of the Income Tax Act, 1961.
It is important to cover yourself against a sudden illness or injury that might leave you financially devastated and highly stressed. SBI General's health insurance plans help you manage your medical expenses ensuring quality, health, and happiness of your family.
Pre-hospitalisation expenses refer to the expenses incurred before the patient is moved to the hospital for treatment purpose. These expenses include:
Post hospitalisation expenses are similar in nature, but are incurred once the patient moves out of the hospital after treatment.
SBI health insurance covers treatment like chemotherapy, Tonsillectomy, Cataract, etc. under day care surgeries/treatments.
The minimum age to buy SBI health insurance policy is 18 years; however, children as young as 3 months can also be part of health coverage if both the parents are enrolled under the same health insurance plan.
SBI health insurance policies come with a policy term of up to three years.
Family floaters are the policies where the entire family is covered under one insurance plan. The premiums are calculated on the basis of the oldest person covered under the plan.
SBI Health insurance offers a grace period of 30 days wherein the policyholder is not entitled to pay for healthcare expenses, although the insurer accepts the hospitalisation due to accidents. There is no waiting period during the renewal of old policies.
Alternative medicine treatments such as reflexology, aromatherapy, chiropractic, osteopathy, naturopathy, acupuncture, and acupressure are not covered under health insurance policies from SBI General.
You can check your SBI Health insurance policy status by visiting the official website of SBI General health insurance. Log in with a correct login id and password, enter the policy number and check the status of your policy.
The company offers a free look period of 15 days within which you can cancel the policy and return it to the company. The company will refund the policy premium after deducting the stamp duty charges. You need to submit a duly filled form along with the original policy documents at the nearest SBI branch.
The policyholder needs to fill up the part A of the form that contains details such as personal details, policy number, insurance history, details of hospitalisation, details about the claim, and bank account details of the insured. The part B of the form has to be filled by the hospital authorities.
SBI health insurance premium is a fee paid to the company against the health coverage provided. The company offers a few modes of payment namely:
For online payment method, you can pay via credit card, debit card or net banking facility.
