What is the Super Health Insurance Policy?

The SBI Super Health plan is a new and comprehensive health insurance offering from SBI Health Insurance. This plan caters to all your healthcare needs and is customizable based on your requirements. It is available for individuals and families as a foster plan, with adults being eligible from 18 years of age and dependent children from 91 days old.

The Super Health Insurance plan by SBI is a great option as it does not have a maximum age limit for the proposer and their family members. Additionally, the plan offers various variants, catering to different needs and preferences.

The SBI Super Health Insurance plan offers a comprehensive range of 27 base and 7 options covers, catering to varying healthcare needs. With sum insured options from 3 lakh rupees to 2 crore rupees, the policy provides extensive coverage for medical expenses. Key benefits include re-insure benefits, health multiplier benefits, annual health check-ups and access to global medical treatments, making it a versatile and reliable health insurance option.

Types of Super Health Insurance Policies

This policy offers the flexibility of being taken as an individual plan or a family floater plan. The details for the same have been discussed below.

Individual

An individual can designate as beneficiaries their legally married spouse, children, parents, siblings, grandparents, grandchildren, in-laws, uncles, aunts, nephews, nieces or any other person with whom they have a legally recognized insurable interest.

Family Floater

An individual can include his/her legally married spouse, dependent children (whether through natural birth or legal adoption), as well as your parents and parents-in-law as eligible individuals for certain benefits or legal purposes.

Super Health Insurance Policy Specifications

Specification	Description
Eligibility	Adults can join at 18 years and children at 91 days and there is no maximum age limit
Sum Insured Options	From ₹3 Lakhs to ₹2 Crores.
Base Covers	27 insurance plans covering Hospitalization, pre and post-hospitalization, daycare treatment and domiciliary hospitalization
Optional Covers	7 covers for Health Assistance, Dietician & Nutrition e-consultation and unlimited gym membership
Annual Health Check-up	Up to ₹10,000 per year depending on the plan chosen, from the first renewal
Maternity and Related Expenses	Medical expenses covered up to 2 lakh rupees, including pre & post-natal care and expenses for newborn
AYUSH Treatment	Coverage for Ayurveda, Unani, Siddha, and Homeopathy systems of medicines.
Enhanced Cumulative Bonus	No-claim bonus increases the insured amount
ReInsure Benefit	Unlimited coverage available for added protection
Claims Shield	Coverage for consumables such as gloves, masks, cotton, bandages etc to reduce expenses
Health Multiplier	Triple coverage at no extra cost for serious illness
Aggregate Deductible	The insured person pays the chosen deductible amount for eligible claims
Additional Basic Sum Insured for Accident	Double base sum insured for accident-related medical expenses
Co-payment	10% or 20% co-payment after the deductible specified in the policy schedule
Emergency Road Ambulance Cover	Included in the coverage for emergencies.
Organ Donor Expenses	Organ donation expense coverage
Lifelong Renewability	The policy can be renewed for life with no age limit
Free Look Period	15 days to review and return the policy document if not acceptable
Migration of Policy	Apply at least 30 days before policy renewal to switch health insurance plans
Portability	Port the policy to other insurers by applying 45 to 60 days before renewal
Standard Exclusions	Investigation and evaluation for obesity, cosmetic surgery, hazardous sports, breach of law, alcoholism, drug abuse, unproven treatments, and sterility.

Coverage Benefits of SBI Super Health Insurance Policy

The table provides a detailed overview of the coverage benefits available through the SBI Super Health Insurance policy, as outlined in the official policy document. This comprehensive summary will help prospective policyholders understand the extent of their coverage if they wish to purchase the super health policy from SBI.

Coverage Benefit	Description
Inpatient Hospitalization	Covers necessary treatment for illness or injury, including room rent, medical expenses, surgeon and specialist fees, anaesthesia, operation charges and diagnostic procedures
Health Multiplier Benefit	Triple coverage for 37 serious illnesses at no extra cost
ReInsure Benefit	Unlimited reinstatement of the sum insured with no additional premium for extra protection starting from the first claim in a policy year
Shared Accommodation Cash Benefit	Daily cash benefit for a hospital stay in a shared room for over 48 hours
Pre-Hospitalization Medical Expenses	Covers expenses for 60 days before hospitalization
Post-Hospitalization Medical Expenses	Covers expenses for 180 days after discharge
Day Care Treatment	Covers medical expenses for daycare treatment up to the sum insured
Domiciliary Hospitalization	Covers domiciliary hospitalization expenses
Emergency Road Ambulance Cover	Pays for emergency road ambulance services
Organ Donor Expenses	Covers organ donation expenses
Modern Treatment Cover	Covers modern treatments like robotic surgeries and stem cell therapy expenses
Annual Health Check-up	Annual health check-ups cover up to 10,000 rupees per year
AYUSH Treatment	Inpatient care covered for Ayurveda, Unani, Siddha and Homeopathy
New Born Baby Cover	Covers medical expenses for a newborn baby if the maternity claim is valid
Maternity and Related Expenses	Includes maternity and related expenses such as pre and post-natal checkups
Enhanced Cumulative Bonus	No claim years increase the sum insured with an enhanced cumulative bonus
Bariatric Surgery Cover	Covers expenses for bariatric surgery.
Claims Shield	Covers the payment of consumables like gloves, masks, cotton, and bandages.
Wellness Benefit	Offers wellness services, health assistance, dietician and nutrition e-consultation, and gym membership.
Walk Healthy Benefit	Offers a discount on renewal premium if the insured achieves the health points target.
Additional Basic Sum Insured for Accident	Provides additional coverage for medical expenses due to an accident-causing injury.
Co-payment	Requires a 10% or 20% co-payment on each admissible claim after the deductible.

What’s Covered and Not Covered in SBI Super Health Insurance Policy

SBI Super Health Insurance Inclusions

Inpatient Hospital Care
Cash Benefit for Shared Accommodation
Health Multiplier for 37 Critical Illnesses
Medical Costs Before Hospitalization
Day Care Procedures
Home-Based Hospitalization
Home Health Services
Emergency Road Ambulance Services (Per Hospitalization)
Domestic Air Ambulance Services
ReInsure Coverage (For Both Related and Unrelated Illnesses)
Coverage for Bariatric Surgery
Advanced Treatments and Procedures
AYUSH System Treatment
Recovery Assistance Benefit
Consumables Cover
Annual Health Screening
Maternity and Related Costs (Including Pre and Post post-natal check-ups)
Coverage for New Born Babies
Increased Cumulative Bonus
Loyalty Enhancement (Sum Insured Increase Irrespective of Claims)
Medical Treatment Abroad (For Listed Major Illnesses Diagnosed in India)
Outpatient (OPD) Coverage (Including Diagnostic and Pharmacy Costs)
Outpatient (OPD) Coverage for Dental and Vision
Outpatient and Prescribed Diagnostic Tests for Cancer Patients

SBI Super Health Insurance Waiting Period

Pre-existing diseases are covered after the waiting period if the policy is continuously renewed. Hypertension is covered after 2 years of renewal.

Similar Insurance Company Plans

Arogya Supreme Policy

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

SBI Super Health Insurance Policy

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

Show All Plan

SBI Super Health Insurance Claim Process

Policyholders must promptly notify either SBI General or the Third-Party Administrator (TPA) in the event of an accident or illness requiring hospitalization or daycare, through a phone call or email.

To get a claim number or reference number, the policyholders can contact SBI General by calling their toll-free number 1800 102 1111, sending an SMS with the message “CLAIM” to 561612 or emailing their details to customer.care@sbigeneral.in.

Policyholders can also have the option to notify the company about the claim by providing the necessary information on the company’s official website.

Within the next day, a customer representative will contact the policyholder to provide information about the necessary documents and next actions.

The process of cashless claims at network hospitals involves the insurer directly coordinating with the hospital to settle the bills, relieving the policyholder from the burden of upfront payment and reimbursement procedures. This streamlined approach offers convenience and financial relief.

The policyholders must ensure all necessary documents are submitted, such as the claim form, photo identity card, discharge card/certificate/death summary, prescription copies for diagnostic tests, treatment advice, medical references, investigation reports, itemized hospital bills and receipts, as well as original pharmacy bills with prescriptions.

Once the necessary documents are in the insurer’s possession, the company will promptly begin the process of reviewing and addressing any applicable claims. They will finalize all relevant claims within 30 days after receiving the final survey report.

Best Health Insurance Plans in India

The following are some of the best health insurance plans in India that you can buy from InvestKraft:

Insurance Provider	Plan Name	Coverage Type	Sum Insured Range	Age Limit (Adults)	Important Parameters
Care Health Insurance	Care Advantage Health Insurance Plan	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
ICICI Lombard Health Insurance	ICICI Elevate Health Insurance Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
IFFCO Tokio Health Insurance	IFFCO Tokio Family Health Protector Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
Niva Bupa Health Insurance	Niva Bupa Aspire Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
SBI Health Insurance	Arogya Supreme Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
TATA AIG Health Insurance	TATA AIG Medicare Lite Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium