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Reviewed by Finzony Finance TeamLast updated:
SBI General Super Health is a comprehensive indemnity health plan with four variants: Elite, Premier, Platinum and Platinum Infinite. It has 27 base covers and 7 optional covers, and a base sum insured from ₹3 lakh to ₹2 crore. Hospital bills are paid as per actuals up to the sum insured, with no room rent limit according to SBI General, for stays of 24 hours or more. All day care procedures of more than 2 hours are covered, along with 60 days of pre-hospitalisation and 90 days of post-hospitalisation expenses (180 days on Platinum Infinite), home treatment, AYUSH, 12 modern treatments, organ donor expenses and bariatric surgery. Three features carry the plan. The ReInsure Benefit restores your sum insured an unlimited number of times from the very first claim, for the same or a different illness, up to 100% of the base sum insured per claim (200% on Platinum Infinite). The Health Multiplier raises your cover for 37 listed serious illnesses. And Claims Shield pays the non-payable items such as gloves and consumables on every accepted hospital claim. Higher variants add more. Premier brings maternity, Platinum adds OPD, child vaccination and treatment abroad, and Platinum Infinite adds a larger maternity limit, a Loyalty Credit and dental and vision OPD. Adults can join from 18 with no upper age limit, and children from 91 days to 30 years.
Four variants from Elite to Platinum Infinite, with unlimited ReInsure from the first claim and a Health Multiplier for 37 serious illnesses.
Finzony reads Super Health as a feature-rich plan where the variant you pick matters more than the plan name. Across all four variants you get no room rent cap, unlimited ReInsure from the first claim, a Health Multiplier for 37 serious illnesses, Claims Shield for non-payable items and a pre-existing wait of 24 months, which is shorter than the 36-month limit many plans use. A 50% Enhanced Cumulative Bonus adds up to 100% of your cover on Elite and Premier and up to 200% on Platinum. Choose the variant carefully. Elite has no maternity, recovery benefit or e-opinion, and its health check-up is only ₹2,500 and starts after the first renewal. Premier adds maternity of ₹25,000 for a normal delivery and ₹50,000 for a caesarean. Platinum adds a 12-month wait for specified diseases, OPD cover, child vaccination, treatment abroad and a ₹5,000 check-up from day 1. Platinum Infinite has ReInsure of up to 200% per claim, 180 days of post-hospitalisation cover, a Loyalty Credit instead of the cumulative bonus, a ₹2 lakh maternity limit and OPD of ₹10,000 to ₹20,000. Know the catches. Maternity waits 48 months for a single adult and 24 months for other families, and the wait starts fresh if you port in. Hypertension, diabetes and cardiac conditions have a 90-day wait unless you declared them as pre-existing. Most sub-limits do not rise with your sum insured or bonus. Several optional covers can be chosen only when you buy, and a co-payment or deductible cannot be dropped later. The wording refers to a room rent limit in your schedule, so confirm it. SBI General does not publish a starting premium, so get a quote for your own age.
SBI General Health Insurance
Key Insights
Founded
2009
SBI General Health Insurance was established 17 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96.14% CSR, calculated as a 3-year average
SBI General Health Insurance settles 96.14% of all claims it receives, demonstrating strong credibility.
Network Hospitals
16,600+
SBI General Health Insurance has a network of 16,600+ hospitals, ensuring wide accessibility and convenience for policyholders.
Pays room rent and boarding, ICU, nursing, surgeon, anaesthetist and specialist fees, anaesthesia, blood, oxygen, operation theatre, medicines and consumables, diagnostics and internal implants, as per actuals up to the sum insured on every variant.
Needs a written advice from a medical practitioner. If you opt for a co-payment, it applies to each claim.
SBI General's own FAQ says there is no capping on room rent, so if you get a deluxe room because a single room is unavailable and then move, the claim is paid as per actuals.
The policy wording refers to the room rent limit in your policy schedule, with a pro-rata cut if you take a higher room, so confirm the limit on your quote.
Pays any day care procedure for which you are admitted for more than 2 hours, and also covers angiography, dialysis, radiotherapy and chemotherapy for cancer. There is no fixed list.
OPD treatment and diagnostic services are not covered under this benefit.
Pays medical expenses for 60 days before admission and for 90 days after discharge, or 180 days on Platinum Infinite, up to the sum insured.
Paid on reimbursement only, for the same condition, and only after a hospital, day care, AYUSH or modern treatment claim is accepted.
Restores your base sum insured an unlimited number of times in the policy year, from the first claim, for the same or a different illness and the same person. One claim can use up to 100% of the base sum insured, or 200% on Platinum Infinite.
Applies only to hospital, day care, AYUSH and modern treatment claims. It is not available if the claim is paid under Medical Treatment Abroad.
Raises the refill from 100% to 200% of your base sum insured per claim, on Elite, Premier and Platinum.
Choose it only when you buy the policy. You cannot exit it later or add it at renewal. Not available on Platinum Infinite, which already has 200%.
Protects your accumulated bonus percentage at the next renewal if the claim amount is ₹1 lakh or less.
Choose it only when you buy the policy. Not available on Platinum Infinite.
A 30-day wait applies to any illness except accidents. Hypertension, diabetes and cardiac conditions wait 90 days, unless you declared them as pre-existing. Pre-existing diseases wait 24 months on every variant. Specified diseases and procedures wait 24 months on Elite and Premier and 12 months on Platinum and Platinum Infinite. Maternity waits 48 months for a single adult and 24 months for other family combinations, and medical treatment abroad waits 36 months. Waits are reduced to the extent of prior cover if you port or migrate, except that the maternity wait starts fresh. They start again for any increase in sum insured. The grace period is 30 days, or 15 days for monthly payment.
Initial waiting period
Expenses for any illness in the first 30 days of the policy are excluded, except for accidents.
Hypertension, diabetes and cardiac conditions
Claims for these conditions wait 90 days. The wait is waived only if the condition was pre-existing and you declared it.
Specified diseases and procedures
A listed set of diseases and procedures wait 24 months on Elite and Premier, and 12 months on Platinum and Platinum Infinite, unless an accident caused them.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
SBI General Health Insurance plans and claim process
Super Health is SBI General's comprehensive health plan with 27 base covers and 7 optional covers. It comes in four variants, Elite, Premier, Platinum and Platinum Infinite, with sum insured options from ₹3 lakh to ₹2 crore on an individual or floater basis.
Elite offers ₹3 lakh to ₹25 lakh, Premier ₹3 lakh to ₹10 lakh, Platinum ₹10 lakh to ₹50 lakh, and Platinum Infinite ₹50 lakh, ₹75 lakh, ₹1 crore and ₹2 crore. Higher variants add maternity, OPD, child vaccination, treatment abroad and larger limits.
SBI General does not publish a single starting price. The premium depends on the variant, sum insured, age and policy term. Discounts include 10% for buying direct, 5% when two or more members take individual policies, and 4% or 6% for a 2 or 3-year policy. Get a quote for your own age.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official SBI General Health Insurance website before purchasing.
Contact Details
1800 102 1111
Headquarters: 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai – 400099, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Choose a 10% or 20% co-payment on every admissible claim in return for a lower premium.
Once chosen, you cannot drop it at renewal, and it adds to any other co-payment in the policy.
Bear a yearly amount on all claims before SBI General pays. Options are ₹1, 2 or 3 lakh on Elite and Premier, ₹3 or 5 lakh on Platinum and ₹5 or 10 lakh on Platinum Infinite.
Once chosen, you cannot drop or reduce it, but you can increase it at renewal. On a floater, the full deductible must be used before anyone is paid.
Covers hospital treatment of your domestic help for ₹50,000 or ₹1 lakh, separate from your sum insured, with room rent at 2% and ICU at 4%.
Individual cover, for ages 18 to 65, chosen at the start. You can drop it at a renewal.
Adds 2X of your base sum insured for in-patient treatment after an accident, once your base sum insured is used up.
Available once in a policy year, only for an emergency caused by an accident, and you can add it at renewal.
AI fitness coaching, dietician e-consultation, unlimited gym membership and the Walk Healthy Benefit, which gives up to 30% off your renewal premium for steps taken in the SBI General app.
Choose it only when you buy the policy. The gym option is a 3+3+3+3 or 6+6 plan, and you must use it each period to keep it.
Pre-existing diseases
Declared and accepted pre-existing diseases are covered after 24 months on every variant. If a listed disease is also pre-existing, the longer wait applies.
Maternity
Maternity waits 48 months for a single adult on an individual policy and 24 months for any other family combination. Not available on Elite, and the wait starts fresh if you port in.
Medical treatment abroad
Planned treatment abroad on Platinum and Platinum Infinite waits 36 months.
Higher sum insured or a new member
If you raise your sum insured, the waits start again only for the added amount, and a member added later serves the waits afresh.
SBI General's FAQ says there is no cap on room rent and that claims are paid as per actuals up to the sum insured. The wording refers to a room rent limit in your policy schedule, so check the schedule on your quote.
From your first claim in a policy year, SBI General restores your base sum insured as many times as needed, for the same or a different illness. One claim can use up to 100% of your base sum insured, or 200% on Platinum Infinite.
If you are hospitalised for any of 37 listed serious illnesses, your base sum insured is raised by the multiplier in your schedule. The list includes cancer, kidney failure, heart attack, stroke, organ transplants, Parkinson's disease and burns. It applies once in a policy year and does not carry forward.
Elite, Premier and Platinum get a bonus of 50% of the previous year's base sum insured for each claim-free year, up to 100% (200% on Platinum). Platinum Infinite gets a Loyalty Credit of 50% at every renewal, up to 100%, whether or not you claim.
Any illness waits 30 days, except accidents. Hypertension, diabetes and cardiac conditions wait 90 days. Pre-existing diseases wait 24 months, and specified diseases wait 24 months on Elite and Premier and 12 months on Platinum and Platinum Infinite. Maternity waits 48 or 24 months, and treatment abroad waits 36 months.
Yes, from Premier onwards. Premier pays up to ₹25,000 for a normal delivery and ₹50,000 for a caesarean, Platinum pays ₹50,000 or ₹75,000, and Platinum Infinite pays up to ₹2 lakh, with newborn cover for 90 days. Elite has no maternity cover. The wait is 48 months for a single adult and 24 months for other families.
Platinum offers OPD of ₹5,000 for a single adult and ₹10,000 for a family, and Platinum Infinite offers ₹10,000 and ₹20,000. You bear 20% of consultation fees and 30% of diagnostics and pharmacy. Platinum Infinite also adds ₹5,000 of dental and vision OPD per family.
Only on Platinum and Platinum Infinite, for planned treatment of 16 listed illnesses and procedures diagnosed in India, after a 36-month wait. It pays up to the sum insured on reimbursement, in rupees. The Health Multiplier and ReInsure do not apply to these claims.
When SBI General accepts a hospital claim, Claims Shield makes the usually non-payable items payable, such as gloves, masks, baby food, diapers, walking aids, belts and attendant charges, up to the sum insured. It is included in all four variants.
You can add Enhanced ReInsure, Enhanced Cumulative Bonus Safeguard, a 10% or 20% co-payment, an Aggregate Deductible, Domestic Help Indemnity, Additional Basic Sum Insured for accident hospitalisation, and a Wellness Benefit. Several can be chosen only when you buy the policy.
Adults can join from 18 with no upper age limit, and children from 91 days to 30 years. A floater can cover up to 4 adults, and the policy can run for 1, 2 or 3 years. Renewal is for life.
For cashless treatment, intimate SBI General within 24 hours of an emergency admission or at least 72 hours before a planned one, and use a network hospital. For reimbursement, intimate within 48 hours of admission or before discharge, and send the claim form, discharge summary, bills and reports within 30 days. The toll-free number is 1800 102 1111.