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SBI General Travel Insurance (Business & Holiday) is designed for eligible travellers leaving India for overseas business, official or leisure trips. The policy can provide financial protection for covered emergency medical expenses abroad, medical evacuation, repatriation of mortal remains, personal accident and selected travel-related losses. The exact benefits, limits, deductibles and availability depend on the policy schedule and selected cover. The insurer lists worldwide coverage options, including a worldwide option excluding the USA and Canada. Single-trip cover is available for a specified trip, while multi-trip cover is issued for a one-year period under the published product FAQ. The published eligibility age is 6 months to 70 years. Travellers should confirm destination eligibility, trip duration and the current policy wording before purchase.
Overseas medical emergencies, travel disruptions and baggage protection under policy terms
This product is worth considering for eligible travellers who want protection against major overseas medical costs and selected travel disruptions in one policy. Emergency medical treatment, evacuation and repatriation can be particularly important because treatment abroad may be expensive. Depending on the schedule and selected benefits, the policy may also address personal accident, checked-baggage loss or delay, passport loss, trip cancellation or curtailment, trip delay and missed connections. Important limitations: benefits are subject to their individual sub-limits, definitions, exclusions, deductibles and claim conditions. The policy wording excludes a number of medical situations, including pre-existing diseases under the relevant medical-expense section, routine examinations and treatment sought in India under that section. Some benefits require supporting documents, such as airline or police reports. Do not assume that every listed benefit or the maximum limit applies to every quote; check the actual schedule and current prospectus before buying.
SBI General
Key Insights
Founded
2009
SBI General was established 17 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.1% CSR, calculated as a 3-year average
SBI General settles 97.1% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-267-9090
Headquarters: 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai – 400099
Eligible medical expenses for covered illness or injury sustained during the insured overseas trip, subject to the selected sum insured and policy conditions.
The schedule sets the applicable limit and deductible. Pre-existing diseases and other specified expenses are excluded under the wording.
Eligible transportation to a suitable hospital or to India when evacuation is medically necessary and meets the policy requirements.
Medical recommendation, arrangements and limits must comply with policy terms.
Eligible costs to transport mortal remains to India or, subject to policy conditions, an equivalent amount for local burial or cremation.
Subject to the limit in the policy schedule.
Specified accidental death and permanent disability benefits for covered accidents during the insured overseas trip.
Benefit percentages, age-related limits and exclusions apply.
Selected benefits may cover checked-baggage loss or delay and expenses associated with obtaining emergency travel documents after passport loss.
Airline documentation, police reporting, proof of loss and benefit-specific sub-limits may apply.
Confirm any optional benefits and their premium in the quote and policy schedule before purchase.
Do not assume an optional benefit is included unless it appears in the issued policy.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
SBI General plans and claim process
It is an overseas travel policy for eligible business, official and holiday trips. Cover is subject to the policy schedule, limits and exclusions.
The published FAQ identifies Indian residents travelling abroad for business, official or holiday purposes, as well as foreign nationals working in India, subject to eligibility requirements.
The published FAQ states an age range of 6 months to 70 years for purchase. Confirm the current terms at quote stage.
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 website before purchasing.
Official Website
sbigeneral.in
Visit the official SBI General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The published FAQ states single-trip policies can run from 1 to 180 days, while multi-trip policies are issued for one year. Check the current quote and wording for the trip you need.
The published FAQ describes two geographic options: worldwide, and worldwide excluding the USA and Canada. Select the appropriate option for your destination.
The applicable medical limit depends on the option selected and the issued policy schedule. Check the current prospectus and schedule rather than relying on a generic maximum.
The wording provides for eligible emergency medical evacuation when the policy requirements are met, subject to the relevant terms and limits.
The policy wording excludes pre-existing disease under the medical-expense section. Review the complete wording for the applicable definitions and any specific provisions.
Selected baggage delay and loss benefits are described in the wording. Claims are subject to limits, proof of loss, airline documentation and other conditions.
The premium depends on factors such as destination, age, trip duration, selected limits and options. Obtain a current quote from SBI General for an accurate price.