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SBI General Group health insurance

SBI General insurance is a joint venture between SBI bank, the largest state owned bank and financial services company in India with 70% share and the other investors are Axis Bank Asset Management, Premji Invest and others. SBI general insurance founded in the year 2009 is one of the fastest growing private general insurance companies in India with the backing of the SBI bank and other investors. SBI General insurance has obtained general insurance license from Insurance regulatory and development authority of India and commenced operations in India in the year 2009. Readmore...


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    From 27 branches in 2011 they have expanded their network to more than 137 branches pan-India till date. They have served around 10 crore customers with their pan-India presence. SBI general insurance company offers various insurances such as sbi health insurance, sbi group health insurance, motor insurance, liability insurance etc. SBI general insurance has reported 11% growth in Gross Written Premium (GWP) in FY 2021-22 and the GWP stood at Rs.9260 Crore. With reference to the health insurance business, there has been a growth of 50% in the health insurance GWP for the FY 2021-22. View less...

    Key benefits of SBI General GHI

    There are certain key benefits of SBI General health insurance policy which are mentioned below


    Wide Coverage Vector Icon - SBI General Group Health Insurance Wide Coverage

    SBI group health insurance provides wider coverage to its customers. Customers can choose any sum insured at the time of taking the health insurance policy. The minimum sum insured under the sbi health insurance is Rs.1 lakh and the maximum sum insured is Rs.5 Lakhs. Individuals as well as families can be covered under the sbi general group health insurance policy. The minimum and maximum sum insured mentioned is the pre underwritten sum insured and if higher sum insured is needed the proposal of sbi general group health insurance would be routed to the underwriter for approval.

    No Medical Checkup Vector Icon - SBI General Group Health Insurance No medical checkup

    There is no medical checkup for the members of the sbi general group health insurance policy. All the members of the sbi group health insurance policy are exempted from undergoing the pre-policy medical checkup. This is the major advantage in the sbi health insurance scheme with no pre-policy medical checkup.

    Hospitalization Expenses Vector Icon - SBI General Group Health Insurance Hospitalization expenses

    All the hospitalization expenses such as in-patient hospitalization, day care treatments, outpatient treatment etc are covered under the sbi general group health insurance policy. Room rent expenses, ICU charges, Nursing expenses are covered under the sbi general health insurance policy up to the sum insured mentioned under the policy. Pre and post hospitalization expenses are paid up to 30 days before the hospitalization and after the hospitalization.

    Day Care Expenses Vector Icon - SBI General Group Health Insurance Day care expenses

    The sbi health insurance scheme pays for the day care expenses incurred on advanced technological surgeries and procedures requiring less than 24 hours of hospitalization as per the terms and conditions mentioned in the policy. Prior approval should be taken from sbi health insurance to avail the daycare expenses.

    Domiciliary Hospitalization Expenses Vector Icon - SBI General Group Health Insurance Domiciliary hospitalization expenses

    The reasonable and customary charges towards domiciliary hospitalization as mentioned in the policy would be covered subject to 20% of the basic sum insured of the policy or Rs.20,000 whichever is less. The domiciliary hospitalization can be availed only on the advice of the treating doctor without which the claim would not be paid by the insurance company.

    Infant Cover Vector Icon - SBI General Group Health Insurance Infant cover

    Infant is covered from day 1 under the family floater sum insured policy till 90 days after which the infant should be added in the sbi general group health insurance policy on payment of additional premium. Infants are covered only if the parents are covered under the sbi group health insurance policy.

    SBI General Advantage

    There are certain advantages of sbi general health insurance policies which are mentioned below



    Best Advice Vector Icon - SBI General Group Health Insurance Best Advice

    • The best advice regarding health insurance can be given by the health insurance experts of SBI general insurance. Sbi general group health insurance policy is a customizable policy which can be customized as per the needs and requirements of the customer. For the customization it is important to understand the coverage of the group health insurance policy. SBI health insurance scheme provides the advice on the coverage of the group health insurance policy.

    Hassle Free Claim Process Vector Icon - SBI General Group Health Insurance Hassle free claim process

    • The major advantage of sbi general group health insurance is the hassle free claim process in which the claims are settled. A thorough claim assistance would be provided to the customers through intermediaries or online which can be utilized to avail hassle free claim settlement.

    Network Hospitals Vector Icon - SBI General Group Health Insurance Network hospitals

    • There are more than 6000 network hospitals all over India providing cashless claim settlement facility to the customers of sbi general group health insurance customers. Network hospitals are those which provide cashless claim settlement facility to the customers of sbi health insurance. Click here to find the network hospital list offering cashless claim settlement facility in your location.

    Bank Support Vector Icon - SBI General Group Health InsuranceBank support

    • Another major advantage of sbi general health insurance is the SBI banks distribution network. SBI bank is the bancassurance partner of SBI health insurance distributing health insurance in all its branches. SBI bank is the state owned bank with reach even in remote locations where other banks are not present. This reach helps the customers as the SBI bank acts as an intermediary between the customer and the SBI general insurance company thereby maintaining high sbi health insurance claim settlement ratio. The sbi general health form for the sbi general group health insurance can be found here.
    • SBI general claim settlement ratio is more than 98% which means the company is settling almost all the claims which are eligible for settlement.

    SBI General GHI Exclusions

    There are certain exclusions under the SBI general group health insurance policy which are mentioned below



    • Treatment arising from or traceable to pregnancy or childbirth
    • External congenital diseases
    • Treatment related to addictive conditions and disorders or any kind of substance abuse.
    • Treatment related to artificial life management such as deep coma and unresponsiveness of all situations.
    • Cosmetic surgeries are not covered under the sbi group health insurance.