What is SBI health insurance plans for family?
SBI health insurance plans for families mean having a health insurance plan that is applicable to all the members of the family at the time of a medical emergency or treatment. The SBI health insurance plans for families cover the medical needs of all family members, irrespective of their age.
Why should you buy SBI health insurance plans for your family?
For everyone, their world starts with their family and ends with their family. By chance, if any member of your family suffers from sickness or an accident, you want to provide them with the proper facility and treatment for any problem. A family health insurance plan can help you because it will cover the problems of all family members under a single plan, making medical treatment easier and more affordable for any member of the family.
SBI health insurance plans for families provide a wide range of coverage. These plans include hospitalization bills, pre- and post-hospitalization expenses, treatment amounts, medical bills, ambulance costs, and many other’s.
Having the benefit of getting treatment in more than 17,000 hospitals, which are under the network of SBI health insurance plans for families. Now, with SBI health insurance plans for families, you can focus on spending quality time with your family, and the company will take care of the medical expenses of all the family members.
What are benefits of buying the SBI health insurance plans for family?
The key benefits of buying the SBI health insurance plans for family are as follows:
1.Heatlh check-ups:
You get free health check-ups to catch the problem early and easily under SBI health insurance plans for families.
2. Bonus for no-claims:
If you don’t make a claim within one year of health insurance policy, you will get the bonus amount added to your insurance plan under SBI health insurance plans for family.
3. No initial check-up:
If you are under the age of 45, you don’t need a medical check-up to get the insurance policy under SBI health insurance plans for family.
4.Tax savings:
You can save some sort of money on taxes under Section 80D of the Income Tax Act because, according to the act, the taxpayer can claim the deduction on medical health insurance for himself, his spouse, parents, and children’s tax savings under SBI health insurance plans for family.
5. High network of hospitals:
The high network of hospitals helps in getting treatment inside the region of your livelihood with ease without getting frustrated in finding the hospitals that support the policy, with more than 17,000 hospitals that come under SBI health insurance plans for families.
6. Affordable starting premium amount:
The starting premium amount of 588 rupees per month under the policy makes it affordable for the general public to buy the policy for their family of SBI health insurance plans.
7.Online discount:
You can get 10% discount if you buy the SBI health insurance plans for family online.
8.Loyalty Discount:
If you have another SBI policy, you will get 5% loyalty discount under SBI health insurance plans for family.
9.Long-term Discount:
If you opt for a 2-year policy, you will get a 4% discount, or if you opt for a 3-year policy, you will get a 6% discount on SBI health insurance plans for families.
10.Reginol Discount:
You will get 30% off in SBI health insurance plans for family if you live within zone 2.(Zone 2 means the specific area or region that the insurance company has specifically chosen for particular purpose; it means they have chosen the area to offer a discount to people living there.)
List of Plans of SBI Health Insurance:
| Plan name | Sum insured | Pre-existing disease waiting period |
| SBI Arogya Supreme Health Insurance Plan | Pro: 1 lakh to 5 lakh Plus: 6 lakhs to 20 lakhs Premium: 25 lakh & 5 crore | 4 years |
| SBI Arogya Premier Health Insurance Plan | 10 lakhs to 30 lakhs | 4 years |
| SBI Arogya Plus Health Insurance Plan | 1 lakh, 2 lakh, 3 lakh | 4 years |
| SBI Retail Health Insurance Plan | 50,000 to 5 lakhs | 4 years |
Buy SBI health insurance plans for family.
You can buy the SBI Health Insurance Plans for Families in two modes: online and offline.
For offline mode:
You have to visit the offline SBI Health Insurance branch around your city, and there they will explain to you the necessary steps to buy SBI Health Insurance plans for your family.
For online mode:
Step 1: You have to visit the official “www.sbigeneral.in” click on our products, then click on retail, then on the health insurance section, and select the plan of your choice.
Step 2: After selecting the plan of your choice according to your needs, click on the call option. From there, the agent from SBI will call you and guide you accordingly.
Step 3: Then pay the online amount for the insurance through UPI, debit card, credit card, net banking, and many other methods.
Step 4: The information would be provided to you through your email and the message on your phone through the health insurance company.
What are the inclusions under SBI Health Insurance Plans for Family?
1. If you or your family need to stay in the hospital for treatment, then the insurance will cover the costs of it.
2. If someone needs treatment for mental healthcare issues, like therapy, then the insurance will cover those sorts of expenses.
3. If any of the family members are diagnosed with HIV/AIDS, then the insurance will pay for their medical care.
4. The insurance also covers the expenses before admission to the hospital and after discharge from the hospital.
5. Some sort of treatment that does not require overnight stays at the hospital is also covered by the insurance.
6. If someone needs emergency transportation to the hospital through an ambulance, then the insurance will also cover the costs.
7. If someone needs to go through surgery to remove cataracts from their eyes, this insurance will help cover the costs.
8. This health insurance provides financial support during the recovery period after hospitalization.
9. The costs that are related to pregnancy and childbirth are covered by the insurance.
10. If someone wants to prefer treatments like Ayurveda, homeopathy, or others, then insurance will help cover those expenses.
What are the exclusions under SBI Health Insurance Plans for Family?
SBI Health Insurance Plans for Families do not provide the coverage as follows:
1. If you or your family are having treatment outside India, then the SBI Health Insurance Plans for Family do not cover the expenses.
2. SBI Health Insurance Plans for Family do not provide cover for medical procedures for couples who are having trouble conceiving the baby through natural delivery.
3. Under SBI Health Insurance Plans for Family If any of the family members get hurt during the process of doing extreme sports like skydiving, bungee jumping, or other risky activities, the insurance won’t cover the medical costs.
4. If someone is suffering from the addiction of drugs, alcohol, or smoking and they want to overcome the addiction, then the SBI Health Insurance Plans for Families won’t pay for the treatments.
5. Vision problems like nearsightedness or farsightedness can be corrected using glasses or contacts. The SBI Health Insurance Plans for Families won’t cover medical procedures like LASIK surgery to fix these issues.
6. If someone wants to go through surgery to change their appearance, rather for medical purposes, then the SBI Health Insurance Plans for family won’t cover it.
7. If someone try to intentionally hurt themselves, like in a suicide attempt or by harming themselves in another way, then the insurance won’t cover the expenses related to these actions.
What are the optional coverages under SBI Health Insurance Plans for Family?
1. It will provide the daily cash allowance during the time of hospitalization.
2. They will protect your bonuses even if you are still making a claim.
3. There are charges on room rent, ICU, operation, and consultancy, so there would be no sort of restriction on these specific expenses.
4. You can also share some of the costs with your insurance company.
5. You can choose a higher category of room without any restrictions.
6. You have to pay a certain amount of money before the insurance company starts to help out with paying the rest of the money.
How do I claim for SBI Health Insurance Plans for Family?
1. Get in touch:
- If you want medical treatment and want to make an insurance claim, contact them right away.
- Call them at their toll-free helpline numbers, 1800 210 3336 or 1800 210 6366.
- You can also email them at sbig.health@sbigeneral.in.
Alternatively, speak to the third-party administrator (TPA) at the hospital.
2. Wait for a Support Staff Member:
After you contact them, a support staff member will reach out to guide you. They will explain the process and list the documents you need to provide.
3.Collect documents
Gather all the required paperwork, which is listed by the support staff. There may be more documents needed for reimbursement claims as compared to cashless claims.
If you need any help with the paperwork, contact them, and they’ll assist you.
4.Claim settlement
Once you’ve submitted all the documents, they will review your claim. They aim to settle your claim within 30 days of the final survey report.