SBI Health Insurance Plans

SBI General Insurance is a general insurer, incorporated in 2009. It was originally set up as a joint venture between the State Bank of India (SBI) and Insurance Australia Group (IAG). But today, SBI remains the majority shareholder, and the insurer operates through 143+ branches across India. It sells retail and commercial insurance across categories like health, motor, personal accident, travel, and home insurance.

SBI health insurance plans range from basic individual covers to more feature-rich plans for families.

In this article, we will walk you through SBI’s operational metrics, plan types, key plan features, and sample premiums, so you can pick what suits you.

• Claims (CSR): A strong settlement track record, suggesting smoother claim processing and fewer unpaid claims overall.
• Claims Cost (ICR): Very close to the industry average, which indicates a fairly standard level of claim payouts for the premium it collects.
• Scale (GWP): Slightly lower than the industry average, pointing to a smaller overall business size compared to some larger insurers.
• Customer Friction (complaints): Lower complaint levels versus the industry, which implies fewer escalations during servicing or claims.
• Cashless Access (network): A wide hospital network, which makes it easier to find cashless options across cities.

Note: Read our guide on SBI Health Insurance Plans for Family for more details.

Besides the above-listed plans, learn more about other health policies offered by SBI General.

Note: These are indicative premiums for a Delhi resident, including mandatory and recommended add-ons. Your premium can change based on age, city, medical history, plan variant, and chosen add-ons.

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Ditto’s Take on SBI Health Plans

SBI General looks solid on the two things that matter most during a claim: consistency and customer friction. Claim settlement is higher than the industry average, and its complaints per 10,000 claims are lower.

Before you pick a plan, it helps to match SBI’s lineup to your cover needs and how much customization you actually want.

• If you want an all-in-one premium cover SBI plan, Super Health Platinum Infinite is the cleanest pick in the portfolio, and it also shows up in our Best Health Insurance Plans (typically around our fifth recommendation).
• Health Alpha and Health Edge are better if you want modular, pick-and-choose coverage, but the final benefits can vary a lot based on the options you select, so the quote and schedule matter as much as the plan name.
• If you already have a decent base cover, the Super Top-Up route can be a cost-efficient way to increase your overall protection instead of buying a massive base policy.

Remember, SBI plans can be add-on heavy, and the insurer still relies on Third Party Administrators (TPAs) for retail policy claims, which can add process friction in some cases.