SBI Health Insurance Premium Chart PDF: Where Can You Find It?
You can find the PDF of the SBI Health Insurance premium chart across all plans on the official website of SBI General Insurance. Search for the ‘Downloads’ section at the bottom and click on it to access the page containing the relevant PDF links of premium charts, brochures, policy wordings, and other annexures. Alternatively, you can click on the link https://www.sbigeneral.in/downloads.
Introduction
Have you ever noticed how your premiums vary from another person despite having the same health insurance policy? That’s because several key factors like age group, medical history, and location play a significant role determining your final policy premium. SBI General also follows the same elements to assess risks more accurately and price policies fairly.
At Ditto, we help you understand these differences, so that you can make informed choices for the best coverage.
In this guide, we’ll help you understand:
- How to download the SBI Health Insurance premium chart PDF
- Steps to calculate the premiums online
- Factors affecting these premiums
Did you know? Choosing the wrong insurance plan could cost you a lot in the long run! But our IRDAI-certified advisors offer free consultations to help you pick the right policy! Book a call now – no pressure, no spam, just honest insurance advice.
How to Calculate SBI Health Insurance Premiums Online?
SBI General provides you with a health insurance premium calculator, which instantly generates quotes based on your chosen policies.
Step 1: Visit sbigeneral.in.
Step 2: Scroll to the bottom and click on ‘Important Links.’
Step 3: You will be redirected to another page where you can find the links of all important SBI websites, circulars, annual reports, and other documents.
Step 4: Scroll down to find the ‘Health Insurance Premium Calculator’ and click on it to be redirected to another page.
Step 5: Enter details like the required coverage, members to be insured, pincode, your first and last name, contact number, and email address.
Step 6: The calculator provides you with a list of options for plans with their respective premiums. Choose the plan that fits your needs and click on ‘Buy Now.’
Quick Note: Health insurance regulations require all insurers to publish their product details, such as policy wordings, prospectus, and premium rates, on their websites. If any underwriting loading charges are applied beyond the filed premium, insurers must inform the customer in writing and get their explicit consent before policy issuance.
SBI Health Insurance Premium Chart PDF: How to Download It?
Currently, SBI Health Insurance offers two flagship plans: Super Health and Health Edge Insurance. Taking these as reference, let’s walk you through the steps to download the SBI Health Insurance premium chart PDF.
Step 1: Visit sbigeneral.in
Step 2: Scroll down to the bottom and click on ‘Downloads.’
Step 3: You will be redirected to another page where you can download all important policy documents.
Step 4: Click on ‘Health Insurance’ and check the ‘Active Products’ list.
Step 5: Click on ‘Super Health Insurance’ (or ‘Health Edge Insurance’) to check out the available policy PDFs.
Step 6: Click on the PDF titled ‘Premium Chart Rate’ to view or download it.
Disclaimer: SBI General Insurance is not a partner insurer of Ditto. All information presented here is taken from their official website and public disclosures. The rates shown in the chart are base premium rates. Additional loading charges may apply during underwriting based on factors such as pre-existing conditions and Body Mass Index (BMI).
Confused whether SBI Health Insurance is the right choice for you? Read this article.
Did You Know?
Every insurance company in India is required to submit a premium chart to IRDAI for transparency in public accountability and pricing models. The chart displays sum insured slabs, age bands, location/zones and other policy specifications. It can be displayed as a static table in the website/brochure or presented through an online premium calculator.
Factors Affecting SBI Health Insurance Premium
Age
Your health risks increase as you get older, which is why insurance providers charge higher premiums for older policyholders.
Sum Insured
A higher coverage always implies a higher premium as more financial protection is provided in all these cases.
Pre-existing Conditions
If you have a history of illnesses like hypertension or diabetes, your premium may be higher due to loading charges.
Policy Type
The type of coverage you choose affects the premium, irrespective of an individual policy, a family floater, or a top-up policy.
Add-ons
Features like maternity benefits or critical illness cover can increase your premium but provide additional protection.
Lifestyle Habits
Heavy drinkers or smokers and those with risky lifestyles may often have to pay higher premiums to insurers.
Age-Wise SBI Health Insurance Premium Chart
Age bands often provide standardized categories for premium calculation and risk assessment. They always group policyholders by age ranges. These classifications are required because age affects life expectancy, health risk, and the likelihood of claims.
Here’s a snippet from SBI Super Health Insurance’s age-wise premium chart for individuals.
In this chart, the premiums are decided based on your age band and coverage amount. For example, if you fall within the 18-35 years age bracket and have chosen a ₹15,00,000 cover amount, your premium will be ₹10,378.
Note: Office premium is based on the eldest age of the adult. The final premium also depends on the insurer’s insurer's underwriting of your medical history.
SBI Health Insurance Premium Chart: Family Floater Plans
The SBI Health Insurance premium chart PDF includes calculations for multiple family floater plans. If the combinations include parents, then the office premium is based on the eldest age of the adult and not the eldest age of the parent.
The following snippet is from SBI Super Health Insurance’s premium chart PDF for a floater combination of 2 adults and 2 children:
In Health Edge Insurance, you also get a family floater discount on your premiums, as shown below.
Why Choose Ditto for Your Health Insurance?
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SBI Health Insurance Premium Chart PDF: Ditto’s Take
The process of downloading the SBI Health Insurance premium chart PDF is quite easy. Even its coverage and premium calculation process doesn’t seem long. However, simply calculating premiums and getting an estimate will not help you in the long run.
What you need is solid advice from experienced advisors who can help you understand which policy suits your needs the best.
This is where Ditto comes in. We listen to your needs and recommend only those policies that clear our six-point evaluation framework.
Want end-to-end guidance on SBI Health Insurance and its flagship plans? Book a call or WhatsApp us for further assistance.
Frequently Asked Questions
How can I intimate or track claim status?
Visit the official SBI General Insurance website and click on the quick links section in the top-right corner. You will find the option of ‘claim status.’ Select it to be redirected to the section where you can intimate or track your claims. If you have purchased any policy through Ditto, you can also contact our team for claims assistance.
What else can I download apart from the SBI Health Insurance Premium Chart PDF?
You can easily download the policy brochure, prospectus, proposal form, policy wordings, and claim form apart from the premium chart PDF.
How can I renew my policy?
Visit the official website of SBI General Insurance and scroll down to the bottom. Click on ‘Renew Policy’ and then on ‘Health Policy.’ Then, click on ‘Continue’ and enter your policy type, number, and date of birth to get started with the renewal process.
Why are my premiums different from another individual?
Health insurance premiums depend on factors like age, sum insured, zone (city category), and optional add-on covers. Even with the same plan, variations in health, age or city can result in different premiums.
How do premiums differ by zone or city?
Health insurers in India mostly use zonal classifications to price premiums more accurately based on lifestyle risks, medical costs, and healthcare infrastructure in different regions. This helps ensure that residents or those from non-metro/tier 2 or 3 cities are not penalized for higher treatment costs in tier 1.
How can I reduce my premiums?
You can reduce your premiums by paying higher deductibles or switching to a long-term policy. Selecting the correct sum insured and avoiding unnecessary riders also helps, without compromising the coverage.
How to contact SBI General Insurance?
For any general query, you can call the customer service support at 1800 102 1111. Alternatively, if you need assistance for inhouse retail health, group health, personal accident (PA) and benefit claims, call 1800 210 3366 / 1800 210 6366.
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