Premiums for SBI health insurance plans are not fixed. They vary based on the plan variant, number of members insured, age band, and family composition. For a quick reference, you can access the SBI health insurance premium chart PDF for each plan from the “Downloads” section.
The Insurance Regulatory and Development Authority of India (IRDAI) requires all insurers to submit rate charts during product approval to ensure transparent and standardized pricing. To give you a sense of what these premiums look like in practice, a 25-year-old buying the SBI Super Health Platinum plan with a ₹15 lakh individual cover pays around ₹20,602 annually.
This guide is for first-time buyers and anyone looking to estimate SBI health insurance premiums before purchasing a policy.
Health insurance pricing often feels confusing because premiums change based on age, coverage, plan type, and family composition. The SBI Health Insurance premium chart simplifies this by showing base premiums across different plans and sum insured options in a clear and structured format.
In this guide, we show you how to download the SBI Health Insurance premium chart PDF, explain what it includes, and break down the key factors that affect your final premium. This helps you understand pricing better before you choose a suitable health insurance plan.
What Is the SBI Health Insurance Premium Chart PDF?
The SBI Health Insurance premium chart PDF is an official document from SBI General Insurance that lists premium rates for its health insurance plans.
Key Components of the SBI Health Insurance Premium Chart
Age Bands: Premiums are grouped by age ranges (e.g., 18–35, 36–45), with costs typically increasing as you get older.
Sum Insured (SI): Multiple columns show premium rates for different coverage amounts, depending on the plan.
Family Composition: The premium chart does not separately label plans as individual or family floater. Instead, it presents pricing by member composition using notations such as "A" for adults and "C" for children. For example, a single adult is shown as 1A, while a couple with one child appears as 2A+1C.
Below is a snippet from the SBI Super Health Platinum Infinite plan premium chart PDF, showing the floater combination of 2 adults and 1 child. The Platinum Infinite variant offers sum insured options ranging from ₹50 lakh to ₹2 crore.
How to Download the SBI Health Insurance Premium Chart PDF
Step 2: Go to the bottom of the page and select "Downloads."
Step 3: You will be redirected to another page where the different SBI product documents are displayed for viewing or download.
Step 4: Click on ‘Health Insurance’ to view various health plans by SBI and their respective policy documents.
Step 5: If you want to access the premium chart PDF for the SBI Super Health Insurance plan, click the ‘+’ icon next to the plan name. This will expand and display the available policy documents for its different variants.
Step 6: Click on the PDF titled ‘Premium Chart Rate’ to view or download it.
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Key Factors That Affect Your SBI Health Insurance Premium
Age: For individual health policies, the premium is calculated using the insured member's completed age. For family floater plans, the age of the eldest member is taken into account. As age increases, the risk of medical treatment and hospitalization also rises, which leads to higher premiums across age bands.
Sum Insured: The sum insured in health insurance refers to the maximum amount SBI General Insurance will pay for medical expenses during a policy year. The premium does go up when a higher coverage amount is selected, but the increase is not proportionate.
Policy Structure: SBI Health Insurance offers individual and family floater plans. Individual plans are often more expensive because each member has separate coverage. Family floater health insurance plans cover the entire family under a single policy with one shared sum insured.
Medical History and Underwriting: If any insured member has pre-existing conditions (PEDs), lifestyle-related risks, or relevant past medical history, the insurer may apply a premium loading after underwriting to reflect the additional risk. This is a standard practice across health insurance providers.
Add-ons: Optional riders or benefits such as maternity cover, critical illness cover, or consumables cover increase the overall premium but enhance the scope of protection.
Multi-year Premium: Opting for a 2- or 3-year policy term helps lower the overall premium compared to annual renewals, as insurers typically extend discounts for longer policy durations.
SBI Super Health vs Health Edge: Premium Comparison
Profile
SBI Super Health Platinum (₹15 lakh)
SBI Health Edge (₹15 lakh)
SBI Super Health Platinum (₹25 lakh)
SBI Health Edge (₹25 lakh)
Individual (Age: 25 years)
₹20,602
₹14,276
₹22,727
₹16,180
2 Adults (Ages: 32 & 31 years)
₹28,486
₹23,398
₹31,587
₹26,444
2 Adults + 1 Child (Ages: 39, 37 & 3 years)
₹34,375
₹35,565
₹39,383
₹40,266
2 Senior Citizens (Ages: 61 & 62 years)
₹78,447
₹73,333
₹92,875
₹83,169
Note: Premiums are calculated for healthy individuals residing in Delhi (110010), considering sum insured options of ₹15 lakh and ₹25 lakh. These figures are indicative, and the final premium may vary depending on optional add-ons selected, underwriting decisions at the time of issuance, or applicable discounts.
The SBI Health Insurance premium chart PDF is a useful starting point for comparing base rates. However, you should not rely on price alone when choosing a policy. The insurer and the specific plan are equally important. SBI General reports a strong claim settlement ratio of 96.14%, and its Super Health Platinum Infinite features in ourbest health insurance plans list.
That said, SBI General receives more complaints than some of the leading insurers, and the use of third-party administrators (TPAs) in claim processing can sometimes result in slower settlements. For a broader comparison, refer to our guide on the best health insurance companies in India before making your final choice.
Frequently Asked Questions
What is the SBI health insurance premium chart PDF?
The SBI health insurance premium chart PDF is an official document published by SBI General Insurance Company Limited that lists base premium rates for its retail health plans, such as Super Health and Health Edge. It shows how much you'll pay annually based on your age band, sum insured, plan variant, and family combination. All Indian insurers, including SBI General, must submit these rate charts to IRDAI as part of product approval, ensuring transparent and standardized pricing. There are separate premium tables for each plan variant.
What does the SBI Health Insurance premium chart PDF not include?
The SBI Health Insurance premium chart PDF does not show the final premium amount that you will actually pay for the policy. It only provides base premium rates based on age bands, sum insured, and plan type. It excludes key adjustments such as loading charges, add-ons, zone-based pricing differences, applicable discounts, and any policy-specific modifications. The final premium is calculated separately during the underwriting process, where these additional risk and pricing factors are applied before issuing the policy or at the time of renewal.
Why does the premium increase with age in the premium chart PDF?
The premium increases with age because the chart follows age-banded pricing, where each higher age slab reflects a higher health risk. As individuals grow older, the probability of hospitalization and medical treatment generally rises, which leads insurers to charge higher premiums. The SBI chart uses fixed rate bands instead of individual pricing. Once you enter a higher age bracket, the base premium goes up to reflect the greater likelihood of healthcare needs and the increased risk that comes with age.
Is it worth buying SBI General Insurance in 2026?
For most buyers, SBI General is a reasonable choice but not necessarily the first recommendation. If you are buying the Super Health Platinum Infinite, you are getting a strong plan with a high claim settlement ratio and a wide hospital network across India. The policy also includes benefits like unlimited restoration and no room rent limits. However, complaint levels remain higher than some competitors; for example, HDFC Ergo reports about 9.28 complaints per 10,000 claims, while SBI General records around 20.51. So, comparing insurers and plans before buying is still important.
Can the premium chart PDF show how my premium will change if I modify coverage or add members?
No, the premium chart PDF does not show how your premium will change if you modify your coverage or add members. It only lists standard base premiums for fixed combinations of age, sum insured, and plan type. SBI General evaluates any changes, such as adding family members, increasing coverage, or updates in health status, separately during underwriting or at renewal. The revised premium depends on updated risk and policy details. So, the chart helps you estimate costs, but it does not reflect personalized or future policy adjustments.
Will SBI General load my premium at renewal if I made a claim?
No, SBI General does not load your premium at renewal because of past claims. IRDAI rules prevent insurers from increasing premiums based on individual claim history. Your premium may still change due to age band progression, updated base rates approved by IRDAI, or changes in sum insured or family details. However, claims in the previous year do not affect pricing. Make sure you renew your policy without a break to retain waiting period credits and moratorium benefits, which protect your long-term coverage advantages.
What tax benefits are available on SBI health insurance premiums?
Premiums paid for SBI health insurance plans qualify for a tax deduction under Section 80D of the Income Tax Act, 1961 (old regime). You can claim up to ₹25,000 per year for yourself, your spouse, and dependent children. If you are also paying premiums for your parents, an additional deduction of up to ₹25,000 is available or up to ₹50,000 if your parents are senior citizens above 60 years. This makes SBI health insurance both a financial safety net and a useful tax-planning instrument.
Does SBI General Insurance increase premiums every year across all plans?
SBI General does not automatically increase premiums every year across all plans. Your premium usually stays the same within your current age band and changes when you move to a higher age bracket. It also increases if you modify coverage, such as adding a family member, raising the sum insured, or choosing extra riders. New medical conditions at renewal may lead to underwriting loadings. Broader rate revisions happen periodically when medical inflation or IRDAI regulatory changes require them. Insurers also cannot increase premiums just because you made a claim, as IRDAI prohibits loading based on individual claim experience.
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