SBI Super Health Insurance

Founded in 2009, SBI General Insurance is one of India’s fast-growing private general insurers and is backed by the State Bank of India. Known for trust and financial strength, the company has expanded quickly, from 17 branches in 2011 to over 146 branches across India today.

Note: These metrics help judge an insurer’s reliability and service quality. CSR shows the percentage of claims the insurer pays, so a higher number means more claims are honoured. ICR shows how much of the collected premium is used to pay claims, indicating whether pricing is balanced. Annual business volume reflects the insurer’s size and market presence. Complaints per 10,000 claims show how often customers face issues during claims(lower is better).

Note: It’s a retail health insurance policy where you can cover up to 4 adults plus any number of children in a family floater. The policy also offers lifelong renewability. The Prospectus states it is a “Comprehensive Policy with 27 base covers and 7 optional covers.”

Key Benefits of SBI Super Health Insurance

• Coverage Boost and Restoration: This plan restores your sum insured an unlimited number of times in a year after it is used. Your cover also increases by up to 100% over time, giving you higher protection without extra effort.
• Enhanced Protection for Serious Illnesses: For 37 listed serious illnesses, the policy increases the base sum insured according to the variant you choose. This feature is not available with the prime variant.
• Extra Cover for Accidental Hospitalization: If hospitalization happens due to an accident, you get an additional two times coverage. This shall be utilized only after the base Sum insured has been completely exhausted. This benefit is available only once during the policy year and as per other t&c.
• Cumulative Bonus Protection: Your no-claim bonus remains safe even if you make a claim. This ensures that your accumulated benefits do not reduce after a single medical expense. Enhanced Cumulative Bonus (ECB) reduces if a claim happens, unless you’ve opted for the protection add-on and meet its conditions.
• Global Coverage: The policy includes medical coverage outside India as well. This feature is available with the platinum and platinum infinite variants.
• Preventive Health and Wellness Benefits: You receive free annual health check-ups and access to wellness programs. You also get to enjoy unlimited gym memberships.
• Tax Benefits: Premiums paid for this policy are eligible for tax benefits under Section 80D of the old regime. This helps reduce your overall tax burden while securing your health.

SBI Super Health Insurance Premium Chart PDF Download

You can view and download the SBI General Super Health Insurance premium chart PDF through their website.

Note: The annual premiums are illustrative. Final premiums depend on other factors like city, medical history, and lifestyle.

Note: The annual premiums are illustrative. Final premiums depend on other factors like city, medical history, and lifestyle.

Note: The annual premiums are illustrative. Final premiums depend on other factors like city, medical history, and lifestyle.

SBI Super Health Insurance Plan Optional Covers

• Enhanced ReInsure Benefit: Refills your sum insured up to 200% if your base cover and bonus are used up in a policy year. The total cover is shared among all insured members for the same year.
• Enhanced Cumulative Bonus Safeguard: If your claim in a year is ₹1 lakh or less, your accumulated bonus will not be reduced at renewal. This option can be chosen only at policy inception.
• Co-payment Option: A 10% or 20% co-pay (as chosen) will apply on every admissible claim after the deductible, as mentioned in the policy schedule.
• Aggregate Deductible: You pay claims up to the chosen deductible limit in a policy year. The insurer starts paying only after this limit is fully exhausted.
• Domestic Help/Staff Cover: Covers hospitalisation expenses of your domestic help for specified treatments. The sum insured is separate from the base policy and applies individually.
• Accident Hospitalisation Booster: Provides an extra 2x base sum insured for accident-related hospitalisation, usable once per policy year after base cover is exhausted.
• Wellness Benefits: Includes AI fitness coaching, dietician consultations, gym membership, and walking rewards.

How To Buy Super Health Insurance Online?

If you wish to purchase an SBI Super Health Insurance policy, visit their website and follow these simple steps:

1. Enter your mobile number, name, email and PIN code. Next, click Proceed.
2. Select the insured members. Choose your plan, sum insured, and required coverage options.
3. Fill in all personal details, including proposer, EIA, and nominee information.
4. Make the payment online. Your policy will be sent to your registered email instantly.

Note: If you prefer in-person assistance, you can buy it through SBI General's registered agents/branches.

Why Approach Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 15,000+ happy customers
• Backed by Zerodha
• Dedicated Claim Support Team
• 100% Free Consultation

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call or chat with us on WhatsApp now, slots fill up fast!

Ditto’s Take on SBI Health Insurance

SBI usually uses third-party administrators (TPAs) for group policies and an in-house team for retail plans. Their website offers limited details and a basic digital experience. For many services, you may need to check documents carefully and contact customer care or visit a branch for further assistance.

Having said so, Super Health Platinum Infinite features in our list of the best health insurance plans for 2026. Learn more about how we evaluate these plans through Ditto’s Cut.

Note: Ditto is not a partner of SBI General Insurance. All information in this article is based on details available on their official website and other publicly available sources.