Overview
The SBI Super Health Platinum Infinite plan is the most premium variant of the Super Health series, offering comprehensive health insurance coverage with a sum insured range of 50 lakhs to ₹2 crores. Key features include in-built maternity coverage up to ₹2 lakhs, OPD coverage up to ₹10,000/year for a single adult (up to ₹20,000 for all other family combinations), and an unlimited restoration benefit of up to 200% of the base sum insured. The plan also includes the Multiplier Health feature, providing an additional 3x the base sum insured for listed 37 critical ailments once a year.
Experts' Review
Written by Nikhil Nair
Senior Writer
The SBI Super Health Platinum Infinite plan is a robust health insurance solution that offers extensive coverage with unique features. Its Multiplier Health benefit is particularly noteworthy, providing additional financial support for critical ailments by offering three times the base sum insured annually. The plan's unlimited restoration perk ensures continuous financial protection during multiple claims, while its in-built OPD coverage and maternity benefits enhance its appeal for families.
The plan offers comprehensive coverage with several valuable features: no co-payment, no room rent limits, coverage for modern treatments, AYUSH, daycare, and domiciliary care—all up to the base sum insured. It also includes 60 days of pre-hospitalization and 180 days of post-hospitalization coverage, along with bariatric surgery cover up to ₹2 lakhs. Additionally, the plan stands out for its short waiting periods: 2 years for pre-existing diseases, 1 year for specific illnesses, and maternity coverage after 48 months for single adults or just 24 months for other family combinations.
However, despite these premium features, SBI's operational efficiency is a concern. The insurer has a 3-year (2021-24) average claim settlement ratio of 97%, which is competitive, but its grievance redressal process involves multiple steps, potentially leading to delays in resolving issues. While the plan offers comprehensive benefits, buyers should carefully evaluate SBI's operational challenges and compare them with other insurers before purchasing.
Pros
Offers a wide range of features.
Insurer has a solid track record with great claim and service metrics.
Offers Multiplier Health, which makes this policy stand out.
Cons
No significant drawbacks found.
SBI
Key Insights
Founded
2009
SBI was established 16 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96% claims settled in 30 Days
SBI settles 96% of all claims it receives demonstrating strong credibility.
Network Hospitals
16,600+
SBI has a strong network with over 16,600 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
21 complaints per 10,000 claims registered
SBI experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Multiplier Health
STANDOUT
Insurer will provide an extra sum insured up to 3x of the base cover once a year for the treatment if the insured member is diagnosed with any listed critical illness.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Customisable
Choose a co-payment between 10% and 20% to reduce premiums.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 1 year. It’s probably the best deal you can get to be honest.
Add-ons
Voluntary Co-Payment
Choose a co-payment between 10% and 20% to reduce premiums.
Wellness Benefits
Get Health Assistance (A.I. Personal Fitness coaching), Dietician and Nutrition E-consultation along with unlimited gym membership. Additionally, the insurer offers renewal discount based on the number of steps walked by the insured members.
Aggregate Deductible
Choose deductible between ₹5,00,000 and ₹10,00,000 and get a discount on premiums.
Domestic Help/Staff Cover
Covers the domestic help/staff member up to the defined limits.
Accidental Hospitalization Additional Cover
Additional 2x cover of base sum insured applicable for emergency-caused directly due to an accident.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), policyholder is not entitled to get the coverage for specifed ICD codes
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Internal congenital diseases
Diseases of gall bladder including cholecystitis
Pancreatitis
All forms of cirrhosis
Perianal abscesses
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
1 years Pre-existing disease waiting period
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. The PED waiting period is better than usual.
Customer Reviews
P
Priya S.
Multiplier Health benefit offering 3x base SI for critical ailments annually is outstanding!
R
Rohan K.
Unlimited restoration perk ensures continuous financial protection, which is great.
A
Ananya P.
OPD coverage included is very practical for routine medical expenses.
S
Sameer K (new)
While claim settlement ratio is competitive (97%), the process itself could be cumbersome.
K
Karan P (new)
SBI's grievance redressal process involves multiple steps, potentially leading to delays.
A
Arjun G.
High sum insured options available, suitable for extensive coverage needs.
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Frequently Asked Questions
Does Super Health Platinum Infinite have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 1-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2 to 4-year waiting period before you can make claims related to pregnancy and childbirth.
- 90-Day Waiting Period: Hospitalizations won’t be covered for Diabetes, Hypertension and Cardiac conditions if these are not diagnosed as PEDs at the time of purchase.
Does Super Health Platinum Infinite have room rent restrictions?
Does Super Health Platinum Infinite offer a restoration benefit?
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