SBI Health Insurance for Senior Citizens

10 min read Posted on 22 july 2025

Old age is the time to take the back-seat drive of the ride of life. But covering the ride from unexpected hurdles becomes your responsibility. You can do it by buying a health insurance policy suitable for senior citizens. When it comes to trust and assurance, SBI General is a prevailing name in the health insurance industry.The company also serves senior citizens with health insurance plans that ensure extensive coverage. With a network of over 23,000 SBI branches, agents, OEMs, financial alliances, and digital partners, the company serves a customer base of up to 20.46 crores. Hence, buying SBI health insurance for senior citizens gives you the confidence to get the best medical care available in emergencies.

Specifications of SBI Health Insurance for Senior Citizens

Here are the key features that make it a suitable option for senior citizens:

Key Benefits

Key Benefits of Buying SBI Health Insurance for Senior Citizens

SBI General is one of the fastest-growing general insurance companies in India, upholding the legacy of trust and security. Here are the major benefits that you can expect for your covered senior citizens:

Ensured Financial Cushion: SBI senior citizen health insurance plans offer coverage of ₹10 Lakhs to ₹30 Lakhs under the individual and family floater plan options. Hence, when you get diagnosed with a severe illness or have a major surgery, your financial flow will never be an issue. Some SBI health insurance for senior citizens also provides extended coverage of up to ₹1 Crore.

Cumulative Bonus: For every claim-free year, you will be eligible for a 5% of cumulative bonus at the time of policy renewal (when renewed without any break). This bonus can go as much as 50% based on the claim-free year.

Cashless Hospitalisation: You can reach any network hospital listed for cashless treatment benefits. No matter where you are stuck across India, get assured quality treatment per the policy allowance.

Exclusive Coverage: SBI medical insurance for senior citizens may provide comprehensive coverage during hospitalisation, including pre- and post-hospitalisation. Also, some policies cover daycare expenses, room rent, ICU charges, etc., so you can focus on recovery rather than on medical bills.

Add-On Coverage: Some senior citizen mediclaim policies for senior citizens also offer add-on covers that help enhance the base policy benefits. Based on your requirements, you can choose any add-ons, including domestic air ambulance coverage, compassionate benefit, e-opinion benefit, and recovery benefit.

Policy Discounts: Some SBI health insurance policies offer attractive discounts, such as family discounts, loyalty discounts, policy term discounts, etc. which can help you save on premium costs.

Full Family Coverage: Based on your requirements, you can compare and buy a health insurance policy from SBI for yourself or get full coverage for your family under one plan.

Free Annual Health Check-Up: SBI mediclaim for senior citizens offers free health check-ups for policyholders every policy year. This keeps you free from the burden and also gives a quick check on your current health status, saving you from any serious illness.

Long-Term Policies: Long-term policies keep you stress-free from the yearly policy renewals. You can select a SBI health policy with a term of 1, 2, or 3 years based on your requirements.

Tax Benefits: The premium paid towards the SBI health insurance for senior citizens is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Lifelong Renewability: The SBI mediclaim policy for senior citizens also has the feature of lifelong renewability. Hence, a one-time purchase may benefit you for lifetime coverage on timely renewals.

List of SBI Health Insurance for Senior Citizens

Here are the health insurance plans offered by SBI for senior citizens:

1. SBI Arogya Supreme Health Policy     
   Coverage Benefits:

   • E-consultations with specialist
   • Sum insured refill
   • 537 daycare procedures

   Eligibility Criteria:

   • Entry Age: 18 - 65 years
   • Sum Insured: ₹3 Lakhs - ₹1 Crore

2. SBI Arogya Sanjeevani Policy     
   Coverage Benefits:

   • Advanced procedures
   • Policy discounts
   • Cumulative bonus

   Eligibility Criteria:

   • Entry Age: 18 - 65 years
   • Sum Insured: ₹3 Lakhs - ₹5 Lakhs

3. SBI Arogya Top-Up Policy     
   Coverage Benefits:

   • Maternity expenses
   • 141 daycare expenses
   • Organ donor expenses

   Eligibility Criteria:

   • Entry Age: 3 months - 65 years
   • Sum Insured: ₹1 Lakh - ₹50 Lakhs

Inclusions of SBI Health Insurance for Senior Citizens

SBI health insurance for senior citizens ensures complete coverage during a medical emergency. Here are the various circumstances covered:

• Hospitalisation expenses include room rent, nursing expenses, boarding expenses, ICU, etc.
• Pre- and post-hospitalisation expenses
• AYUSH treatment costs
• Coverage for mental health treatment
• Organ donor expenses
• Internal congenital diseases
• Ambulance charges
• Preventive health check-up

Exclusions of SBI Health Insurance for Senior Citizens

When the SBI health insurance for senior citizens provides extensive coverage, certain medical conditions are out of coverage. A better understanding will help you make smart decisions during a medical emergency. Here are the cases that are not covered under the SBI mediclaim for senior citizens:

• Pre-existing disease before the waiting period
• Treatments taken outside India
• Expenses for cosmetic/ plastic surgery
• Gender change treatment expenses
• Obesity treatment
• Outpatient department treatments
• Experimental treatments
• Expenses under investigation and evaluation
• Injuries due to nuclear material, war or war-like situations
• Treatments for the causes that involve a breach of law
• Infertility and sterility treatment
• Claims raised for unproven treatments.

How to Purchase SBI Health Insurance for Senior Citizens?

You can purchase SBI health insurance for your family by directly visiting their branch office or online through their website. Alternatively, you can connect with one of our RenewBuy Partners to compare and purchase a plan at an affordable price. Here are the simple steps you can follow:

Buy With SBI General

1. Visit the official website of SBI General Insurance.
2. Navigate to the ‘Quick Links’ button on the extreme right of the top menu bar.
3. Select the ‘Quote Retrieval’ option from the drop-down menu.
4. Provide your contact details and click ‘Show Quote’. Verify the OTP received.
5. A list of plans will be displayed on the screen.
6. Compare and customise your plan as per your suitability and preferences.
7. Upon reviewing the premium price, you can pay using the preferred method.
8. You will get your SBI health insurance for senior citizens policy documents on your registered email.

Buy With RenewBuy

1. Visit the official website of RenewBuy.
2. Proceed to select the ‘Insurance’ card from the homepage.
3. Select the ‘Health’ option available.
4. Enter your details to begin the purchase process. Mention the members you want to cover and their respective ages.
5. Select the plan type per your requirements, from individual or family floater. Click ‘Continue’.
6. Enter additional details and proceed to get quotes.
7. Select the SBI General plan from the list of plans or any other plan that fits your preference.
8. Compare and customise the plan as per suitability.
9. Complete the payment by following the payment instructions.
10. Once done, you will receive the policy documents in your registered email.

How to Renew SBI Health Insurance for Senior Citizens?

Medical emergencies may occur without any notice. Health insurance policy renewal is important to enjoy the uninterrupted benefits. You can renew your SBI health insurance for senior citizens within the due renewal date or during the grace period. Here are the steps you can follow:

Renew with SBI General Insurance

1. Visit the official website of SBI General.
2. Click the ‘Renew’ option available on the top navigation bar.
3. On the next page, click the ‘Continue’ button under the ‘Health’ section.
4. Provide your policy details and click ‘Get Quote’.
5. Your policy details will be visible on the screen. Review and make any changes if required as per changed necessities.
6. Once confirmed, you can make the payment using your preferred method.
7. Your renewed SBI health insurance policy documents will be shared in your email.

Renew with RenewBuy

You can connect with RenewBuy Partners to renew your SBI health insurance plan for senior citizens in minutes. During renewal, you can make the required changes if your health insurance needs have been changed with time.

SBI Health Insurance for Senior Citizens Claim Filing

Healthcare issues can be more frequent among senior citizens and require quick medical care. With an SBI health insurance policy for senior citizens, you can reach any network or non-network hospital to file a cashless or reimbursement claim. Follow the given process to file a claim against SBI health insurance for senior citizens:

Claim Intimation: Notify the SBI General or the TPA by calling the toll-free number 1800 102 1111, SMS "CLAIM" to 561612, or emailing their details to customer.care@sbigeneral.in. Alternatively, you can inform SBI General about the claim through the official website.

• For a cashless claim, providing senior citizens medical insurance policy details to the TPA is enough. The team will then take responsibility for the claim.
• For a reimbursement claim, you pay the bills and then file for reimbursement.

Doing so, you will get a claim number or reference number.

Claim Processing: One of the SBI customer representatives will connect with you within 24 hours.

Document Submission: You are required to submit the documents to support the claim.

Claim Processing: Once all the documents are received, the company will initiate the health insurance claim process. The valid claim is settled within 30 days of the final survey report.

Things to Consider Before Buying Senior Citizens

A health insurance policy is your long-term commitment and hence, requires critical evaluation at the time of purchase. A thoughtful purchase decision will benefit you during a medical emergency. Here are the key factors that you need to consider before buying a health insurance policy for senior citizens:

• Eligibility Criteria: Before purchasing a policy, review the age limits for coverage and any specific medical tests or documents necessary to avoid any delay.
• Network Hospitals: Ensure SBI's health insurance has a broad network of hospitals near your residence offering cashless treatment.
• Premium: Ensure the premium is affordable. Also, verify if there are flexible payment options, such as annual or quarterly payments.
• Right Sum Assured: Ensure the sum insured is sufficient to cover medical expenses with the rising healthcare costs, particularly for major treatments and surgeries. If you must file the claim again in a year, ensure it doesn’t run out.
• Waiting Period: Review the waiting period for pre-existing conditions and specific treatments. Most policies have a waiting period, typically 2 to 4 years before pre-existing conditions are covered.
• Co-payment Clause: Check the co-payment percentage in the health insurance policy, as this may affect your out-of-pocket costs during claims.
• Pre-policy Medical Examination: Some plans may require a pre-policy medical checkup. Verify if the test is required and who bears the cost.
• Coverage: Check what’s included in the policy, such as inpatient hospitalisation, daycare treatments, and coverage for pre-existing diseases after a waiting period.
• Exclusions: Go through the policy’s list of exclusions, such as specific diseases or treatments that aren’t covered.

Conclusion

SBI health insurance for senior citizens is a valuable option for ensuring comprehensive health coverage tailored to their needs. With benefits like coverage for hospitalisation, pre-existing diseases after a waiting period, and a broad network of hospitals, the plans ensure financial protection during medical emergencies.

To make the purchase easier, connect with one of the RenewBuy Partners who will help in proper planning and the right policy choice for the later stages of life.

Disclaimer: The content published in this article is intended solely for the readers' informational purposes and should not be relied upon for personal, medical, legal, or financial decisions. It is advisable to seek advice from a qualified professional regarding specific concerns. The details provided regarding the plan are for reference purposes only. Please visit the insurer’s website for the latest updates on the plan. The company does not guarantee suitability, reliability, timeliness, or accuracy of the information, services, or any other aspects mentioned in this regard for any purpose. We do not endorse any insurance company or insurance product provided by any insurer.