SBI Health Insurance Plans for Family

10 min read Posted on 21 Jul 2025

The well-being of our family is always on our priority list, and buying a health insurance plan is one of the crucial steps in that direction. SBI health insurance plans for family can be your shield during a medical emergency, ensuring comprehensive coverage.

Key Benefits of SBI Health Insurance Plans for Family

SBI upholds a legacy of trust and security, helping families stay financially protected during medical emergencies. Here are the top benefits of opting for SBI health insurance plans for families:

Savings Benefit

With rising medical costs, SBI family health insurance helps you manage expenses related to hospitalisation (IPD), outpatient care (OPD), surgeries, and even advanced medical procedures—based on the chosen policy.

Affordable Premium

Cover all family members under a single plan and avoid the burden of maintaining multiple policies. This consolidated coverage reduces the overall premium cost. Use the SBI family health insurance premium calculator to estimate your premium before purchase.

Easy Renewability

Skip the hassle of renewing multiple individual plans. With one family floater policy, you only need to renew a single plan annually, ensuring uninterrupted health coverage for the entire family.

Extensive Coverage

Enjoy comprehensive benefits like:

• Pre and post-hospitalisation cover
• Ambulance charges
• Maternity benefits
• AYUSH treatment (Ayurveda, Yoga, Unani, Siddha, and Homeopathy)

Tax Benefits

Premiums paid toward SBI family health insurance are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.

Sum Assured Refill

If your sum insured is exhausted within the policy year, many SBI plans offer an automatic 100% refill to maintain coverage during the remaining tenure.

Preventive Health Check-Up

Some SBI family health insurance policies include preventive health check-ups during the policy year, helping detect potential health issues early.

SBI Health Insurance Plan List for Family

Here are some SBI health insurance plans designed specifically for families:

• SBI Arogya Premier Policy
• SBI Arogya Plus Policy
• SBI Arogya Supreme Policy
• SBI Health Insurance – Retail Plan
• SBI Critical Illness Insurance Plan

Coverage and Exclusions under SBI Health Insurance Plans for Family

SBI family health insurance plans provide financial protection during medical emergencies. However, it’s important to understand both the inclusions and exclusions to avoid any surprises during claims.

What’s Covered

• Hospital expenses, including doctor fees, tele-consultation, medicines, consumables, etc.
• Maternity expenses (as per policy terms and conditions)
• Ambulance charges (as per sub-limit availability)
• Hospitalisation for mental health conditions
• In-patient treatment under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy)
• OPD and daycare expenses
• Pre-hospitalisation cover (up to 60 days before admission)
• Post-hospitalisation cover (up to 90 days after discharge)

What’s Not Covered

• Treatment received outside the geographical scope of the policy
• Injuries or diseases caused by war, war-like events, or nuclear activity
• Treatments for infertility or sterilisation
• Hospitalisation due to injuries sustained while breaking the law
• Expenses for evaluation, rehabilitation, or investigations not linked to active treatment
• Cosmetic or plastic surgery unless medically necessary

Buying Process of SBI Health Insurance Plans for Family

You can purchase an SBI family health insurance policy either from the official website of SBI General Insurance or through RenewBuy Insurance.

Buy from SBI General Insurance

1. Visit the official SBI Health Insurance website.
2. Click the ‘Health’ tab.
3. Click ‘Let’s Start’ to begin exploring plan options.
4. Enter family member details and click ‘Next’.
5. Choose the desired coverage.
6. Enter your contact details and click ‘Show My Health Plans’.
7. Verify OTP and proceed.
8. Compare, customise, and select your preferred plan.
9. Pay the premium using any preferred method.

Post-payment, the policy documents will be emailed to your registered address.

Buy from RenewBuy Insurance

1. Go to the official RenewBuy Insurance website.
2. Click on ‘Insurance’ then select ‘Health’.
3. Enter valid personal details and click ‘Get Started’.
4. Select the family members you wish to insure.
5. Browse through the available plans.
6. Select an SBI or any other suitable plan.
7. Customise coverage using add-ons if needed.
8. Pay the premium through your preferred method.

You will receive your SBI policy documents via email after a successful payment.

SBI Family Health Insurance Renewal Process

Renew your SBI family health policy after its tenure (1, 2, or 3 years) by following these steps:

1. Visit the SBI General website.
2. Select the ‘Renew’ tab from the top menu.
3. Click on the ‘Health’ card.
4. Enter your existing policy details and click ‘Get Quote’.
5. Review and update your policy coverage if necessary.
6. Pay the renewal premium.

Your renewed policy document will be sent to your email.

SBI Family Health Insurance Claim Process

You can file two types of claims: cashless and reimbursement.

Claim Process Overview

• Contact SBI health claim support at 1800 210 3366 / 1800 210 6366 or email sbig.health@sbigeneral.in.
• For a cashless claim: Show your health card at the hospital desk and submit a pre-authorisation form.
• For a reimbursement claim: Inform SBI within 48 hours of hospitalisation.
• Submit necessary documents as advised by the claim support team.
• The claim evaluator will verify the submitted documents.

Claim Settlement

• Cashless Claim: SBI directly settles the hospital bill upon document approval.
• Reimbursement Claim: SBI verifies the bills and reimburses the eligible amount to your bank account.

Final Words

The SBI family health insurance plan is a smart investment for comprehensive protection against rising medical costs. It covers all family members under a single plan and offers a smooth claims experience along with extensive customer support.

If you're unsure which SBI plan suits your family's needs best, consider contacting a RenewBuy Partner for personalised assistance and purchase guidance.

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.