SBI General Insurance Company Limited
SBI Super Health Insurance
UIN SBIHLIP24141V022324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹2 cr
Claim settlement (CSR)
97%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
15,000+
Free look
30 days
What this plan does well
- 27 BASE COVERS + 7 OPTIONAL COVERS — UMBRELLA PROTECTION (industry comprehensive)
- ReInsure Benefit: UNLIMITED Reinstatement of SI from FIRST CLAIM, every claim, up to 200% of Base SI
- Health Multiplier: 37 Serious Illnesses → SI multiplied up to 3x at no extra cost
- Claims Shield: Consumables (gloves/masks/cotton/bandages) covered — reduces out-of-pocket
- Medical Treatment Abroad — 16 listed Illnesses (Cancer, transplants, etc.)
- Air Ambulance up to ₹10 Lacs/year
- Home Health Care up to Base SI
- Shared Accommodation Cash Benefit ₹500/₹1000/day
Watch out for
- Room rent + ICU per Policy Schedule — verify exact cap (not stated in brochure)
- Domiciliary on Reimbursement Basis only (not cashless)
- SBI General CSR ~97% (lower than top-tier insurers)
- Some benefits require multiple Optional Covers (Maternity, etc.)
- PED waiting 36 months (industry baseline)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.