Simplified: SBI General Insurance Policies

Health Insurance Plans

Arogya Supreme Policy

Key features:

• Policy tenure is one, two and three years.
• Coverage for more than 530-day care procedures.
• Cover the expenses prior to hospital admission and after discharge.
• 15% increase in sum insured for every claim free year.
• Various discounts such as family discount, loyalty discount, policy term discount.

Aarogya Sanjeevani Policy

Key features:

• Coverage up to INR 10 lakh.
• AYUSH coverage up to sum insured.
• 5% cumulative bonus in every claim-free year.
• Cover the expenses prior to hospital admission and after discharge.
• Family floater health policy.
• No medical check-up required before the age of 55 years.

Arogya Premier Policy

Key features:

• Option to receive multiple tenure options.
• Coverage for 140-day care procedures.
• 5% cumulative bonus in every claim-free year.
• Cover the expenses prior to hospital admission and after discharge.
• No medical check-up required before the age of 55 years.
• Coverage for maternity expenses.

Arogya Plus Policy

Key features:

• Policy tenure is one, two and three years.
• Outpatient expenses covered such as
• Cover the expenses prior to hospital admission and after discharge.
• No medical check-up required before the age of 55 years.
• Coverage for maternity expenses up to outpatient limits.
• Multiple sum assured options up to INR 3 lakh.
• Entry age is three years and 65 years with no exit age.

Arogya Top Up Policy

Key features:

• 140 daycare expenses covered.
• Maternity coverage.
• Coverage for organ donor expenses.
• Wider coverage up to INR 50 lakh.
• Cover the expenses prior to hospital admission and after discharge.
• No medical check-up required before the age of 55 years.
• Deductible up to INR 10 lakh.
• Entry age is 18 years and 65 years.

Health Insurance Policy- Retail

Key features:

• Wider coverage up to INR 5 lakh.
• No medical check-up till 45 years.
• Family floater policy.
• Flexible plan options city or metro-wise.
• No medical check-up before the age of 45 years.
• Coverage for operation and intensive care charges.

Critical Illness Health Insurance Plan

Key features:

• Coverage for listed 13 critical illnesses such as cancer, end-stage kidney issues.
• Two plans of one and three years.
• Coverage up to INR 10 lakh.
• Entry age is 18 and 65 years.

Hospital Daily Cash Insurance Policy

Key features:

• No medical check-up before 45 years of age.
• Daily cash benefit up to INR 4,000 per day.
• Flexible and multiple plan options.
• Coverage for accidental injuries.

Loan Insurance Policy

Key features:

• Coverage for 13 critical illnesses, accidental death or permanent disablement and loss of job.
• Policy tenure can be availed for up to three years.
• No medical check-up required up to a sum insured of INR 1 Crore and till age up to 55 years.
• Waiting period for critical illness is 90 days.

Super Health Insurance

Key features:

• Coverage for road and air ambulance.
• Coverage for all day care procedures.
• Coverage for maternity expenses and OPD expenses.
• Free annual health check-ups.
• Coverage up to INR 1 crore.
• Coverage for global treatment.

Motor Insurance

Key features:

• Coverage available for car, bike and commercial vehicles.
• 6,000+ cashless garages.
• Claim settlement process is smooth and can be easily done via mobile.
• Coverage for accidental damage, third-party liability
• Personal accident coverage to owner driver up to INR 15 lakh.
• No-claim bonus (NCB) up to 50% for each claim free year.
• Multiple add-ons such as: NCB, key replacement cover, bi-fuel kit, loss of belongings, return to invoice, zero depreciation.
• Types of motor insurance policies:

1. Private car insurance policy package
2. Two-wheeler insurance policy.
3. Commercial vehicle insurance package.
4. Long-term two-wheeler policy.
5. Motor Act only policy.

Personal Accident Insurance Policies

Individual Personal Accident Insurance

Key features:

• Covers accidental death or disabilities.
• Comprehensive coverage for loss of income arising due to accidents.
• Offers cumulative bonus for claim-free years.
• No medical tests are required to buy this plan.

Saral Surakhsha Bima

Key features

• Low-cost and affordable plan.
• Entry age is 18 to 70 years.
• Family floater policy.
• Covers include accidental death or disabilities.
• Optional covers for temporary disabilities, education grant and hospitalization expenses due to accidents.
• 5% cumulative bonus for each claim free year.

Health+ Life Insurance Plan

Arogya Shield

Key features:

• Dual benefit of health and life coverage in one plan.
• Additional discount of 5%.
• Coverage up to INR 3 lakh under health insurance coverage.
• Coverage up to INR 25 lakh for life insurance coverage.
• 141-day care procedures covered.

Home Insurance Plans

Griha Raksha Plus

Key features:

• Coverage for home building and home content.
• Automated increase in sum insured.
• Long policy duration up to 20 years.
• Optional covers such as:

1. Personal Accident Cover
2. Cover for Valuable Contents
3. EMI Protection
4. Temporary Resettlement Expenses
5. Pet Insurance and Tenant Liability Cover

Bharat Griha Raksha

Key features:

• Coverage available for owners, tenants and landlords.
• Policy tenure is from one to 10 years.
• Coverage for full home structure.
• Optional coverage for valuable content.

Simple Home Insurance Policy

Key features:

• Coverage for fire, explosion, storm and other related perils.
• Coverage for burglary and public liability.
• Long-term discount.
• Provides protection against lawsuits due to damage on your property.

Travel Insurance

(For Business and Holiday)

Key features:

• Coverage for loss of passport.
• No medical examination.
• Coverage up to $5 lakh (INR 4 crore)
• Flexibility to choose between single and multi-trip insurance.
• Coverage for medical costs related to evacuation or repartition.
• Any treatment costs while on holiday.

• You can easily buy SBI General Insurance policies online by simply logging to their websites.
• Select the kind of policy you are planning to buy such as health insurance, travel, motor or any kind of general policy.
• After the selection of policy, fill-in the required and mandatory details such as personal information and policy related queries.
• Premium can be paid online via credit/debit card or e-wallets, net banking among others.
• Please check all the details of the purchased online insurance policy as soon as you receive it.

• Intimate your claim request via online or via toll-free numbers and fill the claim form.
• The claim’s department will assess the documents and the submitted form.
• Submit all the required documents to our claims manager or executive and get them verified against the originals.
• SBI General will initiate the claim process and all admissible claims shall be settled within 30 days of receipt of final survey report.

As we have already mentioned the online process of buying a policy, you can also buy or renew your policy by directly connecting with the company. Following are the details of their respective customer care: