SHOCKER: SBI Health Insurance Family Plans **OUT NOW!** Max Coverage, Low Premium?
🚨 SHOCKER: SBI Health Insurance Family Plans **OUT NOW!** Max Coverage, Low Premium? Must-Read 2025 Review
By: **[Your Name]**, Licensed Insurance Consultant | Last Updated: November 8, 2025
SBI General Insurance, backed by the trust of the State Bank of India, offers some of the most comprehensive Family Floater plans in the market. As healthcare costs continue to skyrocket, choosing the right policy—such as the **Super Health** or **Arogya Supreme** plan—is essential for securing your family’s future.
📚 Table of Contents
The Flagship SBI Family Health Plans
SBI General Insurance, the non-life subsidiary of SBI, fields several robust policies tailored for families. Here are the top three plans you must evaluate:
A. SBI Super Health Insurance Policy (The Premium Choice)
This plan is designed for families seeking **maximum coverage** and modern benefits. With Sum Insured options going up to **₹2 Crore**, it offers features like the **Reinsure Benefit** (Unlimited Restoration of the Sum Insured) and a generous **Health Multiplier** for claim-free years. This policy is ideal for families who want minimal compromises on hospital services.
B. SBI Arogya Supreme Health Insurance Policy (The Comprehensive Floater)
A highly flexible policy that allows a Sum Insured of up to **₹5 Crore**. Arogya Supreme stands out for its wide inclusion of modern treatments and coverage for specialized areas like **Mental Health Care**, **Genetic Disorders**, and optional **Domestic Air Ambulance** cover. It is a balanced plan that appeals to both high-net-worth and middle-income families.
C. SBI Arogya Sanjeevani Policy (The Affordable Standard)
As per IRDAI mandate, this plan offers a standardized, basic health cover up to **₹10 Lakhs**. It is perfect for first-time buyers seeking affordability and includes no sub-limits on room rent, making it a clean, simple, and honest health policy.
Maximize Value: Key Features & Benefits
What makes SBI a popular choice for families?
- **High Claim Settlement Ratio (CSR):** SBI General Insurance maintains a strong CSR, recently reported around **97.05%** (FY 2023-24), signaling reliability when you need it most.
- **Extensive Network:** Access to a vast network of over **16,600+** cashless hospitals across India.
- **Tax Benefit:** All premiums paid are eligible for tax deductions under **Section 80D** of the Income Tax Act (up to ₹1,00,000 for self, spouse, children, and senior citizen parents).
- **Renewal Bonuses:** Plans like Super Health offer generous **Health Multiplier** or **Cumulative Bonus** benefits, increasing the Sum Insured for every claim-free year.
SBI Super Health vs. Arogya Supreme: The Ultimate Comparison
When comparing the two flagship plans for a family, the differences in key features are critical:
| Feature | Super Health Policy | Arogya Supreme Policy |
|---|---|---|
| Max Sum Insured (SI) | Up to ₹2 Crore | Up to ₹5 Crore |
| Restoration Benefit | Unlimited Restoration | 100% Restoration (Once per year) |
| Global Treatment | Included (Optional) | Not Included |
| PED Waiting Period | 3 years | 4 years |
Crucial Purchase Considerations (Waiting Periods & IDV)
Always review the policy fine print before committing:
- **Pre-Existing Disease (PED) Waiting Period:** Like most policies, SBI plans typically enforce a **3 to 4-year waiting period** for Pre-Existing Diseases.
- **Mandatory Initial Waiting Period:** A **30-day waiting period** applies for all non-accidental claims from the policy start date.
- **Co-Payment Clause:** Some variants may have an optional or mandatory **Co-payment** where the family pays a percentage of the claim amount. Always check if a co-pay applies to the variant you choose.
❓ Quick Claim FAQs (Essential Info)
What is the Claim Settlement Ratio (CSR) for SBI Health Insurance?
The Claim Settlement Ratio (CSR) for SBI General Insurance (which handles Health policies) is highly competitive, recently reported around **97.05%** (FY 2023-24). A CSR above 95% is considered excellent and signals high reliability in settling claims.
Is a medical test required for SBI Family Health Plans?
Generally, **no pre-policy medical test** is required for applicants up to the age of **55 years** with no adverse medical history. Tests are typically mandatory for older applicants or those with specific health conditions.
Are parents and parents-in-law covered in a Family Floater?
Yes, many SBI family plans, like **Arogya Supreme**, allow you to include parents and parents-in-law. However, note that the premium will be calculated based on the age of the **oldest member** in the family, which will significantly increase the cost.
⚠️ Official Verification & Sensitive Topic Disclaimer
[General Financial / Insurance Disclaimer]
This article contains information for news purposes only. It is **not financial advice**, insurance advice, or investment recommendation. All coverage details, premiums, and Sum Insured amounts are indicative and **must be verified with a certified SBI General Insurance professional or the official policy document** before purchase.
Youteek: from Heritage Hues to Todays trends – Endless styles One destination Youteek! Don’t miss out—explore our exclusive styles now and find your perfect fit today. Shop the collection and upgrade your wardrobe instantly Kyuki Youteek hai to Asli hai – add to cart from our Women’s Collection, Men’s Collection, Home Decor, or Personalised Gifts.