Super Health Premier in one table
| Insurer | SBI General Insurance Company Limited |
|---|---|
| Sum insured | ₹3 lakh, ₹5 lakh, ₹7 lakh or ₹10 lakh on the Premier plan. Other plans in the Super Health range run to ₹2 crore |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Super Health Premier covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from SBI General's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | None as standard · 10% or 20% only if you choose it for a premium discount | No Co-payment |
| Room Rent Limit | Room rent and ICU charges at actuals, up to the sum insured | No room rent capping |
| Disease sub-limit | No illness sub-limits · benefit caps on bariatric surgery, ambulance and health check-up | No sub-limit |
| No Claim Bonus | Enhanced Cumulative Bonus: 50% of base sum insured per claim-free year, capped at 100% | 50% each year (Minimum upto 100%) |
| Restoration Benefit | ReInsure Benefit: unlimited times a year, up to 100% of base sum insured, for related and unrelated illness alike | 100% restoration once in a year |
| Health Multiplier | Doubles the base sum insured for 37 listed serious illnesses, at no extra premium | Included |
| Pre-Hospitalization | 60 days | At least 60 days |
| Post-Hospitalization | 90 days | At least 120 days |
| Consumables | Claims Shield pays non-payable items up to the sum insured, built into the plan | Consumables covered |
| Air Ambulance | Up to ₹2 lakh | Included |
| Maternity | ₹25,000 normal, ₹50,000 caesarean · newborn covered up to the maternity limit · 24 to 48 month wait | Included |
| Day-Care Treatment | All day care treatments covered up to the sum insured | Covered without a capped list |
| Entry age | Adults from 18 with no maximum entry age · children 91 days to 30 years | No maximum entry age |
Super Health Premier add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Super Health Premier discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Walk Healthy Benefit | Up to 30% | Step counts tracked on the insurer's app convert into a renewal discount. On an individual policy 15 lakh steps in a policy year earns nothing, 22.5 lakh earns 5% and 37.5 lakh or more earns 30%. The percentage is diluted on floater policies as adults are added. |
| Family individual discount | Up to 5% | Where two or more members are covered on one individual sum insured policy. |
| Long-term discount | Up to 4% or 6% | 4% on a two-year policy and 6% on three years. Not available if you pay in instalments. |
| Co-payment or aggregate deductible | Priced to the option | Accept a 10% or 20% co-payment, or an aggregate deductible of ₹1 lakh, ₹2 lakh or ₹3 lakh, and the premium falls accordingly. |
From the plan prospectus. Applied to the base premium; the insurer's stacking rules apply.
Super Health Premier waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 24 months |
| Pre-Existing Disease | 24 months |
| Hypertension, diabetes and cardiac conditions not pre-existing and disclosed | 90 days |
| Maternity | 48 months for a single adult, 24 months for every other family combination |
The named illnesses that wait 24 months
Payable once the policy has run 24 months without a break; the wait does not apply to an accident. This list is indicative – the prospectus carries the full set of illnesses and surgical procedures.
Super Health Premier exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Super Health Premier falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Super Health Premier questions, answered
Is the pre-existing disease waiting period really two years?
Yes. Super Health waits 24 months on a declared pre-existing condition, not the 36 months most Indian indemnity plans use, and that applies on Premier as it does on every plan in the range. On a plan sold at ₹3 to ₹10 lakh, a full year less exposure on a declared condition is the most valuable thing in the policy.
What is the 90-day rule on diabetes, blood pressure and heart conditions?
It is the clause most buyers miss. A separate 90-day waiting period applies to every claim for hypertension, diabetes or a cardiac condition, and it is waived only if the condition was pre-existing and you disclosed it when you bought the policy. Not declaring to dodge a loading therefore costs you three months of cover on the exact risk you are insuring.
How good is the ReInsure Benefit?
Better than most. It reinstates up to 100% of the base sum insured, unlimited times in a policy year, and the prospectus makes clear it applies to related and unrelated illness alike. Many plans restore only for a different illness, which is the restriction that catches people out when the same condition puts them back in hospital. The optional Enhanced version lifts the ceiling to 200%.
What does the Health Multiplier do?
For 37 named serious illnesses it doubles your base sum insured at no extra premium, so a ₹10 lakh Premier policy behaves as ₹20 lakh for cancer, a major transplant or a similar listed condition. It only fires for those conditions – any other claim runs against the ordinary sum insured – and the enhanced amount is used after the base cover.
Are consumables covered?
Yes, through Claims Shield, which is built into the plan and pays non-payable items up to the sum insured. Gloves, syringes, PPE and the rest of the list hospitals bill separately are settled rather than deducted from your claim. Ask any adviser quoting this plan to confirm Claims Shield is on your schedule, because it is the feature that stops a settled claim leaving a bill behind.
How much cover can I buy on the Premier plan?
Premier is sold at ₹3 lakh, ₹5 lakh, ₹7 lakh or ₹10 lakh. Prime and Elite go up to ₹25 lakh on a thinner benefit set, Platinum starts at ₹10 lakh and runs to ₹50 lakh, and Platinum Infinite covers ₹50 lakh to ₹2 crore. If you want more than ₹10 lakh you are choosing a different plan in the range, not a bigger Premier.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other SBI General plans we have read
SBI General files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.