Insurance Company
SBI General Insurance
Policy Name
Super Health Premier
Expert Overview -
SBI General Insurance was founded in 2009 and is backed by the State Bank of India. It has steadily grown its health insurance portfolio, leveraging strong institutional backing and nationwide reach.
Plan Strategy -
Comprehensive health insurance policy with no room rent cap, 100% restoration, suitable for extensive coverage
Network Hospitals
17,000+
>8,500 recommended
Claim Ratio
98.64%
>95% recommended
Complaints
19.056
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
90 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Enhanced ReInsureRestores the cover unlimited times up to 200% of the sum insured for any illness.
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
