Insurance

General Health Alpha

A configurable retail health plan with two base-cover choices, optional covers and lifelong renewability.

Policy typeRetail health insurance with configurable base and optional covers Sum insured₹5 lakh to unlimited sum insured Entry ageAdults 18 years and above; dependent child 91 days to 25 years

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✓ Manually checked 23 Aug 2026 · active

SBI General Health Alpha official product image

Offered byState Bank of India

India, subject to General policy terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeRetail health insurance with configurable base and optional coversView source

General describes Health Alpha as a comprehensive retail health product with two mandatory base-cover choices and optional covers.

Source: General Health Alpha
Page / section: What Is Health Alpha?
Accessed: 23 Aug 2026
Confidence: high

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Sum insured₹5 lakh to unlimited sum insuredView source

The official key-features table publishes ₹5 lakh to unlimited sum insured.

Source: General Health Alpha
Page / section: Key Benefits table
Accessed: 23 Aug 2026
Confidence: high

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Entry ageAdults 18 years and above; dependent child 91 days to 25 yearsView source

The official table publishes adult and dependent-child entry ages.

Source: General Health Alpha
Page / section: Key Benefits table
Accessed: 23 Aug 2026
Confidence: high

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Policy term1 to 5 yearsView source

General publishes policy terms from 1 year to 5 years.

Source: General Health Alpha
Page / section: Key Benefits table
Accessed: 23 Aug 2026
Confidence: high

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Key coverageHospitalisation, pre/post-hospitalisation, day care, AYUSH, modern treatment, ambulance, organ donor and optional lifestyle covers; lifelong renewabilityView source

The official page lists these base and optional coverage areas and lifelong renewability.

Source: General Health Alpha
Page / section: What’s Covered Under Health Alpha?
Accessed: 23 Aug 2026
Confidence: high

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InsurerSBI General Insurance Company LimitedView source

General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.

Source: General products
Page / section: General Products catalogue
Accessed: 23 Aug 2026
Confidence: high

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Key exclusionsThe issuer's illustrative exclusions include investigation/evaluation, rest cure or rehabilitation, obesity/weight control, change-of-gender treatment, cosmetic or plastic surgery, hazardous or adventure sports, breach of law, excluded providers, alcohol or substance abuse, wellness/rejuvenation, dietary supplements, refractive error, unproven treatment, sterility/infertility and maternity unless the specific cover is opted. The policy wording controls the complete list.View source

The page marks this as an illustrative list and directs readers to the policy wording for the full exclusions.

Source: General Health Alpha — official product page
Page / section: What's Not Covered — illustrative exclusions
Accessed: 26 Aug 2026
Confidence: high

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Hospital network18,324 network hospitals across 140+ locations are displayed on the current SBI General Health Alpha page; the live network can change.View source

The page displays 18,324 network hospitals and 140+ locations alongside the product information.

Source: General Health Alpha — official product page
Page / section: Page header — Customers Served, Network Hospitals and Locations
Accessed: 26 Aug 2026
Confidence: high

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Waiting period30 days for illnesses (not applicable to continuous renewal or accidents); 24 months for pre-existing diseases and listed specific illnesses; 24 months for bariatric surgery, maternity/child care and global cover; 12 or 24 months for vision correction as opted; 90 days for critical illness.View source

The nine-page lists the initial, specific-illness, pre-existing-disease, bariatric, vision-correction, maternity/child-care, global-cover and critical-illness waiting periods, including the accident and continuous-renewal exceptions.

Source: General Health Alpha — Customer Information Sheet
Page / section: Page 5 — Waiting period
Accessed: 29 Aug 2026
Confidence: high

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Geographic limitsHospitalisation, pre/post-hospitalisation, day care, AYUSH, modern treatment, ambulance, organ donor and optional lifestyle covers; lifelong renewabilityView source

The manually reviewed product record states: “Hospitalisation, pre/post-hospitalisation, day care, , modern treatment, ambulance, organ donor and optional lifestyle covers; lifelong renewability”.

Source: General Health Alpha — official product page
Page / section: Published product metadata
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹5 lakh to unlimited sum insured
35 optional covers
Lifelong renewability

Eligibility

Adult entry 18+
Dependent-child entry 91 days to 25 years

Passing a listed condition does not mean the bank will approve an application.

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableCover or condition

Initial illness waiting period · Published period30 days; not applicable to continuous renewal or accidents

This value is copied from General Health Alpha — published waiting periods. Check the table notes before relying on it.

Source: General Health Alpha — Customer Information Sheet · Page 5 — Waiting period Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsSBI General Health Alpha — published waiting periodsWaiting-period options transcribed from the current Customer Information Sheet.View tableHide table

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SBI General Health Alpha — published waiting periods
Cover or condition	Published period
Initial illness waiting period	30 days; not applicable to continuous renewal or accidents
Specific illnesses	24 months for listed conditions
Pre-existing diseases	24 months
Bariatric surgery	24 months
Vision correction	12 or 24 months, as opted
Maternity and child-care cover	24 months
Global cover	24 months
Critical illness	90 days

Optional waiting-period reductions or changes must be selected and recorded in the policy schedule. The full policy wording controls exceptions.

General Health Alpha — Customer Information Sheet · Page 5 — Waiting period · accessed 29 Aug 2026Open official source ↗

Table 2 · 18 rows · 2 columnsSBI General Health Alpha — financial-limit optionsSub-limits, co-payment and deductible choices published in the Customer Information Sheet.View tableHide table

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SBI General Health Alpha — financial-limit options
Benefit or cost share	Published options
Road ambulance	₹2,500 / ₹3,500 / ₹5,000 / ₹10,000 / ₹20,000 / ₹50,000 / ₹1,00,000 per hospitalisation
Air ambulance	Up to ₹2 lakh / ₹3 lakh / ₹5 lakh / ₹10 lakh
Radio cab	₹500 / ₹750 / ₹1,000 / ₹1,500 / ₹2,500 / ₹3,000 per hospitalisation
Organ donor	25% / 50% / 75% / 100% of sum insured
Modern treatments	25% / 50% / 75% / 100% of sum insured
Home health care	25% / 50% / 75% / 100% of sum insured
Adventure sports	25% / 50% / 75% / 100% of sum insured
Reconstructive surgery	Up to ₹5 lakh
Prosthetics	Up to ₹5 lakh
Gender reassignment	Up to ₹10 lakh
Vision correction	Up to ₹50,000 / ₹1 lakh
Maternity expenses	Up to ₹50,000 / ₹75,000 / ₹1,00,000 / ₹2,00,000 / ₹3,00,000 / ₹5,00,000
Newborn baby care	Individual: up to mother’s sum insured; floater: up to policy sum insured
Child vaccination	Up to ₹3,000
Assisted reproduction treatment	Up to ₹1 lakh / ₹3 lakh / ₹5 lakh
Voluntary co-payment	10% / 20% / 30%, as specified in the policy schedule
co-payment	10% / 25%, as specified in the policy schedule
Voluntary deductible	₹10,000 / ₹20,000 / ₹30,000 / ₹40,000 / ₹50,000 / ₹1 lakh / ₹1.5 lakh / ₹2 lakh; annual aggregate or per claim

The labels these as selectable sub-limits and cost-sharing options. The policy schedule and complete wording control the chosen option and eligibility.

General Health Alpha — Customer Information Sheet · Pages 5–6 — financial limits, co-payment and deductible · accessed 29 Aug 2026Open official source ↗

General Health Alpha

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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