Insurance

General Super Health

A comprehensive health plan with global medical treatment, unlimited reinstatement and annual health check-ups.

Policy typeComprehensive health insurance Sum insured₹3 lakh to ₹2 crore Eligibility ageAdults 18 years and above; children from 91 days

Official product page ↗Compare category

✓ Manually checked 23 Aug 2026 · active

SBI General Super Health 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 typeComprehensive health insuranceView source

General describes Super Health as comprehensive health insurance with inpatient and domiciliary hospitalisation and global medical treatment.

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

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Sum insured₹3 lakh to ₹2 croreView source

The official key-benefits table publishes sum insured from ₹3 lakh to ₹2 crore.

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

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Eligibility ageAdults 18 years and above; children from 91 daysView source

The official table lists adults from 18 years and children from 91 days.

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

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Waiting periods30 days for general illnesses; 1–2 years for specified diseases and pre-existing conditionsView source

The official table publishes a 30-day general waiting period and 1–2 years for specified diseases and pre-existing conditions.

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

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Key coverageInpatient and domiciliary hospitalisation, global medical treatment, unlimited re-insure benefit, annual health check-up, AYUSH, day care, ambulance and organ-donor expenses; lifelong renewabilityView source

The official page lists the coverage features and lifelong renewability.

Source: General Super Health
Page / section: What’s Covered Under Super Health Insurance?
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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Premium illustrationsThe current prospectus illustrates standard premiums (before loading and taxes) for a family of six: ₹71,373 floater / ₹81,488 separately insured at ₹5 lakh Elite; ₹85,974 / ₹1,06,590 at ₹10 lakh Premier; ₹1,05,731 / ₹1,35,496 at ₹15 lakh Platinum; and ₹1,67,682 / ₹2,31,976 at ₹50 lakh Platinum Infinite. These are illustrations, not a universal quote.View source

The prospectus states that the rates are standard premiums without loading and exclusive of applicable taxes, and identifies each plan and sum-insured illustration.

Source: Super Health Insurance — Prospectus and benefit illustration
Page / section: Pages 21–22 — Annexure I benefit illustrations
Accessed: 26 Aug 2026
Confidence: high

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Key exclusionsThe prospectus excludes investigation/evaluation, rest cure or custodial care, obesity surgery outside the stated clinical criteria, change-of-gender treatment (subject to the Transgender Persons Act), cosmetic or plastic surgery except qualifying reconstruction, professional hazardous sports, breach of law, excluded providers, alcohol/drug or substance abuse, wellness establishments, non-prescription dietary supplements, refractive error below 7.5 dioptres, unproven treatment, sterility/infertility and maternity unless the maternity option applies. Specific exclusions also include war, nuclear/chemical/biological attack and treatment outside India unless the selected plan covers it.View source

The prospectus says the actual policy wording controls the complete terms and lists the standard and specific exclusions in the general-exclusions section.

Source: Super Health Insurance — Prospectus and benefit illustration
Page / section: Pages 14–15 — General Exclusions and Specific Exclusions
Accessed: 26 Aug 2026
Confidence: high

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Free-look periodAt least 30 days from receipt of the policy documentView source

The current provides at least 30 days from receipt of the policy to review and return it if the terms are not acceptable.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 6 — Free Look Cancellation
Accessed: 26 Aug 2026
Confidence: high

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Pre-hospitalisation coverCovered for expenses incurred up to 60 days before hospitalisationView source

The lists pre-hospitalisation medical expenses covered up to 60 days before hospitalisation.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 1 — Scope of Cover
Accessed: 26 Aug 2026
Confidence: high

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Post-hospitalisation coverCovered for expenses incurred up to 90 or 180 days after hospitalisation, as selected in the policy scheduleView source

The lists post-hospitalisation medical expenses covered for 90 or 180 days after hospitalisation, depending on the selected option.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 1 — Scope of Cover
Accessed: 26 Aug 2026
Confidence: high

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Maternity waiting period48 months for a single adult on an individual basis; 24 months for other family combinationsView source

The specifies 48 months for a single adult on an individual basis and 24 months for other family combinations for maternity and related expenses.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 3 — Waiting Period
Accessed: 26 Aug 2026
Confidence: high

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Co-payment10% or 20% on each admissible claim after any applicable deductible, as specified in the policy schedule; optional OPD cover has additional 30% pharmacy/diagnostics and 20% consultation co-pay, while OPD dental and vision has 50% co-payView source

The current lists the base schedule co-pay and the additional co-pay rates for optional covers.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 4 — Co-Payment
Accessed: 26 Aug 2026
Confidence: high

Open official source ↗

Aggregate deductibleIf the aggregate-deductible option is selected, the insured bears the deductible shown in the policy schedule for all admissible claimsView source

The makes the aggregate deductible conditional on the option selected and the amount printed in the policy schedule; it does not publish one universal rupee amount.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 4 — Deductible
Accessed: 26 Aug 2026
Confidence: high

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Health-insurance moratoriumAfter 60 continuous months of coverage, claims and the policy generally cannot be contested for non-disclosure or misrepresentation except established fraud; enhanced limits restart the 60-month period for the enhanced portionView source

The defines a 60-month continuous-coverage moratorium and explains how it applies after a sum-insured enhancement.

Source: Super Health Insurance — Customer Information Sheet
Page / section: Page 6 — Moratorium Period
Accessed: 26 Aug 2026
Confidence: high

Open official source ↗

Policy termThe official product page publishes lifelong renewability but does not state one fixed policy-term duration; the issued policy schedule controls the period of cover.View source

The official key-benefits table says lifetime renewability and does not publish a universal fixed duration; the policy terms and issued schedule govern the policy period.

Source: General Super Health Insurance — official product page
Page / section: Key Benefits — Lifetime Renewability; policy terms disclaimer
Accessed: 29 Aug 2026
Confidence: high

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Geographic limitsInpatient and domiciliary hospitalisation, global medical treatment, unlimited re-insure benefit, annual health check-up, AYUSH, day care, ambulance and organ-donor expenses; lifelong renewabilityView source

The manually reviewed product record states: “Inpatient and domiciliary hospitalisation, global medical treatment, unlimited re-insure benefit, annual health check-up, , day care, ambulance and organ-donor expenses; lifelong renewability”.

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

Open official source ↗

Benefits and features

₹3 lakh to ₹2 crore sum insured
Global medical treatment
Unlimited re-insure benefit

Eligibility

Adults 18+
Children from 91 days

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.

TablePlan and sum insuredChoose column

Elite — ₹5 lakh · Separate individual policies₹81,488eighty-one thousand four hundred eighty-eight rupees

This value is copied from Super Health — prospectus premium illustrations. Check the table notes before relying on it.

Source: Super Health Insurance — Prospectus and benefit illustration · Pages 21–22 — Annexure I benefit illustrations Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 4 columnsSuper Health — prospectus premium illustrationsStandard premium illustrations for a family of six (2 adults, 2 dependent children and 2 dependent parents), before loading and applicable taxes.View tableHide table

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Super Health — prospectus premium illustrations
Plan and sum insured	Separate individual policies	Single policy, per-member sum insured	Family floater
Elite — ₹5 lakh	₹81,488	₹77,414	₹71,373
Premier — ₹10 lakh	₹1,06,590	₹1,01,261	₹85,974
Platinum — ₹15 lakh	₹1,35,496	₹1,28,721	₹1,05,731
Platinum Infinite — ₹50 lakh	₹2,31,976	₹2,20,377	₹1,67,682

These examples are not a quote; underwriting, loading, plan options, family composition and taxes can change the payable premium.

Super Health Insurance — Prospectus and benefit illustration · Pages 21–22 — Annexure I benefit illustrations · accessed 26 Aug 2026Open official source ↗

Table 2 · 17 rows · 2 columnsSuper Health — customer-information-sheet limitsSelected limits, waiting periods and cost-sharing terms copied from the current customer information sheet. Optional covers apply only when shown in the policy schedule.View tableHide table

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Super Health — customer-information-sheet limits
Cover or condition	Published value
Re-insure benefit	Unlimited reinstatement up to 100% or 200% of sum insured for subsequent claims in a policy year
Additional accident sum insured	2× base sum insured for inpatient hospitalisation following an accident
Domestic help / staff indemnity	Up to ₹50,000 or ₹1,00,000, as selected
Bariatric surgery	Up to ₹50,000 or ₹2,00,000, as selected
Child vaccination	Covered until the child completes 12 years of age
Pre-hospitalisation	Up to 60 days
Post-hospitalisation	90 or 180 days, as selected
Initial waiting period	30 days for illnesses; not applicable to accidents or continuous renewals
Specific disease waiting	12 or 24 months, as specified in the policy schedule
Pre-existing disease waiting	24 months
Maternity waiting	48 months for single adult individual; 24 months for other family combinations
Medical treatment abroad waiting	36 months
Hypertension, diabetes and cardiac waiting	30, 60 or 90 days with the selected Early Start add-on
Base co-payment	10% or 20% per admissible claim after deductible, as scheduled
co-payment	30% pharmacy/diagnostics and 20% consultation; dental/vision option 50%
Free-look period	At least 30 days from receipt of policy document
Moratorium	60 continuous months of coverage

The is a key-information summary; the policy wording and schedule control complete definitions, chosen options and exclusions.
Waiting periods can apply afresh to an enhanced sum-insured portion.

Super Health Insurance — Customer Information Sheet · Pages 1–4 and 6 — scope, financial limits, waiting, co-payment and policy conditions · accessed 26 Aug 2026Open official source ↗

General Super Health

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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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

Related products

SBI General Arogya Top-Up Policy

SBI General Bharat Griha Raksha

SBI General Car Insurance

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