Get A Next-Gen Health Plan
With Health Alpha!
24Cr+
Customers Served
16,625
Network Hospitals
98%*
Claims Settled FY 23-24
What Is Health Alpha?
SBI General Health Alpha is a comprehensive retail health product designed to cater to the diverse needs of all generations, including senior citizens, millennials, and Gen Z. With its extensive Sum Insured range, this plan is perfectly suited for individuals across various income groups, from HNI to the middle-income segment.
Opting for Health Alpha not only provides essential health coverage but also serves as an income-saving option when chosen for the long term. Its unique features offer protection during critical moments while promoting a healthier lifestyle.
Crafted for today’s empowered customer, this customizable plan allows you to build your health insurance according to your specific needs. You can select from essential coverage options and enhance your plan with modern, lifestyle-specific benefits that resonate with your lifestyle.
Health Alpha offers a wide range of coverage options, allowing individuals to tailor coverage to their needs. The product features two mandatory Base covers, from which one must be selected, along with 35 optional covers that allow for further customization.
Experience the flexibility and protection of SBI General Health Alpha, and take control of your health insurance journey today!
Key Benefits of Health Alpha
| Key Features | Description |
|---|---|
| Minimum Entry Age | Adult: 18 years - Dependent Child: 91 Days to 25 years |
| Maximum Entry Age | For Hospitalization Cover: No Limit, For Personal Accident: 65 Years |
| Sum Insured | ₹5 Lakh to Unlimited SI* |
| Premium | Varies based on sum insured, age and plan variant |
| Renewability | Lifelong |
| Policy Term | 1 year to 5 years |
| Free Look Period | 30 days from the date of receipt of the policy document |
| Tax Benefit | Eligible for tax benefits under Section 80D of the Income Tax Act |
*Please ensure you read the policy terms and conditions in detail before buying your plan.
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What’s Covered Under Health Alpha?
In Patient Treatment
Comprehensive coverage for medical expenses incurred during hospitalization, including room rent, nursing charges, ICU charges, and other related expenses.
Pre-Hospitalization
Covers medical expenses incurred up to a specified number of days prior to hospitalization. This includes diagnostic tests, consultations, and medications.
Post Hospitalization
Provides coverage for medical expenses incurred up to a specified number of days after being discharged from the hospital. This includes follow-up consultations, diagnostic tests, and medications.
Day Care Treatment
Coverage for medical treatments and procedures that do not require an overnight hospital stay. This includes surgeries and other advanced treatments performed in a day care setting.
AYUSH Treatment
Provides coverage for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems of medicine.
Modern Treatment
Includes coverage for advanced medical treatments and procedures, such as robotic surgeries and stem cell therapy.
Road Ambulance
Covers the expenses of using an ambulance service for transporting the insured person to the hospital during an emergency.
Organ Donor
Covers the medical and surgical expenses related to the harvesting of an organ from a donor for the insured person’s transplantation.
Domiciliary Treatment
Covers the costs of treatment at home when hospitalization is not possible due to the patient’s condition or unavailability of hospital beds.
Home Health Care
Provides coverage for healthcare services received at home, including nursing care and physiotherapy.
Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBI Health Alpha. People are advised to go through the policy wordings carefully before buying the plan.
What’s Not Covered Under Health Alpha Insurance?
Investigation & Evaluation- Rest Cure, rehabilitation, and respite care
- Obesity/ Weight Control
- Change of Gender treatments
- Cosmetic or Plastic surgery
- Hazardous or Adventure sports
- Breach of law
- Excluded Providers
- Substance Abuse and Alcohol
- Wellness and Rejuvenation
- Dietary Supplements & Substances
- Refractive Error
- Unproven Treatments
- Sterility and Infertility
- Maternity (Not Applicable if 'Maternity Expenses' benefit is opted)
Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to policy wordings.
How To Buy Health Alpha Insurance Online?
Input your mobile number, name, and pin code, and click ‘Proceed.’
1
Select insured members, choose a plan, select the sum insured, and needed coverages.
2
Input all the details, such as proposer details, EIA, nominee details, etc.
3
You can pay online and get your policy right away in your inbox.
4
How to File Your Health Insurance Claim
Cashless Facility
Procedure
Pre- Authorization
Process
Cashless Treatment
Admission
Claim
Settlement
Hospital Discharge
Guidelines
Health Claim
Submission
Document
Submission
Claim
Settlement
Health Alpha Is Best Suited For
Coverage That Fits Your Lifestyle
Coverage That Fits Modern Living
Exclusive Upgrades for SBI Health Customers
Innovative Plans, Exclusive Discounts
FAQs About Health Alpha
- There are 2 plans available with SBI General Health Alpha – Alpha Select & Alpha Ultimate.
Alpha Select is a basic plan with limited options of Sum Insured, coverages and limits compared to Alpha Ultimate. The target market segment for both plans is as follows:
Alpha Select- 1. Early Entrance up to age group 45 years.
- 2. Population based out in Tier 2 cities
- 1. All set of population (Middle & HNI)
- 2. Population based out across India
Yes, cross-combination of parents and parents-in-law considering it as a UW referral, will be allowed under Family Floater. However, a maximum of 4 adults will be allowed in a single policy.
Maximum 4 adults can be covered under Family Floater Policy.
Any number of children can be covered in a Family Floater Policy.
Dependent children can be covered from 91 days and up to 25 years of age. If a child at the age of 18 is financially independent, he/she will not be covered with parents on subsequent renewals.
Policy is available for 1 year, 2 years, 3 years, 4 years and 5 years.
Product Name : SBI General Health Alpha
PRODUCT UIN
SBIHLIP26038V012526
DISCLAIMER:
The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Number of network hospitals would differ based on the TPA servicing your policy.
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Policy Documents
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Mission
Our mission is to provide simple and innovative general insurance solutions, be responsive to our customers' needs and build a sustainable business for the future.
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