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SBI General · SBIHLIP24141V022324

SBI General Super Health - Platinum

SBI General Super Health - Platinum (IRDAI UIN SBIHLIP24141V022324) is an individual and family floater health insurance plan with sum insured from 10 lakh to 50 lakh (7 options). Pre-existing diseases are covered after 2 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

SBI General Super Health - Platinum is a health insurance plan from SBI General. Key specifications: plan type Individual and family floater, room rent Actuals up to Sum Insured, pre-existing disease waiting 24 months.

Premium depends on your profile
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Plan type
Individual and family floater
Room rent
Actuals up to Sum Insured
Pre-existing disease waiting
24 months

Pros

  • Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • Specific illnesses covered after 1 year, sooner than 89% of the 46 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh
Highest sum insured 50 lakh
Entry age From 91 days (no maximum stated)
Room rent Actuals up to Sum Insured
Co-payment None (optional 10%/20%)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 24 months
Specific illness waiting 12 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
No-claim bonus Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 200% (reduced in same proportion if claim settled)
Maternity Covered up to INR 50,000 (normal) / INR 75,000 (C-section); waiting 48 months single adult, 24 months other family combinations
OPD Covered: single adult INR 5,000; other family combinations up to INR 10,000/family

Insurer

Health incurred claim ratio (insurer) 82.19%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 18,000+
IRDAI UIN SBIHLIP24141V022324

About the Super Health - Platinum

SBI General Super Health - Platinum (IRDAI UIN SBIHLIP24141V022324) is an individual and family floater health insurance plan with sum insured from 10 lakh to 50 lakh (7 options). Pre-existing diseases are covered after 2 years. It is one of 53 health insurance plans on Comparezi, from SBI General.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh
  • Entry age: From 91 days (no maximum stated)
  • Room rent: Actuals up to Sum Insured
  • Co-payment: None (optional 10%/20%)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 2 years
  • Specific illnesses: 1 year

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
  • No-claim bonus: Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 200% (reduced in same proportion if claim settled)
  • Maternity: Covered up to INR 50,000 (normal) / INR 75,000 (C-section); waiting 48 months single adult, 24 months other family combinations
  • OPD: Covered: single adult INR 5,000; other family combinations up to INR 10,000/family

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 1 has a shorter one and 7 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. SBI General does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

SBI General's health incurred claim ratio was 82.19% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. SBI General states a network of 18,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from SBI General

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Super Health - Platinum

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Bajaj General

Health Guard - Gold Plan

  • Individual and family floater Plan type
  • SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Narayana Health

Arya Health Insurance

  • Individual and family floater Plan type
  • At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

SBI General

Health Alpha

  • Individual and family floater Plan type
  • Up to actuals or Single Private AC Room or Twin Sharing Room, as opted Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹7,219 a year*

SBI General

Super Health - Elite

  • Individual and family floater Plan type
  • Actuals up to Sum Insured Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Super Health - Platinum

Questions

Super Health - Platinum FAQs

It depends on your age, cover, city and options. SBI General does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

SBIHLIP24141V022324. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

2 years, as stated by the insurer.

Room rent as stated by the insurer: Actuals up to Sum Insured.

Co-payment as stated by the insurer: None (optional 10%/20%).

Maternity as stated by the insurer: Covered up to INR 50,000 (normal) / INR 75,000 (C-section); waiting 48 months single adult, 24 months other family combinations.

60 days before and 90 days after hospitalisation.

10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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