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SBI General · SBIHLIP26038V012526

SBI General Health Alpha

SBI General Health Alpha (IRDAI UIN SBIHLIP26038V012526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 3 crore (16 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 Health Alpha is a health insurance plan from SBI General. Key specifications: plan type Individual and family floater, room rent Up to actuals or Single Private AC Room or Twin Sharing Room, as opted, pre-existing disease waiting 24 months.

Sample premium ₹7,219 a year*

*For: Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart.. Your premium will differ.

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

Pros

  • Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7.5 lakh, 10 lakh, 12.5 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 250 lakh, 3 crore
Highest sum insured 300 lakh
Entry age From 91 days (no maximum stated)
Room rent Up to actuals or Single Private AC Room or Twin Sharing Room, as opted
Co-payment None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)

Waiting periods

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

Benefits

Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Optional: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount
No-claim bonus Cumulative Bonus 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount
Maternity Optional cover (ages 18-45), 24-month waiting period
OPD Optional OPD Cover section

Premium

Sample annual premium ₹7,219
Sample premium is for Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart.

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 SBIHLIP26038V012526

About the Health Alpha

SBI General Health Alpha (IRDAI UIN SBIHLIP26038V012526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 3 crore (16 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: 5 lakh, 7.5 lakh, 10 lakh, 12.5 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 250 lakh, 3 crore
  • Entry age: From 91 days (no maximum stated)
  • Room rent: Up to actuals or Single Private AC Room or Twin Sharing Room, as opted
  • Co-payment: None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)

Waiting periods

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

Benefits

  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Optional: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount
  • No-claim bonus: Cumulative Bonus 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount
  • Maternity: Optional cover (ages 18-45), 24-month waiting period
  • OPD: Optional OPD Cover section

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.

Premium

It depends on your age, cover, city and options. SBI General's own published premium table gives ₹7,219 a year for this profile: Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart. Your premium will differ; 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 Health Alpha

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Aditya Birla Health

Activ One NXT

  • Individual and family floater Plan type
  • No capping - actuals up to base sum insured Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

ICICI Lombard

Health AdvantEdge

  • Individual and family floater Plan type
  • 1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare Premier

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Zurich Kotak

Health Premier

  • Individual and family floater Plan type
  • No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

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 Health Alpha

Questions

Health Alpha FAQs

It depends on your age, cover, city and options. SBI General's own published premium table gives ₹7,219 a year for this profile: Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart. Your premium will differ; get a quote from the insurer.

SBIHLIP26038V012526. 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: Up to actuals or Single Private AC Room or Twin Sharing Room, as opted.

Co-payment as stated by the insurer: None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay).

Maternity as stated by the insurer: Optional cover (ages 18-45), 24-month waiting period.

5 lakh, 7.5 lakh, 10 lakh, 12.5 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 250 lakh, 3 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

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