SBI General health insurance review
What their own claim record says, and which of their plans is worth your money.
SBI General settles 95.94% of claims and draws 14.04 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI disclosures. That is 4 of the 10 insurers we track in this category on settlement ratio. We review 1 of their health insurance plan; Super Health Platinum Infinite scores highest at 4.1/5.
- Claim settlement ratio
- 95.94%
- Complaints per 10,000 claims
- 14.04
- Settlement rank
- 4 of 10
- Our insurer score
- 3.79 / 5
- Book size
- ₹4,974.56 Cr
SBI General health insurance plans we rate
| Plan | Score | Cover |
|---|---|---|
| Super Health Platinum Infinite | 4.1 / 5 | ₹50 L – ₹2 Cr |
- Super Health Platinum Infinite — The most feature-complete plan on this list and, unavoidably, the most expensive. The two features worth paying for are the 2-year pre-existing disease wait and restoration from the first claim — both directly reduce the odds of a claim being declined in the early years. That combination makes it worth a serious look if you are covering parents with existing conditions, where the third waiting year is a genuine risk. For a healthy 25-year-old it is dramatic overkill; Activ One MAX does the job for a quarter of the price.
What the claim record means
A settlement ratio is the share of claims an insurer paid in a year. It is the single most useful number about a company, and also the most easily misread: a high ratio on a small book says less than the same ratio on a large one, and it says nothing about how long a claim took or how hard it was to get paid. That is why we read it beside complaint volume — SBI General draws 14.04 complaints per 10,000 claims — rather than on its own.
Both figures are fy 2024–26 (3-year average) from IRDAI Annual Report, insurer public disclosures & policy wordings. See how we score plans and insurers.
Frequently asked questions
What is SBI General's claim settlement ratio?
95.94%, as fy 2024–26 (3-year average) from IRDAI disclosures. That ranks 4 of the 10 insurers we track in this category. SBI General draws 14.04 complaints per 10,000 claims.
Is SBI General good for health insurance?
We rate 1 SBI General plan in this category. SBI General Super Health Platinum Infinite scores highest at 4.1/5. The most feature-complete plan on this list and, unavoidably, the most expensive. The two features worth paying for are the 2-year pre-existing disease wait and restoration from the first claim — both directly reduce the odds of a claim being declined in the early years. That combination makes it worth a serious look if you are covering parents with existing conditions, where the third waiting year is a genuine risk. For a healthy 25-year-old it is dramatic overkill; Activ One MAX does the job for a quarter of the price.
How many complaints does SBI General get?
14.04 complaints per 10,000 claims, fy 2024–26 (3-year average) from IRDAI's public grievance disclosures. Lower is better.
Compare SBI General with other insurers
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.