Edelweiss Health Insurance vs SBI General Health Insurance

When you go shopping, do you buy the first item you see or sift through several of them before choosing one? You might buy something at first go, only if you have complete trust in the brand. In the same way, when you are looking for health insurance, it is vital to compare the different policies to find the right match or go for an insurance policy from an insurance company you know is well-established. This comparative guide of Edelweiss Health Insurance and SBI General Health Insurance will give you an idea of what to look for in a health insurance policy. 

Edelweiss Health Insurance vs SBI General Health Insurance – Overview 

ParameterEdelweiss Health InsuranceSBI General Health Insurance
No. of health insurance policies810+
E-servicesPolicy salePolicy renewal Claim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches10+22,000+
Claim settlement ratio (CSR)85.57%59.42%
Hospital network2,570+6,000+

Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – 2019-20. 

Health Insurance Policies: Edelweiss Health Insurance vs SBI General Health Insurance

Edelweiss Health Insurance offers 8 health insurance policies for individual, familial, maternal, senior citizen, and corporate group health needs. 

SBI General Health Insurance offers over 10 health insurance policies that cater to the needs of individuals, families, and senior citizens, among others. 

Individual and Family Floater Insurance: 

Edelweiss Health Insurance offers 3 health insurance policies for all-round individual or family healthcare. These include the:

  • Silver Plan
  • Gold Plan
  • Platinum Plan

These plans offer: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • Coverage for: 
  • Up to 180 days of pre-hospitalization expenses
  • Up to 180 days of post-hospitalization expenses
  • In-patient hospitalization expenses 
  • Domiciliary (home) hospitalization
  • Daycare treatments 
  • Organ donor expenses 
  • AYUSH treatments – 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Maternity care expenses 
  • Newborn baby care (as an add-on) 
  • Critical illness treatment 
  • Ambulance charges up to Rs. 10,000
  • Health check-up
  • Assistive services such as: 
  • Medical evaluation 
  • Medical monitoring
  • Second medical opinion
  • Emergency evacuation 
  • 100% restoration of the SI 
  • Recovery benefits of up to Rs. 1,500 per day

SBI General Health Insurance offers 4 Individual and Family Floater Policies: 

  • Arogya Plus 
  • Arogya Premier 
  • Group Health Policy
  • Retail Health Insurance 
  • Arogya Top-up 

They provide: 

  • SI up to Rs. 50,00,000 
  • Coverage for
  • Up to 60 days of pre-hospitalization expenses
  • Up to 90 days of post-hospitalization expenses 
  • In-patient hospitalization expenses  
  • Domiciliary hospitalization 
  • Nursing care expenses
  • 141 daycare procedures
  • Organ donor expenses
  • AYUSH treatments 
  • Maternity care needs 
  • 12 advanced technology treatments 
  • Pre-existing diseases (after 48 months) 
  • Congenital diseases 
  • Mental illnesses 
  • Genetic disorders 
  • HIV/ AIDS treatment 
  • Road/ air ambulance charges up to Rs. 1,00,000

Arogya Sanjeevani Policy: 

Edelweiss Health Insurance’s Arogya Sanjeevani Policy offers: 

  • SI up to Rs. 5,00,000
  • Coverage for
  • 30 days of pre-hospitalization 
  • 60 days of post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Daycare procedures 
  • AYUSH treatments  
  • Cataract treatment 
  • Pre-existing diseases after a 4-year waiting period
  • Ambulance charges up to Rs. 2,000 

SBI General Health Insurance’s Arogya Sanjeevani Policy offers: 

  • SI up to Rs. 5,00,000 
  • Coverage for
  • 30 days of pre-hospitalization 
  • 60 days of post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Nursing care expenses 
  • Daycare procedures 
  • AYUSH treatments  
  • Medicines and consumables 
  • Out-patient treatment 
  • Ambulance charges up to Rs. 2,000 

SBI General Health Insurance’s Arogya Sanjeevani Policy offers: 

  • SI amounts up to Rs. 5,00,000 
  • Coverage for
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Daycare procedures 
  • AYUSH treatments  
  • Organ donor expenses 
  • Expenses towards ambulance services up to Rs. 2,000 per hospitalization 

COVID-19 Insurance: 

Both Edelweiss Health Insurance and SBI General Health Insurance offer:

  1. The Corona Kavach Policy, which gives:
  • SI up to Rs. 5,00,000
  • Coverage for: 
  • 15 days of pre-hospitalization 
  • 30 days of post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • AYUSH treatment costs  
  • Comorbidity treatment 
  • Ambulance charges 
  1. The Corona Rakshak Policy, which gives: 
  • SI up to Rs. 2,50,000
  • 100% of the SI on:
  • The positive diagnosis of COVID-19 
  • Minimum continuous hospitalization for 72 hours or more
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