SBI General Insurance, one of India’s leading general insurers, has announced the launch of “Health Alpha”, a next-generation health insurance product that allows customers to design their own policy with unmatched flexibility and coverage options.
Touted as the first major industry launch post-GST reform, Health Alpha offers over 50 coverage combinations and introduces features such as 10x Cumulative Bonus, Gym & Sports Injury Cover, and Endless Sum Insured — setting new benchmarks for personalization in health insurance.
The plan offers a wide sum insured range from ₹5 lakh up to unlimited coverage, with long-term options of up to five years and attractive tenure-based discounts. Entry age starts from 91 days for children and 18 years for adults, with no upper age limit.
Key highlights include:
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10x Cumulative Bonus: Get up to 10 times the base cover for every claim-free year.
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Endless Sum Insured: Lifetime benefit for single hospitalizations exceeding the base coverage.
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Unlimited Sum Insured: No cap on claims, subject to policy terms.
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Gym & Sports Injury Cover: First-of-its-kind add-on covering OPD costs for fitness or sports injuries.
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Plan Ahead: Transfers waiting period continuity to spouse or newborn within 120 days of marriage or childbirth.
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Welcome Discount: 5% discount for purchases made within five days of quote generation.
“Health Alpha isn’t just another health policy — it’s a step towards truly personalized, affordable, and future-ready healthcare protection,” said Mohd. Arif Khan, Deputy CEO, SBI General Insurance. “It reflects our commitment to customer-centric innovation in a rapidly evolving insurance landscape.”
The plan also includes comprehensive benefits such as pre- and post-hospitalization coverage, AYUSH treatments, day-care procedures, critical illness cover, and global medical protection — all available as flexible add-ons.
With Health Alpha, SBI General Insurance aims to strengthen its position in the retail health insurance market by offering unprecedented flexibility, transparency, and customer empowerment in the post-GST era.
