SBI General Insurance Launches ‘Health Alpha’: A Fully Customizable Health Plan with Unlimited Coverage Options
SBI’s New ‘Health Alpha’ Policy Redefines Personalized Health Insurance
In a move set to revolutionize the Indian health insurance sector, SBI General Insurance has introduced its latest health insurance offering — ‘Health Alpha’. The plan empowers policyholders to create fully customizable health insurance coverage tailored to their lifestyle, medical needs, and financial goals. With over 50 unique coverage options, the plan brings personalization and flexibility to the forefront of healthcare protection.
‘Health Alpha’ offers coverage starting from ₹5 lakh and extends up to unlimited sum insured, giving customers freedom to design a plan that fits their needs precisely. Policyholders can also opt for a long-term coverage period of up to five years, allowing them to enjoy premium discounts while safeguarding themselves from rising medical inflation.
Key Features of SBI Health Alpha
The ‘Health Alpha’ plan comes with several innovative and first-of-its-kind benefits in India’s health insurance landscape.
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Cumulative Bonus up to 10X:
The plan offers a cumulative bonus up to 10 times the original insured amount for every claim-free year. This means policyholders who don’t file claims can significantly increase their total coverage over time — a rare feature in most health insurance plans. -
Coverage for Fitness and Sports Injuries:
One of the plan’s standout features is its coverage for gym and sports-related injuries. It includes OPD consultations, diagnostics, and physiotherapy expenses, offering comprehensive protection for individuals with active lifestyles. -
Flexible Family Inclusion:
Policyholders can easily add new family members — such as a spouse or newborn — without restarting the waiting period, ensuring continuous coverage for growing families. -
Wide Age Eligibility:
The plan is open to adults starting from 18 years, while dependent children can be covered from 91 days up to 25 years of age, making it ideal for nuclear and extended families alike. -
Attractive Discounts and Long-Term Benefits:
Customers who purchase the policy within five days of proposal submission can avail a 5% welcome discount. The long-term options not only make coverage more cost-effective but also protect against future increases in healthcare costs.
A New Benchmark in Health Insurance Innovation
Speaking on the launch, Mohammad Arif Khan, Deputy CEO of SBI General Insurance, stated:
“Health Alpha is not just another health insurance product; it’s a game-changer designed to transform how people view and manage their health coverage. It brings simplicity, accessibility, and personalization together to deliver exactly what customers need in today’s fast-changing medical environment.”
He further emphasized that the plan’s goal is to make health insurance more user-centric and flexible, empowering every individual to take charge of their and their family’s well-being.
Designed for a New Generation of Health-Conscious Customers
With the rise in lifestyle diseases and medical expenses, the demand for flexible and comprehensive health coverage has increased significantly. Health Alpha addresses these concerns by offering a modular design, where customers can select only those covers that truly matter to them — from maternity and mental health benefits to home healthcare and wellness packages.
This modular structure ensures affordability without compromising protection, allowing people from all income groups to access advanced healthcare solutions.
Competitive Advantage and Industry Impact
Health Alpha’s introduction marks a significant shift in the Indian insurance market, where personalization has often been limited. With its combination of unlimited coverage, customizable add-ons, and lifestyle-linked benefits, the product is poised to set a new standard in customer-focused insurance.
Experts believe this launch could prompt other insurers to adopt similar flexible structures, ultimately making healthcare protection more transparent and adaptive to individual needs.
Final Takeaway
SBI General Insurance’s Health Alpha isn’t just an insurance plan — it’s a personal health protection system built for modern consumers who value flexibility, coverage, and control. Whether you’re a fitness enthusiast, a young parent, or someone planning long-term healthcare security, this plan offers the freedom to design your own protection with unmatched flexibility and peace of mind.
