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SBI General Insurance

Travel Insurance (Business & Holiday)

By SBI General Insurance — 70% owned by State Bank of India

₹500

Indicative premium for a 15-day international trip with $50,000 medical cover. Actual premium varies by destination, age, sum insured, and trip type chosen.

$5,00,000
Max Sum Insured
88.7%
Claim Settlement Ratio
24x7
Travel Assistance Helpline
70 Years
Maximum Entry Age
2
Plan Types: Business & Holiday

Plan Highlights

What makes SBI General Travel Insurance stand out from the competition

24x7 International Travel Assistance

A round-the-clock helpline ensures you can reach support for medical emergencies, lost documents, or travel disruptions anywhere in the world.

Business and Holiday Variants

Choose the plan tailored to your travel purpose — Business for corporate trips and Holiday for leisure, both with similar core benefits.

Single Trip & Multi Trip Options

Both Business and Holiday plans are available as Single Trip (1-180 days) or Multi Trip annual policies for frequent travellers.

Medical Evacuation & Repatriation

Covers the cost of emergency medical evacuation and repatriation back to India in case of serious illness or injury abroad.

Backed by SBI's Trusted Network

As a subsidiary majority-owned by State Bank of India, the insurer offers the credibility and reach of India's largest bank.

Trip Cancellation, Curtailment & Delay

Reimburses pre-paid trip costs for cancellation, covers unused costs on curtailment, and offers benefits for trip delays.

Accidental Death & Disability Cover

A lump-sum payout is provided in case of accidental death or permanent disability while travelling.

Easy Claim Settlement Process

Leverages SBI's wide banking and service network to make claims documentation and settlement straightforward for policyholders.

Detailed Coverage

A comprehensive look at what is and is not covered under SBI General Travel Insurance

Coverage FeatureDetailsStatus
Emergency Medical TreatmentUp to $5,00,000Fully Covered
Hospitalisation (Accident & Sickness)In-patient treatment abroadCovered
Medical Evacuation & RepatriationEmergency evacuation to nearest facility or IndiaCovered
Dental EmergencySudden acute dental pain reliefCovered
Trip CancellationReimbursement of pre-paid costsCovered
Trip Interruption/CurtailmentCovers unused trip costsCovered
Missed ConnectionLimited coverage for missed connecting flightsLimited Cover
Flight DelayTrip delay benefitCovered
Baggage DelayReimbursement of essential purchasesCovered
Loss of Checked BaggageCompensation for permanent lossCovered
Loss of PassportCost of obtaining duplicate passportCovered
Personal Accident (Death/Disability)Lump-sum payoutCovered
Personal LiabilityThird-party liability coverCovered
Hijack CoverNot specified as a standalone benefitNot Covered
Daily Cash for HospitalisationNot a standard benefitNot Covered
Pre-existing DiseasesEmergency stabilisation onlyNot Covered
Adventure SportsExcluded under standard planNot Covered
COVID-19 CoverTreatment expenses includedCovered

Who Should Buy SBI General Travel Insurance?

This plan is best suited for the following profiles

SBI Bank Customers

Existing SBI customers may find it convenient to manage their travel insurance through a familiar, trusted banking relationship.

Business Travellers

The Business variant is designed for corporate travellers who need reliable medical and trip-related cover for work trips abroad.

Families and Holiday Travellers

The Holiday variant suits leisure travellers, with entry from 6 months of age making it suitable for families travelling with infants.

Travellers Wanting PSU-Backed Reliability

Those who prefer the assurance of a government bank-backed insurer with a wide service network across India will find this plan reassuring.

Pros and Cons

An honest assessment of SBI General Travel Insurance

Advantages

  • Sum insured up to $5,00,000
  • Backed by State Bank of India's trust and network
  • Both Single Trip and Multi Trip (annual) options available
  • Separate Business and Holiday variants for different needs
  • 24x7 international travel assistance helpline
  • Covers medical evacuation, repatriation, and accidental death/disability
  • Entry age from 6 months, suitable for families

Disadvantages

  • 88.7% claim settlement ratio is lower than several private peers
  • No hospital daily cash benefit
  • Pre-existing diseases not covered except emergency stabilisation
  • Adventure sports are excluded under the standard plan
  • Maximum entry age capped at 70 years
  • No standalone hijack cover benefit

Frequently Asked Questions

Common queries about SBI General Travel Insurance

SBI General Travel Insurance offers a sum insured ranging from $50,000 to $5,00,000 across both the Business and Holiday variants, available as Single Trip or Multi Trip (annual) plans.
Both the Business and Holiday plans offer similar core medical and trip-related covers. The Business plan is tailored for frequent corporate travellers, while the Holiday plan suits leisure travellers. Both are available as Single Trip (1-180 days) or Multi Trip (1 year) policies.
No, pre-existing diseases are not covered under SBI General Travel Insurance except for emergency stabilisation in life-threatening situations while abroad.
SBI General Travel Insurance can be purchased for travellers aged 6 months to 70 years, making it accessible for families travelling with infants as well as senior travellers up to 70.

Not sure if SBI General Travel Insurance is right for you?

Our IRDAI-licensed advisors compare all travel plans and help you choose the right cover for your business or holiday trip - completely free of charge.

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Compare with Other Plans

See how SBI General Travel Insurance stacks up against other top travel insurance plans