🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
When comparing Liberty General Health Insurance and SBI General Health Insurance, both providers offer a wide range of health plans catering to individuals, families, and senior citizens, along with benefits like cashless hospitalization, pre- and post-hospitalization cover, and a robust network of partner hospitals. Liberty General is often praised for its customer service and quick claim settlement ratio, while SBI General stands out for its comprehensive policy options, strong brand reputation, and higher claim settlement volumes. Premiums, waiting periods, add-ons, and specific policy features may differ, so it’s important to review the policy wordings and compare coverage details based on your personal requirements. Ultimately, both are reliable choices, but SBI General may appeal more to those seeking an established brand, while Liberty General can be attractive for those prioritizing seamless claims and customer support.
Author
Read Bio
Reviewed by
Read BioSelecting the right health insurance is a crucial decision for any Indian family or individual. With medical expenses constantly on the rise, health insurance from reputable insurers has become a necessity rather than a luxury. Two of the most popular names in this space are Liberty General Health Insurance and SBI General Health Insurance. Both have their own set of features, benefits, and unique selling points that are designed for the changing Indian healthcare landscape in 2025.
This article offers a comprehensive side-by-side comparison of Liberty General Health Insurance vs. SBI General Health Insurance. It includes strategies, claim processes, customer service, premiums, policy variations, online purchase experiences, add-ons, and real experiences from customers-all based on the most relevant information for 2025.
Liberty General Health Insurance is a well-known private sector insurance company that has been around since 2013. It is renowned for its innovative strategies, swift claim settlements, and exceptional digital services. Liberty has established itself as one of the most trusted general insurance companies in India with products that range from retail, group health, and top-up policies by 2025.
SBI General Health Insurance, a joint venture between the State Bank of India and Insurance Australia Group (IAG), was launched in 2010. By 2025, it will continue to be a household name for affordable health plans, strong rural outreach, and customer-centric processes, leveraging SBI’s credibility and reach.
Expert Insight: Both companies are regulated by the Insurance Regulatory and Development Authority of India (IRDAI), ensuring standard compliance and protection for policyholders.
Both insurances are intended to effectively cover your hospital costs and health risks. However, their product structure, claim ratios, service features, premium costs, and network hospitals can vary significantly. Let’s know their relative aspects below.
Parameter General Insurance Liberty General Insurance SBI General Insurance
| Parameter | Liberty General Insurance | SBI General Insurance |
|---|---|---|
| Founded | 2013 | 2010 |
| No. of Network Hospitals | 7,500+ | 6,000+ |
| Claim Settlement Ratio (2024-25) | 95.1 percent | 94.3 percent |
| Pre-existing Disease Waiting Period | 2-4 years | 3-4 years |
| Critical Illness Add-on | Yes (multiple options) | Yes (selected plans) |
| OPD Cover | Available as rider, in certain policies | |
| Maternity Benefit | Choose plans | Choose plans |
| Daily Hospital Cash | Yes (add-on) | Yes (add-on) |
| Family Floater Policy | Yes | Yes |
| Online Policy Purchase | Well designed portal | User friendly via SBI YONO, netbanking |
| Average Annual Premium (2A+2C)* | [?]15,500-[?]21,000 | [?]13,800-[?]20,100 |
| Top-up Plans | Available | Available |
| Free Health Checkups | Every 1-2 years claim-free | Every year claim-free |
2A+2C means 2 Adults, 2 Children cover, standard sum insured [?]5 lakh to [?]10 lakh.
(Statistics based on insurer disclosures for 2025)
Did You Know? Liberty General’s Maxima and SBI’s Arogya Supreme are some of the best-rated plans for urban families in 2025 India.
Liberty General Health Insurance has a number of distinguishing features:
Q: Does Liberty General Health Insurance cover day-care procedures?
Yes, most Liberty plans include more than 400 day-care treatments which do not require 24-hour hospitalization.
SBI General Health Insurance is defined by:
Q: How is the claim process in SBI General Health Insurance?
File a claim at any of the associated cashless hospital or online, pre-approval, and status tracking online or SBI branch.
Liberty General provides customized plans like Health Connect, Health Prime, and Health Joy. These vary from budget policies to high end policies with restoration and disease specific riders.
SBI General offers policies such as Arogya Supreme, Retail Health Insurance, and Critical Illness. These are designed to serve nuclear, joint, or single parent families.
Both insurers offer top-up and super top-up plans, which can be helpful for individuals who already have basic insurance but want to enhance their overall coverage at a reasonable cost. Super top-up plans are in demand for professionals who want to get more insurance after the pandemic.
SBI General’s group health product is more robust for SMEs and corporates and is often directly integrated with organizations for employee wellness.
Expert Insight:
You can compare health plans and calculate premiums on online insurance marketplaces to find the best fit among Liberty, SBI, and others within minutes.
Both companies offer rich add-ons:
Liberty, on the other hand, usually scores higher on flexible OPD and dental care add-ons. SBI is a notable feature of accident and critical care riders provided in most plans.
Q: Can I add my newborn or spouse during the policy year?
Most Liberty and SBI plans provide the option of adding new members mid-term with proper documentation.
In 2025, both companies have strong online purchase journeys:
Buyers can compare the important benefit illustrations, coverage, premium, add-ons, and read authentic user reviews on reliable aggregator platforms before making a choice. This ensures that customers are well-informed about deductibles, coverage limits, and renewal policies for both insurers.
Did you know?
Over 80 percent of new retail health policies sold by both companies in 2025 are purchased online, reflecting a change in how Indians buy insurance.
Amit and Rina Sharma, a working couple from Bengaluru, looked at both Liberty and SBI for a family floater in 2025. Liberty’s Health Prime plan provided faster claim processing and higher OPD cover but at a slightly higher premium of [?]18,800 per year compared to SBI’s Arogya Supreme at [?]16,900.
After checking out comparison tables and reading customer reviews on popular financial service websites, they decided to go with SBI because it offers a wider hospital network near their parents’ home in rural Karnataka. For additional dental care, they later went for a Liberty rider.
This example shows how consumer needs - such as network hospital reach, preferred add-ons, and premium - influence the final purchase decision.
Liberty General Health Insurance:
SBI General Health Insurance:
A tip: Always remember to keep hospital documents and review agreed sub-limits before hospitalisation to ensure smooth settlements from both insurers.
While the actual premiums vary based on age, location, medical history, and sum assured, here’s a rough estimate for a family of 4 (2 adults and 2 children) in metro India for a sum assured of [?]10 lakh in 2025:
Insurer Average Premium (2A+2C, [?]10 lakh SI)
Liberty [?]19,200
SBI General [?]17,800
Premiums may be higher for senior citizens or applicants with lifestyle diseases, and both brands offer long-term tenure discounts and wellness benefits such as annual checkups.
Q: Can I port from Liberty to SBI General or vice versa?
Yes, IRDAI has allowed all policyholders to port to another insurer at renewal without loss of waiting period benefits, subject to terms and underwriting.
Liberty has the largest network in urban areas with 7,500+ hospitals across the nation.
SBI General has a presence in 6,000+ hospitals with a strong presence in tier 2 and tier 3 cities.
Both companies handle cashless claims efficiently, but users should verify for empanelled hospitals before choosing a plan in their area.
Expert Tip:
If you are a frequent traveller or have dependents in multiple states, compare the network hospital list before buying the policy for hassle-free claim settlement.
Q: Who settles claims faster in 2025, Liberty or SBI?
Both are fast, with Liberty paying most claims within 4-6 working days and SBI within 7 days. Hospital documentation and policy sub-limits may impact customer experience.
Q: Can I have portable health insurance from SBI and Liberty?
Yes, under IRDAI’s portability rules (2025), you can switch between these insurers at renewal with waiting period credit.
Q: Do both insurers cover pre-existing diseases?
Yes, after a waiting period (usually 2-4 years), most pre-existing illnesses are covered according to policy wording.
Q: Which one is better online customer service, Liberty or SBI General?
Liberty has been a digital-first customer support innovator with WhatsApp integration while SBI General offers strong support through branches and its YONO app.
Q: Can I buy, renew or make claims from outside the country?
Indian policies require you to be treated in India, but you can buy and renew online from anywhere.
Liberty General Health Insurance and SBI General Health Insurance are both excellent options in 2025, each with slightly different features. Go for Liberty for top-notch urban digital services and add-ons, or SBI for value, trust, and comprehensive support for families across India. By comparing their products on impartial online marketplaces, you can find policies that best suit your health and financial needs.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users. Start your financial journey today!
