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SBI Arogya Top-up Policy is a health insurance top-up policy designed to provide additional coverage to policyholders when their standard health policy coverage is exhausted. The plan adds an extra shield of protection at affordable premiums.
Available on an individual and family floater sum insured basis, the SBI Arogya Top-up plan overcomes inflation over and above your existing basic health insurance plan. It allows the insured to continue treatment without worrying about the cost. The plan comes with an array of benefits that include in-patient hospitalisation, pre & post-hospitalisation, ambulance cover, organ donor expenses, and domiciliary treatment.
Explore more about the plan and its features below:
| PLAN DETAILS |
Arogya Top Up Policy |
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Koti Suraksha Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
6000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 3 Months to 65 Years | Minimum: 18 years Maximum: 65 years |
| Plan Premium Entry Age and S/A | 200 | 11285 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/Family Floater | Individual/Family Floater |
| Plan Sample Premium | 200 | 11285 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | - | 95.30 |
| Solvency Ratio | 2.03 | 2.00 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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