Arogya Top-up Policy
SBI Arogya Top-up Policy is a health top-up plan that offers the additional cover along with the basic health insurance plan. It is designed to overcome the inflation over and above your existing basic health insurance plan. The plan allows the insured to continue the treatment even when the basic health insurance limit gets exhausted.
|Entry age||30 months to 65 years|
|Sum assured||1 lac to 50 lacs|
|Policy tenure||1, 2 or 3 years|
SBI Arogya Top-up is a suitable tool to enhance the basic health insurance policy. The plan carries great features which are given below for your reference.
SBI Arogya Top-up Policy by SBI General Insurance Company is in demand because of the host of benefits that it offers. The plan is dedicated to offering additional protection that may arise because of inflated medical costs. It is an affordable yet effective option when it comes to having additional health protection. It might cost less as compared to investing in a new health insurance plan but the coverage is beyond your expectations. So, you never have to think about the insufficiency of basic health insurance and can get additional assistance whenever you need it.
Below is the list of required documents to buy SBI Arogya Top-up Policy:
The SBI Arogya Top-up Policy claim process is simple and quite similar to other health insurance plans by SBI General Insurance Company. In case you want to go for cashless hospitalization, you need to reach out the TPA along with the pre-authorisation form. You need to submit the same along with the ID proof to the TPA or the SBI General Insurance Company. The TPA will deal with the hospital bills directly. The TPA will collect all bills and proofs from the network hospital to process your case quicker.
In the case of reimbursement, the process is different. You have to pay for all the medical bills and can file a claim for reimbursement. To do that, you have to submit a few documents along with the claim form.
After submitting the required documents to the insured, the insurance company will start processing your claim settlement case. Once the company is done with the process, SBI executive will inform you about the acceptance or rejection of the claim. In case the claim gets rejected, you will receive the reason behind it. In case of the acceptance, the insurer will transfer the claim amount within 7 days.
Below is the list of required documents to claim the SBI Arogya Top-up Policy:
Yes, there is a loading charge of 5% in the premium for smoking, tobacco and alcohol habits.
SBI Arogya Top-up Policy offers options of deductible ranging from Rs 1,00,000 to Rs 10,00,000.
It is very easy to check the status of the policy when you are a registered user of the same. You have to log in to the official website of the company along with the policy details. After logging in, you can easily check the status anytime.
You can pay the premium for SBI Arogya Top-up Policy through online and offline modes. You can pay in cash by visiting any branch or make the online payment with the help of your debit card, credit card or through net banking.
Yes, portability is allowed under the SBI Arogya Top-up policy. You are allowed to port the health policy into the SBI Arogya Top-up Policy.
Yes, the sum insured is allowed to be reinstated on payment of pro-rata additional premium. However, the policyholder has to choose for this benefit at the time of the inception only.
Last updated on 30-12-2020