Arogya Top-up Policy
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SBI Arogya Top-Up Policy

SBI Arogya Top up Policy is a health insurance top-up policy that is designed to provide additional cover to policyholders when their standard health policy coverage is exhausted. The plan adds extra shield of protection at affordable premiums

Available on an individual and family floater sum insured basis, SBI Arogya Top-up plan overcomes the inflation over and above your existing basic health insurance plan and allows the insured to continue the treatment without worrying about the cost of treatment. The plan comes with an array of benefits that include in-patient hospitalisation, pre & post hospitalisation, ambulance cover, organ donor expenses, and domiciliary treatment etc.

In the section below explore more about the plan and its several features:

SBI Arogya Top-Up Policy Specifications

Entry Age

3 Months to 65 Years

Sum Insured

1 to 50 Lakhs

Plan Type

Individual/Family Floater

Policy Term

1 / 2 / 3 year

Initial Waiting Period

30 Days


Rs 1 Lakhs to Rs 10 Lakhs

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Choose your SBI Arogya Top-Up Plan

In-patient & Out-patient coverage

Room Rent


ICU Charges



Covered, up to 60 days


Covered, up to 90 days

Domiciliary Hospitalization


Daycare Treatment

141 Daycare procedures covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered


Not Covered

No Claim Bonus

Not Available

Automatic Restoration


Daily Hospital Cash

Not available

Organ Donor


Maternity Cover


New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment


IVF Treatment

Not Covered

Modern Treatment

12 Modern Treatment covered

Emergency Coverage



Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes


Not Covered

Health Check-Up

Available up to 5K

Second Medical Opinion

Not Covered


Not Covered



Not Applicable


Applicable for Mental Illness coverage

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under SBI Arogya Top-up Policy?

Under SBI Arogya Top-up Policy, the room rent is covered.

What are ICU Charges?

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under SBI Arogya Top-up Policy?

Under this plan, ICU charges are covered

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under SBI Arogya Top-up Policy?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under SBI Arogya Top-up Policy?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under SBI Arogya Top-up Policy?

Under SBI Arogya Top-up Plan, domiciliary hospitalizations are covered up to the reasonable and customary charges.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under SBI Arogya Top-up Policy?

This plan covers the expenses of 141 daycare procedures.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under SBI Arogya Top-up Policy?

The plan does not offer coverage against OPD expenses.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under SBI Arogya Top-up Policy?

Not Covered under the plan

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under SBI Arogya Top-up Policy?

Not Covered under the plan

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under SBI Arogya Top-up Policy?

The plan does not offer No-Claim Bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under SBI Arogya Top-up Policy?

Automatic Restoration of Sum Insured is available under the plan.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under SBI Arogya Top-up Policy?

The Daily hospital cash is not available under the plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under SBI Arogya Top-up Policy?

Under the plan, Organ Donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under SBI Arogya Top-up Policy?

Maternity expenses are covered after the first 9 months of the policy inception.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under SBI Arogya Top-up Policy?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under SBI Arogya Top-up Policy?

AYUSH treatment is covered under this plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under SBI Arogya Top-up Policy?

Not available

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under SBI Arogya Top-up Policy?

SBI Arogya Top-up covers 12 modern treatment procedures up to 50% of the sum insured.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under SBI Arogya Top-up Policy?

Ambulance expens up to INR 5K is covered per hospitalization.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under National Arogya Sanjeevani Plan?

No covered under the plan

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under SBI Arogya Top-up Policy?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under SBI Arogya Top-up Policy?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under SBI Arogya Top-up Policy?

Not available.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under SBI Arogya Top-up Policy?

Health Check-up benefit is available up to INR 5 K per insured only after 4 claim-free years.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under SBI Arogya Top-up Policy?

Not available.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under SBI Arogya Top-up Policy?

The plan does not cover vaccination cover.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under SBI Arogya Top-up Policy?

Co-payment is not applicable under the policy.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under SBI Arogya Top-up Policy?

Applicable for Mental Illness coverage.

Sample Illustration Of SBI Arogya Top-Up Plan

To understand how much premium you need to pay, we have illustrated some premiums with different sum insured options and different deductinles.

Let's take an example of an individual who is 30 years old and see how much premium he needs to pay for choosing the different sum insured and deductible amount

Deductible Choosen: 1 Lakh

Sum Insured (in Rs.) 10 Lakh 25 Lakh 50 Lakh
Premium (in Rs.) 3,009 3,673 4,197

Deductible Choosen: 5 Lakhs

Sum Insured (in Rs.) 10 Lakh 25 Lakh 50 Lakh
Premium (in Rs.) 663 872 1024

Deductible Choosen: 10 Lakhs

Sum Insured (in Rs.) 10 Lakh 25 Lakh 50 Lakh
Premium (in Rs.) 200 200 200

What is not Covered Under SBI Arogya Top-up Plan?

Injuries that take place because of war or warlike activities.

Any disease or illness that comes out within the initial 30 days of commencement of the plan except the accidental ones

Aesthetic and cosmetic treatment.

Any venereal diseases or sexually transmitted diseases.

Self-injuries and attempt to suicide.

Convalescence expenses.

Injuries occur because of nuclear weapons or radioactivity.

Medical treatments associated with weight loss, obesity, and weight management.

Injuries that took place under the influence of alcohol or drugs.

Explore SBI Arogya Top-up Policy

Know more about SBI Arogya Top-up Policy, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know SBI Health Claim Process.

Buying Process

Click to know SBI Health Buying Process.

Contact Us

Contact SBI Health to know more

Renewal Process

Click to know SBI Health Renewal Process.

Premium Calculator

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Explore other Sbi Health Plans

Comprehensive Plan

SBI Arogya Supreme

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Standard Plan

A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

Affordable Plan

SBI Retail Health Insurance Policy

A affordable health insurance plan that provides coverage of up to 5 Lakhs. The plan offers several add-on riders for enhanced coverage.

Unique Features

  • No pre-medical up to 45 years
  • Flexible plan options
  • Child care available

Comprehensive/ Family Floater Plan

A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.

Unique Features

  • 12 advanced treatment procedures
  • Auto reinstatement of Sum Insured
  • No pre medical up to 55 years

Critical Illness policy

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

Hospital Daily Cash

SBI Hospital Daily Cash Insurance Policy

The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Loan Insurance Policy

SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.

Unique Features

  • No Medical Tests required
  • Sum Insured of Rs.1 Crore
  • Available for a maximum of 3 years

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Health Insurance Articles

SBI Arogya Premier Policy: FAQ

1. Other than the above mentioned covergae, what else does SBI Arogya Top-up policy covers?

Along with the in-patinet hospitalization, the plan also covers HIV/AIDS, as well as offers coverage against Mental Illness.

2. Am I eligible to avail Tax Benefits under SBI Arogya Top-up plan?

Yes, the plan offers tax benefits as per the prevailing Income Tax laws.

3. How many times can I make claims under SBI Arogya Top-up plan?

The plan does not have any limitations on the number of claims made under SBI Arogya Top up Policy health insurance. However, the plan will only come in action when your exising plan is exhausted.

4. How many times I can make a claim under SBI Aroya Top-up Plan?

There is no limit on the number of claims under the SBI General Arogya Top-up Policy. However, your plan coverage would be exhausted once the collective claims reach the sum insured chosen by you.

5. Do I need to undergo any pre-medical checkup before buying the SBI Arogya Top-up policy?

No, you are not required to undergo a pre-acceptance medical checkup until the age of 55 years.

6. What Is The Renewal Process of the SBI Arogya Top-up Plan?

To renew your SBI Arogya Top-up policy, you need to follow the below-mentioned steps:

  • Go to the official website of the SBI General and click on 'Renew' under the 'Health' tab.
  • Enter the required details and click 'Go'.
  • The next page will show the summary details of your policy. Check it and make the payment.
  • Your policy will be renewed and its notification will be sent to your registered mobile number and email id.

7. What documents do I need to file a claim of SBI Arogya Top-up Policy?

The documents required for filing a claim under the SBI Arogya Top-up policy are:

  • Duly filled claim form
  • Photo ID
  • Hospital discharge card in original
  • Original prescriptions and other medical bills
  • Death certificate, if required

8. How many family members can be covered under Arogya Top-up Policy?

The family consisting of self, spouse, and dependent children can be covered under SBI Arogya Top-up policy on a family floater basis.

Read Reviews & Ratings

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June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

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June 7, 2022

I got the sbi general term insurance plan last year as I am concerned about my family. Such great plans. Great work.

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kuljeet singh


March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

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Dhiraj Khanna


February 17, 2022

This is a reliable company as they fulfill their promise to help during any medical emergency. I am satisfied with their services.

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Avantika Nagpal


October 12, 2021

Very amazing and helpful service offered by SBI Health. I am impressed by the way this company works.

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Rekha Tyagi


October 8, 2021

Well done SBI Health. You are doing a great job. Also, I wanna thank for your continuous support. Best of luck to both companies.

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Kuwali Rai


September 2, 2021

truly grateful for all the help received at PolicyX. the agents are smart, dont waste time and have good knowlege

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Vishwanber Sharma


September 1, 2021

Satisfied with the purchased plan. Will recommend others to invest too. Policy X team has guided, so thanks for that too

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