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SBI Arogya Top-Up Policy

This top-up policy is designed to provide additional coverage to polic ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
141+
Pan India presence
-%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,706 reviews
🏥 6,000+ hospitals
📊 2.03 solvency ratio
✅ -% claim settlement

About SBI Arogya Top-Up Policy

A quick read on what this SBI Health Insurance plan covers and why it might be a fit for you.

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 at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
3 Months to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹5 L, ₹10 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 / 2 / 3 year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient hospitalisation
  • Pre & post hospitalisation
  • Ambulance cover

Cons

  • Global coverage
  • Air ambulance
  • Compassionate visit
  • OPD cover unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Sample Illustration Of SBI Arogya Top-Up Plan

To help you understand the premium payable, we have illustrated sample premiums with different sum insured options and deductibles.

Let's consider a 30-year-old individual and illustrate the premiums for various sum insured and deductible amounts.

Deductible choice: 1 Lakh

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

Deductible choice: 5 Lakhs

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

Deductible choice: 10 Lakhs

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

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Injuries due to war or warlike activities.
  • Any disease or illness arising within the initial 30 days of policy commencement, except accidental injuries.
  • Aesthetic and cosmetic treatments.
  • Venereal diseases or sexually transmitted diseases.
  • Self-inflicted injuries and suicide attempts.
  • Convalescence expenses.
  • Injuries due to nuclear weapons or radioactivity.
  • Medical treatments for weight loss, obesity, and weight management.
  • Injuries sustained under the influence of alcohol or drugs.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 3 months to 65 years
  • SI: 1 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Other features & benefits

  • Organ donor expenses
  • Domiciliary treatment
  • Modern treatment

SBI Arogya Top-up Policy: FAQs

The 8 most-asked questions about SBI Arogya Top-Up Policy, answered.

Along with the inpatient hospitalization, the plan also covers HIV/AIDS, as well as offers coverage against Mental Illness.
Yes, the plan offers tax benefits as per the prevailing Income Tax laws.
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.
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.
No, you are not required to undergo a pre-acceptance medical checkup until the age of 55 years.
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.
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
The family consisting of self, spouse, and dependent children can be covered under the SBI Arogya Top-up policy on a family floater basis.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 7 Aug 2023 · Originally published: 15 Nov 2024

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