SBI Arogya Top-Up Policy

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.

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

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.

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.

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.

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.

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.

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?

Covid-19 Covered.

A common eye condition in which your vision gets blurred.

Coverage status under SBI Arogya Top-up Policy?

Not Covered under the plan

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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

Coverage status under SBI Arogya Top-up Policy?

Not available

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.

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.

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.

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.

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.

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.