Arogya Top-up Policy
  • Enhance Your Coverage
  • Know the Eligibility of this Plan
  • Explore the Key Features

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SBI Arogya Top-up Policy

SBI Arogya Top-up Policy is designed to offer additional coverage to the policyholder in case of a medical emergency. The plan comes into action when the coverage of the basic health insurance plan is exhausted due to the claims made.

This Top-Up Health 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.

SBI Arogya Top-Up Policy allows you to meet your healthcare needs, that too at affordable premiums. The plan is available for any individual as well as for his family.

Let's explore more about the plan:

Eligibility Criteria of SBI Arogya Top-up Policy

Entry age 3 months to 65 years
Sum assured Rs 1 Lakhs to Rs 50 Lakhs
Policy tenure 1, 2 or 3 years
Deductible Rs 1 Lakhs to Rs 10 Lakhs

**Last Updated on 29-04-2021

Key Features SBI Arogya Top-up Policy

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:

  1. Cashless Treatment

    SBI Arogya Top-up Policy allows you to grab the cashless facility at SBI partnered network hospitals (6000+). Under the same, you don't have to spend any amount on the hospital bills; the plan will take care of the same on your behalf.

  2. Co-Payment & Deductible

    Co-payment is a process under which you have to pay a part of the hospital bill while filing the claim. Under the SBI Arogya Top-up policy, there is no co-pay clause. However, there is a clause related to the deductible which needs to be exhausted before you file any claim.

  3. No-medical Check-Up

    It does not ask for any pre-acceptance medical checkup to get insured until the age of 55 years.

  4. AYUSH Benefits:

    The plan also provides coverage against alternative treatment which includes ayurvedic, Unani, or homeopathy, taken in a government hospital up to the sum insured limit.

  5. Domiciliary Hospitalization

    SBI Arogya Top-up Policy is there to cover all expenses related to domiciliary hospitalisation (treatment at home) that takes place due to any genuine reason.

  6. Restoration of The Sum Insured

    It is an exclusive feature that allows the 100% restoration of the sum insured. You might have to pay an additional premium to avail of this benefit.

  7. Discounts

    The plan offers a discount on choosing a family floater option or insuring for a long tenure.

  8. Tax Benefits

    The plan also comes out with tax benefits under section 80D of the Income Tax Act, 1961 for the premiums that you pay towards keeping your policy active. Maximum tax exemption- Rs.25,000 for self, dependent children & spouse, Rs.25,000 for parents and Rs.50,000 for old-age parents.

Sample Illustration of SBI Arogya Top-Up Plan

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

Deductible (In Rs.) Sum Insured Options (in Rs.)
10 Lakhs 25 Lakhs 50 Lakhs
1 Lakhs 3,009 3,673 4,197
5 Lakhs 663 872 1,024
10 Lakhs 200 200 200

**Last Updated on 29-04-2021

Graph Representing the Premium payable by an Individual Under SBI Arogya Top-up Plan:

Premium Rates of SBI Arogya Top-up Policy

Premium Rates of SBI Arogya Top-up Policy

What Is Covered Under SBI Arogya Top-Up Plan?

In-patient Hospitalization Covered
Pre-Hospitalization Expenses Covered, up to 60 days
Post-Hospitalization Expenses Covered, up to 90 days
Day Care Expense Covers up to 141 daycare procedures.
Maternity Expenses Covered after first 9 months
Ambulance Expense Available up to Rs. 5000 per event
Domiciliary Hospitalization Available
Alternative Treatment Covers the Allopathic treatment or Modem medicines and includes Ayurveda, Unani, Sidha and Homeopathy (AYUSH)
HIV/AIDS Cover Covered, up to Rs.1,00,000 except for the conditions which are permanently excluded
Mental Illness Cover Covered, up to Rs.1,00,000
Genetic Disorder Covered, up to Rs.1,00,000
Internal Congenital Diseases Covered up to the Limit of Rs. 10% of Sum Insured.
Waiting Period
Pre-existing Diseases 48 Months
First Thirty Days Period 30 Days, except for accidents
Certain Specific Illnesses 12 Months & 90 Days

**Last Updated on 29-04-2021

What Is Not Covered Under SBI Arogya Top-Up Plan?

  • Injuries that take place because of war or warlike activities.
  • Any disease or illnesses that come 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.
  • 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.
  • Self-injuries and attempt to suicide.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (18 Total Rating)

April 29, 2021

Meenal Varun Joshi


If you are looking for an ideal health insurance company, SBI is the name. One of the best health insurance company I have come across. Go for this company without any second thoughts. One of my best decisions.

April 29, 2021

Rakesh Koul


I am in love with this company. From the plan they offer to their services, everything is A class. If you are looking for a company that really care about its customers, SBI is the name.

April 13, 2018



I took my SBI Arogya Premier Policy in SBI General Insurance for last 4 years. As of now I don't have any claim experience. The premium was decent and good compared to others

May 11, 2021

manmohan tiwari


I brought health insurance plan from SBI in 2019 and i am very happy with my plan and customer service of SBI insurance company. Keep it up SBI !

April 29, 2021

Vihaan Gupta


Me and my family have been lucky to have bought an SBI Health Insurance plan during the covid situation. The policy has proved to be a saviour for all of us, Thankyou SBI health Insurance for helping us in the time of our medical need.

Last updated on 29-04-2021

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