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

**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:

**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

What Is Covered Under SBI Arogya Top-Up Plan?

**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.