SBI Health Insurance Top up
  • Mental Illness Cover
  • HIV/AIDS Cover
  • 141 Daycare Treatments
SBI Health Insurance
premium

Network hospitals

20000+

premium

Claim settlement ratio

95.04%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

10

premium

Solvency Ratio

1.98

premium

Pan India Presence

24700+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

20000+

premium

Claim settlement ratio

95.04%

premium

Sum insured

Up to 5 Lakh

premium

No. of Plans

10

premium

Solvency Ratio

1.98

premium

Pan India Presence

24700+

SBI Health Insurance Top up

Top-up plans for health insurance provide an additional layer of protection for the insured against unexpected medical expenses such as hospitalization.

In addition to a basic health insurance plan, insured individuals can purchase additional SBI top-up health insurance at a low premium to protect against future financial concerns. When primary health insurance is exhausted, top-ups and Super Top-Up plans are successful and fruitful options.

SBI Top-Up plan includes a plethora of features and benefits designed to assist the insured with medical care. SBI top-up health insurance is a supporting health insurance plan with affordable premiums that covers daycare treatments, AYUSH treatments, maternity care, organ donor expenses, and more. Individuals can choose a policy tenure of one, two, or three years. The sum insured for SBI top-up health insurance ranges from 1 lakh to 50 lac INR.

SBI Top-Up Health Insurance Plans

SBI Arogya Top Up Policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Features

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

SBI Top-Up Health Insurance Eligibility Criteria

Child Entry Age

Minimum: 91 Days

Adult Entry Age

Maximum: 65 Years

Plan Type

Individual/Family Floater

Policy Term

1/2/3 Years

Sum Insured

1 L to 50 L

Initial Waiting Period*

30 Days*

Key Benefits of SBI Top-Up Health Insurance

Any type of medical emergency, whether minor or major, causes emotional, physical, and financial stress. You can avoid the financial stress of hospitalization, doctor consultations, and other medical care costs. SBI top-up health insurance ensures the overall safety of the insured life with its comprehensive features and benefits.

  • Tax Benefits
    SBI Super Top-Up health insurance is eligible under Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions.
  • Day-Care Treatments
    SBI top-up health insurance provides insurance holders coverage against 141 daycare procedures. The insurer will pay for daycare expenses requiring less than 24 hours of hospitalization up to the sum insured.
  • High Sum Insured
    SBI top-up health insurance is offering a wide comprehensive coverage. Insurance holders can select their choice sum insured ranging from 1 to 50 Lac INR.
  • Mental Illness Cover
    Mental illness covers Inpatient Treatment for mental illness up to Sum Insured under SBI top-up health insurance. The plan covers mental illnesses like severe depression, Schizophrenia, Bipolar Disorder, Post-traumatic stress disorder, Eating disorder, and more.
  • HIV/AIDS Cover SBI top-up health insurance is one of a kind as it also covers expenses incurred for Inpatient treatment due to any condition caused by or associated with human immunodeficiency virus or variant/mutant viruses similar kind commonly referred to as AIDS upto Sum Insured.

SBI Top-Up Health Insurance Plan Inclusions

The various inclusions under SBI Top-Up Health Insurance Plan include

In-patient Hospitalization

ICU Charges

Pre-hospitalization

Post-hospitalization

Day Care Treatment

Mental Illness Cover

HIV/AIDS Cover

AYUSH Treatment

Maternity Cover

Congenital Disease Cover

Organ Donor Expenses

Ambulance Cover

SBI Top-Up Health Insurance Plan Exclusions

The various exclusions under SBI Top-Up Health Insurance Plan include

Any hospitalization primarily for investigation / diagnostic purpose

cosmetic or sex-change treatment/surgery

alcohol consumption, smoking, another tobacco intake, or drug abuse

intentional self-injury, suicide, or attempted suicide

any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion

war, terrorism, or nuclear weapons

Health Insurance Companies

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states across the country. With a wide network of hospitals, SBI Health Insurance ensures that you are medically safe regardless of the city you live in.

Explore other Sbi Health Plans

SBI Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive Plan

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

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

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

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

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

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

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%

Group Insurance Policy

A group policy meant for an individual and family with a maximum coverage of 5 lakhs. Come with no pre medical tests and renewals.

Unique Features

  • Domiciliary hospitalization
  • Day care surgeries
  • Specialist fees

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

SBI Top-Up Plan: FAQs

1. What are the eligibility criteria to purchase SBI top-up Health insurance?

Individuals between the age of 3 months to 65 years are eligible to be covered under SBI top-up health insurance plan.

2. Is maternity cover included under SBI top-up health insurance plan?

Yes, maternity cover is included under SBI top-up health insurance plan after a waiting period of 9 months.

3. What are the sum insured options available under SBI top-up health insurance plans?

There is a wide range of sum insured available for every insurance holder. You can select a sum insured from 1 to 50 lakhs INR to fulfill your requirements and needs.

4. What are the deductibles available under SBI top-up health insurance plans?

The plan offers deductibles from 1 to 10 lac INR to the policyholders.

5. Are road ambulance charges covered under SBI top-up health insurance?

Yes, Road Ambulance charges are covered under SBI Top-up health insurance plans.

What Our Customers Have to Say

Customer Review Image

Piyush Kumar

Indore

May 1, 2023

PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.

Customer Review Image

priya

Pune

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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Saksham

Ahmedabad

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

Chandigarh

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.

Customer Review Image

Dhiraj Khanna

Mumbai

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

Kolkata

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

Kolkata

October 8, 2021

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

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Kuwali Rai

Gandhinagar

September 2, 2021

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

View All SBI Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.