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SBI Health Insurance Top-Up
Top-up plans for health insurance provide an additional layer of protection against unexpected medical expenses, such as hospitalization.
In addition to a basic health insurance plan, 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-up and Super Top-Up plans are effective options.
SBI Top-Up plans include numerous features and benefits designed to assist 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 lakh INR.
SBI Top-Up Health Insurance Eligibility Criteria
| Criteria | Details |
|---|---|
| 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 with its comprehensive features and benefits.
- Tax Benefits
SBI Super Top-Up health insurance is eligible under the Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions. - Day-Care Treatments
SBI top-up health insurance provides 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 offers comprehensive coverage. Insurance holders can select their choice of sum insured ranging from 1 to 50 lakh INR. - Mental Illness Cover
Mental illness covers inpatient treatment for mental illness up to the 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 covers expenses incurred for inpatient treatment due to any condition caused by or associated with the human immunodeficiency virus or similar viruses, commonly referred to as AIDS, up to the 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 purposes
- Cosmetic or sex-change treatment/surgery
- Alcohol consumption, smoking, other 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
