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.

Choose SBI Health Insurance Plan for

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

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About 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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About SBI Network Hospital

Explore SBI Health Insurance

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

SBI Arogya Supreme

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

SBI Arogya Supreme (Pros)

E - Consultations
Sum Insured Refill
Air Ambulance
Long-term Policy
AYUSH Cover

SBI Arogya Supreme (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

SBI Arogya Supreme (Other Benefits)

Multiple Discounts
Annual Health Check-up
Mental Health Care
Cataract Treatment
E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 5 L to 50 L
Waiting Period - 30 Days

Comprehensive/ Family Floater Plan

SBI Arogya Premier 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
SI Auto Restoration
No pre medical up to 55 years

Arogya Premier Plan (Pros)

Road Ambulance
High SI
AYUSH Cover
Room Rent
Pre & Post Hospitalization

Arogya Premier Plan (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Arogya Premier Plan (Other Benefits)

Family Floater
Tax Benefits
Affordable Premiums
Medicine Cover
Cataract Cover

Arogya Premier Plan (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 50k to 10L
Waiting Period - 30 Days

Family Floater Plan

SBI Arogya Plus 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

Arogya Plus Plan (Pros)

Up to 7.5% discount
OPD Cover
Maternity Cover
Pre & Post Hospitalization
141 Daycare Treatments

Arogya Plus Plan (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Arogya Plus Plan (Other Benefits)

Nursing Expenses
Domiciliary Hospitalization
AYUSH Cover
Medicines Cover
Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 3 L
Waiting Period - 30 Days

Affordable Plan

SBI Retail Health Insurance Policy

A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.

Unique Features

Consultancy Cover
Tax Benefits
SI Upto 5 L

Retail Health Policy (Pros)

Add-on Covers Available
ICU Benefit
Ambulance Cover
Free Medical Check-up
Parental Care

Retail Health Policy (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Retail Health Policy (Other Benefits)

High SI
Child Care
Cataract Care
AYUSH Care
Mental Illness

Retail Health Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50k to 5 L
Waiting Period - 30 Days

Top-up policy

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 Benefits

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

Arogya Top Up Policy (Pros)

Up to 7.5% discount
OPD Cover
Tax Benefits
Pre & Post Hospitalization
141 Daycare Treatments

Arogya Top Up Policy (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Arogya Top Up Policy (Other Benefits)

High SI
Room Rent Covered
Physiotherapy Covered
Affordable Premiums
Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 1 L to 50L
Waiting Period - 30 Days

Critical Illness policy

SBI Critical Illness Plan

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

Critical Illness Plan (Pros)

Covers 13 CI
Cancer Care
Kidney Failure
Organ Transplant
Stroke

Critical Illness Plan (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Critical Illness Plan (Other Benefits)

High SI
Paralysis
Coma
2 Plan variants
Blindness Cover

Critical Illness Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 10 L
Waiting Period - 30 Days

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

Hospital Daily Cash Policy (Pros)

Daily Cash Benefit
Tax Benefits
Optional Covers
ICU Benefit
Accident Injury

Hospital Daily Cash Policy (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

Compassionate Benefit
Daycare Treatment
Maternity Cover
Sickness Cash Benefit
Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 500 to 2,000
Waiting Period - 30 Days

Loan Insurance Policy

SBI 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

Tax Benefits
Personal Accident Cover
SI up to 1 Crore

Loan Insurance Policy (Pros)

Loss of Job Cover
Long Term Policy
Affordable Premiums
Death Cover
Permanent Disablement

Loan Insurance Policy (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Loan Insurance Policy (Other Benefits)

Cancer Cover
Organ Transplant Cover
Paralysis Cover
Organ Transplant
Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

Entry Age - N/A
Max Entry Age - N/A
SI - Up to 1 Crore
Waiting Period - 30 Days

Standard Plan

SBI Arogya Sanjeevani Policy

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%

SBI Arogya Sanjeevani (Pros)

Road Ambulance
High SI
AYUSH Cover
Room Rent
Pre & Post Hospitalization

SBI Arogya Sanjeevani (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

SBI Arogya Sanjeevani (Other Benefits)

Family Floater
Tax Benefits
Affordable Premiums
Medicine Cover
Cataract Cover

SBI Arogya Sanjeevani (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 50k to 10L
Waiting Period - 30 Days

Group Insurance Policy

SBI Group Health Insurance Policy

This plan is available for individuals and families, wherein the plan will take care of medical expenses with affordable premium rates.

Unique Features

Tax Benefits
Wide Coverage
Room Rent Covered

Group Health Policy (Pros)

Medical Practitioners Available
Specialist Fees Cover
Daycare Expenses
Domiciliary Hospitalization
Pre & Post Hospitalization

Group Health Policy (Cons)

Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities

Group Health Policy (Other Benefits)

Individual Cover
Family Cover
High SI
Policy Renewal opted
Ambulance Cover

Group Health Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 - 5 L
Waiting Period - 30 Days

Health Insurance Articles

See More Health Insurance Articles

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

Simran Oberai

Gurgaon

February 26, 2024

My search for the best cancer insurance plan for me ended with the SBI Critical Illness health insurance plan suggested by insurance experts at PolicyX.

Ritika Bhalla

Kolkata

February 16, 2024

For all my SBI health insurance plan queries like premium comparison, renewal, and rider information I turn to PolicyX.

Sakshi Kapoor

Ranchi

February 16, 2024

Maternity insurance was a major concern for me. PolicyX suggested the SBI Super Health Insurance which has got everything I need and more.

Toshani Yadav

Meerut

February 16, 2024

I am extremely happy with PolicyX customer support, as I was stuck with a claim settlement request for my SBI Health Edge claims and they solved it quickly.

Bilal

Bhopal

February 16, 2024

I am happy with the customer support of PolicyX as they helped me with the queries for my SBI Health Edge policy.

Thomas

Kochi

January 14, 2024

Good insurance,hassle free clearance at aster medicity with help of aldun.covered full amount for my wife& 039;s maternity admission. New born charges were not covered

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.

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.

View All SBI Health Insurance Reviews

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.

Confused? No Worries, We Are Here To Help!

SBI Health Insurance Top up

SBI Top-Up Health Insurance Plans

SBI Top-Up Health Insurance Eligibility Criteria

Child Entry Age

Adult Entry Age

Plan Type

Policy Term

Sum Insured

Initial Waiting Period*

Key Benefits of SBI Top-Up Health Insurance

Choose SBI Health Insurance Plan for

SBI Top-Up Health Insurance Plan Inclusions

SBI Top-Up Health Insurance Plan Exclusions

Health Insurance Companies

SBI Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Explore SBI Health Insurance

Explore other Sbi Health Plans

SBI Arogya Supreme (Pros)

SBI Arogya Supreme (Cons)

SBI Arogya Supreme (Other Benefits)

SBI Arogya Supreme (Eligibility Criteria)

Arogya Premier Plan (Pros)

Arogya Premier Plan (Cons)

Arogya Premier Plan (Other Benefits)

Arogya Premier Plan (Eligibility Criteria)

Arogya Plus Plan (Pros)

Arogya Plus Plan (Cons)

Arogya Plus Plan (Other Benefits)

Arogya Plus Plan (Eligibility Criteria)

SBI Retail Health Insurance Policy

Retail Health Policy (Pros)

Retail Health Policy (Cons)

Retail Health Policy (Other Benefits)

Retail Health Policy (Eligibility Criteria)

Arogya Top Up Policy (Pros)

Arogya Top Up Policy (Cons)

Arogya Top Up Policy (Other Benefits)

Arogya Top Up Policy (Eligibility Criteria)

Critical Illness Plan (Pros)

Critical Illness Plan (Cons)

Critical Illness Plan (Other Benefits)

Critical Illness Plan (Eligibility Criteria)

SBI Hospital Daily Cash Insurance Policy

Hospital Daily Cash Policy (Pros)

Hospital Daily Cash Policy (Cons)

Hospital Daily Cash Policy (Other Benefits)

Hospital Daily Cash Policy (Eligibility Criteria)

Loan Insurance Policy (Pros)

Loan Insurance Policy (Cons)

Loan Insurance Policy (Other Benefits)

Loan Insurance Policy (Eligibility Criteria)

SBI Arogya Sanjeevani (Pros)

SBI Arogya Sanjeevani (Cons)

SBI Arogya Sanjeevani (Other Benefits)

SBI Arogya Sanjeevani (Eligibility Criteria)

Group Health Policy (Pros)

Group Health Policy (Cons)

Group Health Policy (Other Benefits)

Group Health Policy (Eligibility Criteria)

Health Insurance Articles

Arogya Karnataka SchemeAug, 2023

Does Health Insurance Premium Increase Every Year?Aug, 2023

Add-On Covers In Health InsuranceAug, 2023

Pre and Post-Hospitalisation Expenses In Health InsuranceAug, 2023

Swasthya Sathi SchemeAug, 2023

CM Comprehensive Health SchemeAug, 2023

Biju Swasthya Kalyan YojnaAug, 2023

Janani Suraksha YojanaAug, 2023

Does Health Insurance Cover Infertility Treatment?July, 2023