Network hospitals
6000+
Claim settlement ratio
98%%
Sum insured
Up to 2 Cr
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
141+
Health and Term Insurance
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Health Insurance
Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.
Updated on Apr 08, 2025 4 min read
SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard health policy coverage is exhausted. The plan adds an extra shield of protection at affordable premiums
Available on an individual and family floater sum insured basis, the SBI Arogya Top-up 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. The plan comes with an array of benefits that include in-patient hospitalisation, pre & post-hospitalisation, ambulance cover, organ donor expenses, and domiciliary treatment etc.
In the section below explore more about the plan and its several features:
Health Insurance Plans
Choose 1st Plan
Choose 2nd Plan
Health Insurance Plan
To understand SBI Arogya Top-Up Policy Insurance in detail, take a look at the below table:
3 Months to 65 Years
Individual and Family Health Insurance
1 L | 5 L | 10 L | 20 L | 25 L | 50 L
30 Days
Lifelong
1 / 2 / 3 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options available, SBI Arogya Top-Up Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
To understand how much premium you need to pay, we have illustrated some premiums with different sum insured options and different deductinles.
Let's take an example of an individual who is 30 years old and see how much premium he needs to pay for choosing the different sum insured and deductible amount
| Sum Insured (in Rs.) | 10 Lakh | 25 Lakh | 50 Lakh |
| Premium (in Rs.) | 3,009 | 3,673 | 4,197 |
| Sum Insured (in Rs.) | 10 Lakh | 25 Lakh | 50 Lakh |
| Premium (in Rs.) | 663 | 872 | 1024 |
| Sum Insured (in Rs.) | 10 Lakh | 25 Lakh | 50 Lakh |
| Premium (in Rs.) | 200 | 200 | 200 |
Injuries that take place because of war or warlike activities.
Any disease or illness that comes 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.
Self-injury and attempt to suicide.
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.
To cater to the different medical needs of an individual & their family, SBI Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to SBI Health Insurance plans explore more:
Individual and Family Health Insurance
SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...
Unique Features
Individual and Family Health Insurance
SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...
Unique Features
Group Health Insurance
SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...
Unique Features
Individual and Family Health Insurance
SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...
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Individual
SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...
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Critical Illness Health Insurance
SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...
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Individual and Family Health Insurance
SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...
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Individual and Family Health Insurance
SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...
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Individual and Family Health Insurance
SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...
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Individual and Family Health Insurance
SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...
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Individual
Manage Additional Expenses With Hospital Daily Cash Insurance of SBI! SBI Hospital Daily Cash insurance policy takes care of the extra expenses ...
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Individual
Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...
Unique Features
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
Along with the inpatient hospitalization, the plan also covers HIV/AIDS, as well as offers coverage against Mental Illness.
Yes, the plan offers tax benefits as per the prevailing Income Tax laws.
The plan does not have any limitations on the number of claims made under SBI Arogya Top up Policy health insurance. However, the plan will only come in action when your exising plan is exhausted.
There is no limit on the number of claims under the SBI General Arogya Top-up Policy. However, your plan coverage would be exhausted once the collective claims reach the sum insured chosen by you.
No, you are not required to undergo a pre-acceptance medical checkup until the age of 55 years.
To renew your SBI Arogya Top-up policy, you need to follow the below-mentioned steps: Go to the official website of the SBI General and click on ’Renew’ under the ’Health’ tab. Enter the required details and click ’Go’. The next page will show the summary details of your policy. Check it and make the payment. Your policy will be renewed and its notification will be sent to your registered mobile number and email id.
The documents required for filing a claim under the SBI Arogya Top-up policy are: Duly filled claim form Photo ID Hospital discharge card in original Original prescriptions and other medical bills Death certificate, if required
The family consisting of self, spouse, and dependent children can be covered under the SBI Arogya Top-up policy on a family floater basis.
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Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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February 5, 2023
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