SBI Arogya Top-Up Policy

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:

SBI Arogya Top-Up Policy Specifications

To understand SBI Arogya Top-Up Policy Insurance in detail, take a look at the below table:

Entry Age

3 Months to 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

1 L | 5 L | 10 L | 20 L | 25 L | 50 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

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.

Choose Your SBI Arogya Top-Up Policy

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:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Covered

Sub-limits

Covered

SBI Health Insurance Network Hospital List

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Sample Illustration Of SBI Arogya Top-Up Plan

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

Deductible choice: 1 Lakh

Sum Insured (in Rs.)	10 Lakh	25 Lakh	50 Lakh
Premium (in Rs.)	3,009	3,673	4,197

Deductible choice: 5 Lakhs

Sum Insured (in Rs.)	10 Lakh	25 Lakh	50 Lakh
Premium (in Rs.)	663	872	1024

Deductible choice: 10 Lakhs

Sum Insured (in Rs.)	10 Lakh	25 Lakh	50 Lakh
Premium (in Rs.)	200	200	200

What is not Covered Under the SBI Arogya Top-up Plan?

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.

Explore other SBI Health Insurance

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

SBI Divyanga Suraksha Policy

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

Covers in-patient treatment
HIV/AIDS cover
Power against disability

SBI Divyanga Suraksha Policy (Pros)

Pre and post-hospitalization
Medical treatment
Daycare procedures
Cataract cover

SBI Divyanga Suraksha Policy (Cons)

Domiciliary hospitalization
Vaccination
Health check-ups
Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

Modern treatment cover
In-patient treatment
AYUSH care
PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Entry age: 18 o 65 years
SI: 4 & 5 Lakhs
Initial Waiting Period: 30 days

Individual and Family Health Insurance

Arogya Premier Policy

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expense...

Unique Features

Plan Specifications
Eligibility
Inclusions and Exclusions

Arogya Premier Policy (Pros)

In-patient hospitalization expenses
Pre and post-hospitalization
AYUSH treatments
Maternity expenses

Arogya Premier Policy (Cons)

Daily hospital cash cover
Newborn baby cover
Global coverage
Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Mental illness cover
HIV/AIDS cover
Internal congenital diseases
Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Year
Sum Insured: 10 to 30 Lakhs
Initial Waiting Period: 30 days

Individual and Family Health Insurance

Arogya Plus Policy

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provi...

Unique Features

What is Arogya Plus?
Know the Eligibility Criteria
Premiums Sample Illustration

Arogya Plus Policy (Pros)

OPD cover
In-patient hospitalization
Pre & post hospitalization

Arogya Plus Policy (Cons)

Newborn baby cover
Vaccination
Compassionate travel
Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

AYUSH treatment
Domiciliary hospitalization
HIV/AIDS cover
Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Years
Sum Insured: 1/2/3 L
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard...

Unique Features

Enhanced coverage
Eligibility criteria
Key features

SBI Arogya Top-Up Policy (Pros)

In-patient hospitalisation
Pre & post hospitalisation
Ambulance cover

SBI Arogya Top-Up Policy (Cons)

Global coverage
Air ambulance
Compassionate visit
OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

Organ donor expenses
Domiciliary treatment
Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

Entry age: 3 months to 65 years
SI: 1 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to ...

Unique Features

Affordable Health Plan
Eligibility Criteria
Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

In-patient hospitalization
Pre and post-hospitalization care
ICU expenses
Daycare treatment
Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

Modern treatment unavailable
OPD not covered
Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

Deep Brain Stimulation
Balloon Sinuplasty
Oral Chemotherapy
Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 50K to 1 Lakhs
Initial waiting period: 30 days

Critical Illness Health Insurance

SBI Critical Illness Policy

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

Coverage for Cancer
Eligibility Criteria
Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

13 critical illnesses
COVID- 19 covered
Air ambulance services

SBI Critical Illness Policy (Cons)

Maternity cover
OPD and daycare unavailable
Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

Emergency medical cover
No Maximum age limit
SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

Entry age: 5 years to No limit
SI: 3 to 10 Lakhs
Initial waiting period: 90 days

Individual

SBI Loan Insurance Policy

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies ari...

Unique Features

Loan repayment benefits
Plan details
Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

Pays out max 3 EMIs
Pays outstanding loan
PTD benefits

SBI Loan Insurance Policy (Cons)

Drug abuse or alcoholism
HIV/AIDS
Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

Accidental cover
Critical illnesses cover
Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

Entry Age: 18 to 65 years
SI: 1 Crore
Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Supreme Policy

SBI Arogya Supreme health plan is a diverse insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers and 8 opt...

Unique Features

Complete protection
Choose SI
Choose policy tenure

SBI Arogya Supreme Policy (Pros)

Domestic Air Ambulance Cover
Compassionate Benefit
Recovery Benefit

SBI Arogya Supreme Policy (Cons)

Automatic restoration
Maternity cover unavailable
Newborn baby cover
2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

E-Opinion Cover
Preventive Health Check-up
Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term 1/2/3 Years
Initial Waiting Period 30 Days

Group Health Insurance

SBI 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

High Sum Insured
Easy Policy Renewal
10% copayment

SBI Group Health Insurance (Pros)

In-patient hospitalization
Daycare treatments
Co-payment clause

SBI Group Health Insurance (Cons)

Room rent unavailable
OPD not covered
Organ donor expenses
Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

Ambulance expenses
Pre & post-hospitalisation
Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 5 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Health Edge Policy

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders...

Unique Features

Avail Global Treatment
Multiple Discounts
18 Optional Covers

SBI Health Edge Policy (Pros)

In-patient hospitalization
Pre and Post-hospitalization
Daycare treatments
Emergency ambulance cover

SBI Health Edge Policy (Cons)

Organ donor
Compassionate visit
Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

Bariatric Surgery Cover
Modern Treatments
AYUSH Treatments
Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 3 to 25 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

Super Health Policy

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-in...

Unique Features

Unlimited Re-insure Benefit
Wellness Benefits
Annual Health Check-ups

Super Health Policy (Pros)

Tax benefit
Reinsure benefit
Health multiplier
Optional covers

Super Health Policy (Cons)

Cosmetic treatment
Injury due to illegal activities
Unlawful activities
Adventure sports injuries

Super Health Policy (Other Benefits)

OPD expenses
International treatment
SI up to 2 Crores
Flexible premium payments

Super Health Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

SBI Arogya Top-up Policy: FAQs

1. Other than the above-mentioned coverage, what else does the SBI Arogya Top-up policy cover?

Along with the inpatient hospitalization, the plan also covers HIV/AIDS, as well as offers coverage against Mental Illness.

2. Am I eligible to avail of Tax Benefits under the SBI Arogya Top-up plan?

Yes, the plan offers tax benefits as per the prevailing Income Tax laws.

3. How many times can I make claims under the SBI Arogya Top-up plan?

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.

4. How many times I can claim the SBI Aroya Top-up Plan?

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.

5. Do I need to undergo any pre-medical checkup before buying the SBI Arogya Top-up policy?

No, you are not required to undergo a pre-acceptance medical checkup until the age of 55 years.

6. What Is The Renewal Process of the SBI Arogya Top-up Plan?

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.

7. What documents do I need to file a claim for SBI Arogya Top-up Policy?

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

8. How many family members can be covered under the Arogya Top-up Policy?

The family consisting of self, spouse, and dependent children can be covered under the SBI Arogya Top-up policy on a family floater basis.