SBI Arogya Top up Policy: An Overview

As the name suggests, SBI Arogya Top up Policy works on a participative cost-sharing basis. Here, the medical expenses, up to a specific limit, are borne by the policyholder. The Insurer comes into the picture only if the medical expenses exceed the deductible limit. The additional costs incurred over and above that limit are then paid out of the top-up insurance policy. SBI Arogya Top up Policy is a known Top-up health insurance policy that offers unrivaled financial coverage in case the existing medical insurance crosses the threshold limit.

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SBI Arogya Top up Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    SBI Arogya Top up Policy: Key Highlights 

    Sum Insured

    Rs 1,00,000-Rs 50,00,000

    Pre-policy Health Check-up

    Not required up to 55 years

    Multiple Coverage


    Tax Benefits


    Day Care Tretament

    141 procedures covered

    Coverage Offered

    To buy SBI Arogya Top up Policy, an individual can opt for the Individual or Family Floater option with a Sum Insured in the range of Rs 1 lakh up to 5 lakh. The scope of coverage under this policy is:

    In-patient treatment

    The In-patient hospitalization expenses coverage would include the following:

    1. All Room rent, boarding and nursing expenses
    2. Medical Practitioner's Fees (including expenses incurred on Tele-consultation)
    3. Expenses incurred on anesthesia, blood, oxygen, medicines & consumables, operation theatre charges, surgical appliances and any medicinal expenses incurred, which is an essential part of the surgery
    4. Intensive Care Unit (ICU) charges
    5. Diagnostic costs, X-ray, dialysis, radiotherapy, chemotherapy, pacemaker costs, prosthesis or internal implants
    6. Physiotherapy, if it is an essential part of the inpatient care and ongoing treatment.

    Pre-hospitalization Cover- Expenses incurred up to 60 days before admission in the hospital or in the case of domiciliary hospitalization would be covered.

    Post- hospitalization Cover- Expenses incurred up to 90 days after discharge from the hospital or in the case of domiciliary hospitalization would be covered.

    AYUSH treatment- Expenses incurred under the Ayurvedic, Homeopathy, Siddha and Unani treatment in a government recognized institute would be covered.

    Inclusions of the Plan

    The list of coverage under this policy includes:

    1. Expenses incurred on Ambulance services up to Rs 5000 per hospitalization
    2. Costs incurred on Maternity after the first 9 months are covered.
    3. Treatment for HIV/AIDS up to Rs 1,00,000 would be covered except for the conditions which are permanently excluded.
    4. Treatment for Genetic Disorders up to Rs 1,00,000 would be covered.
    5. Under the Day Care benefit, 141 procedures that do not require 24 hours of hospitalization would be covered.
    6. Expenses incurred on 12 developed treatments & procedures, up to 50% of the Sum Insured, would be covered.
    7. Expenses incurred on Organ donors' treatment for the harvesting of donated organs would be covered.
    8. Treatment for Mental Illness up to Rs 1,00,000 is offered.
    9. Inherited internal ailments up to 10% of Sum Insured are included.

    Exclusions of the Plan

    The plan will not cover any treatment or expenses related to the following:

    1. Diagnostic or evaluation
    2. Rest cure, rehabilitation and respite care
    3. Cosmetic surgery, sterility or infertility
    4. Obesity treatment or surgery
    5. Unproven treatment
    6. Gender-Change
    7. Any treatment taken abroad
    8. Any error or breach of law on the part of the insured

    Please refer to the Policy document for a complete list of exclusions.

    Features & Benefits of the SBI Arogya Top up Policy

    Given below are the main features and benefits of the SBI Arogya Top up Policy:

    1. Comprehensive insurance coverage from Rs 1,00,000 up to Rs 50,00,000
    2. No medical check-up required if the life insured don't have any medical history up to 55 years of age
    3. Comprehensive insurance coverage of Pre and post-hospitalization.
    4. Treatment under the AYUSH method
    5. Income Tax exemption would be provided under Section 80D of the Income Tax Act.

    Eligibility Criteria

    The minimum eligibility conditions to buy this policy are:


    Individual or Family Floater

    Minimum Entry Age

    3 years

    Maximum Entry Age

    70 years

    Number of people covered

    For individuals, Sum Insured would apply to each policyholder

    For family floaters, Sum Insured would apply to the entire family, which would include

    a) Spouse

    b) Dependent Children

    c) Own Parents and Parents-in-laws

    Residential Status

    All Citizens and Residents of India

    Cancellation of the SBI Arogya Top up Policy

    To surrender the SBI Arogya Top up Policy, the policyholder or life insured must visit the nearest branch of SBI General Health Insurance Company and submit the properly filled surrender request form, policy details, canceled cheque and rationale for cancellation.


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    SBI Arogya Top up Policy Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
    Download the Policybazaar app
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