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.
Sum Insured |
Rs 1,00,000-Rs 50,00,000 |
Pre-policy Health Check-up |
Not required up to 55 years |
Multiple Coverage |
Available |
Tax Benefits |
Available |
Day Care Tretament |
141 procedures covered |
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:
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.
The list of coverage under this policy includes:
The plan will not cover any treatment or expenses related to the following:
Please refer to the Policy document for a complete list of exclusions.
Given below are the main features and benefits of the SBI Arogya Top up Policy:
The minimum eligibility conditions to buy this policy are:
Type |
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 |
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.
Ans: If an accident or illness requires hospitalization or daycare, the policyholder or life insured must notify SBI General Health Insurance Company or their TPA, either by phone or email.
Ans: The policy period of the SBI Arogya Top up Insurance Policy is 1 year / 2years / 3 years 3 ½ months, 6 ½ months and 9 ½ months.
Ans: There is no limit on the number of SBI Arogya Top up Policy Health Insurance claims during a particular policy term. But, the collective claims have to be within the sum insured previously declared.
Ans: One must log on to the Insurer's or the insurance aggregator's website to buy SBI General Health Insurance Policy.
Ans: The policyholder or life insured would be granted a Grace Period of 30 days to renew the SBI Arogya Top up Policy.
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