SBI Health Insurance Top Up Plan

Top up health insurance policies are beneficial in terms of covering additional medical expenses. These policies come into the picture when the basic policy cover exhausts. One such policy that you can consider is SBI Arogya Top Up Policy.

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SBI Top Up Plan

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    Some plans are available only after a certain time

    Once activated, the plan will cover the additional liabilities that were left out by the health insurance plan. One can secure oneself or its family under the SBI health Top Up Policy at low premium rates and without any prior medical check-up up to the age of 55 years.

    SBI health Top Up Policy: Key Highlights



    Sum Insured

    Rs 1 lakh to Rs 50 lakh

    (in multiples of 1 lakh)

    Health Check-Up



    Rs 1 lakh to Rs 10 lakh

    (in multiples of 1 lakh)

    In Patient Care


    Pre/Post Hospitalisation


    Day Care

    Yes, 141 procedures covered

    Room Rent Category

    Not Specified

    SBI Arogya Top Up Policy: Key Features & Benefits

    The policy comes with multiple features and benefits, which can be availed by paying a regular premium. Policyholders can use SBI health Premium Calculator to ascertain the premium rates of the top-up plan. Some of the key benefits and features of this policy are:

    • No medical check-up is required till the age of 55 years if the person has no medical history.
    • Enhanced coverage by providing 60 pre days and 90 post days hospitalisation expenses.
    • Exemption of tax for premium paid under Section 80C of Income Tax Act.
    • Maternity expenses are covered after completion of the first nine months.
    • Option of reinstatement of the sum insured is available.
    • Treatment under recognised government AYUSH institution is covered.
    • Flexible premium tenure option of 1, 2, and 3 years.
    • The insurer allows an option of lifetime renewability.

    Inclusions of the SBI Health Top Up Policy

    The policy covers the following expenses:

    • 60 days of pre and 90 days of post hospitalisation expenses
    • Operation theatre expenses and ICU expenses
    • X-ray, chemotherapy, radiotherapy expenses
    • Ambulance expenses up to Rs 5000 per hospitalisation claim
    • Cost of pacemaker, surgical appliances, medicines & consumables
    • Prosthesis/internal implants
    • Anaesthesia, blood, and oxygen charges
    • Domiciliary Hospitalisation
    • Maternity expenses after 9 months of cover
    • Other expenses incurred during the operation procedure are vital for the treatment

    Exclusions of the SBI Health Insurance Top Up Policy

    The policy becomes null and void under the following situations:

    • Any treatment that took place outside of India
    • Injury caused by exposure to nuclear and nuclear-related material either directly or indirectly
    • Any expenses incurred during admission for primary investigation and evaluation
    • First nine months of maternity expenses
    • Exclusion for illness for the first 30 days except in case of an injury
    • Any harm occurred during the war, invasion, or by the act of a foreign enemy
    • Exclusion of epidemic diseases as mentioned by either WHO or the government of India
    • Any injury that the policyholder himself intentionally causes
    • All kind of cosmetic or aesthetic surgeries (except when necessary for the treatment)
    • Lasik treatment for eyes
    • Alcohol and drug rehabilitation charges
    • Vaccination of any kind except for post animal bite
    • Change of gender treatments
    • Any treatment of health hydro, spas, nature care clinics, and other related places

    *For complete list of exclusion please refer to SBI health Top Up Plan Brochure*

    Eligibility Criteria

    There are certain criteria that one must need to follow in order to purchase the SBI top-up plan. Here is the list of all the required eligibility criteria:



    Minimum Entry Age

    3 months

    Maximum Entry Age

    65 years

    Extended Entry Age

    70 years

    (with minimum deductible of 5 lakh)

    Renewal Terms

    Every year by mutual consent

    Cooling Period

    First 30 days except for accidental injury

    Wait Period for Named Elements

    Certain Specific Illness – 12 months and 90 days

    Maternity – 9 months

    Pre-existing Diseases

    48 months


    Sum Insured Modification

    Reinstatement of Sum Insured Option

    Grace Period

    30 Days


    As per Board norms


     7.5% Family Member savings

     20% Floater savings

    *All savings are offered as per the IRDAI approval. Standard T&C apply.

    With SBI health Top Up, one can stay tension-free during the treatment of his loved ones knowing that it will cover all the additional expenses. Please go through SBI health top-up premium chart to check the premium rates for various categories covered under the plan.


    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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