SBI Top Up Plan

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      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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      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

      Category

      Features

      Sum Insured

      Rs 1 lakh to Rs 50 lakh

      (in multiples of 1 lakh)

      Health Check-Up

       

      Deductible

      Rs 1 lakh to Rs 10 lakh

      (in multiples of 1 lakh)

      In Patient Care

      Yes

      Pre/Post Hospitalisation

      Yes

      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:

      Parameters

      Conditions

      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

      Underwriting

      As per Board norms

      Savings

       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.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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