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SBI Arogya Top up Health Insurance

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SBI Health Insurance
Arogya Top up Policy
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443

About SBI Arogya Top up Health Insurance

Arogya Top up Policy by SBI General Insurance is a type of top-up policy that has been framed to provide additional cover to policyholders against rising medical costs. Believing that medical costs at times surpass the total sum insured of a regular health insurance policy, SBI General has designed Arogya Top up Policy that enables you to add extra shield of protection at a low premium. With this policy in place, you can feasibly meet the rising medical costs. Available on an individual and family floater sum insured basis, this policy by SBI General also helps individuals and families meet expensive hospitalisation costs.

Moreover, SBI Arogya Top up Policy offers wide coverage, including in-patient hospitalisation, pre & post hospitalisation, diagnostic procedures, health check-up, ambulance cover, maternity expenses, organ donor expenses, domiciliary treatment and medicines, drugs and consumables consumed during hospitalization. You can buy this policy for the tenure of either 1-year, 2-year or 3-year. The minimum sum insured is Rs. 1 Lakh and maximum Rs. 50 Lakh.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-hospitalisation up to 60 days before being hospitalised
  • Post-hospitalisation up to 90 days from the date of discharge
  • Expenses related to more than 140 daycare treatment procedures
  • Maternity expenses after the first 9 months of the waiting period
  • Ambulance expenses up to Rs. 5,000 per valid hospitalisation
  • Domiciliary hospitalisation and organ donor expenses

What's Not Included

  • Epidemic disease declared by the Indian Government or WHO
  • Injury due to addiction to drug or alcohol or other substance
  • Expenses incurred in medical treatment taken outside India
  • Stem cell implantation, storage, or surgery and genetic disorders
  • Injury caused by war, invasion, hostilities, acts of foreign enemy, etc.
  • Vaccination, except as part of post-bite treatment for an animal bite

1358 SBI Cashless Network Hospitals in India

Arogya Top up Policy User Reviews

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What users are saying
  • All
  • InsuranceDekho offers a smooth as well as transparent buying process. I recently bought from the SBI Arogya- T...

    Read More
    By Ravinder Singh
    On: Aug 09, 2023
  • I will say that this plan is very much helpful if anyone wants to extend their coverage without buying a new b...

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    By Devki Nandan Pant
    On: Mar 02, 2020
  • Around 46 days have passed since I purchased this policy. I had no problem buying it all thanks to insurancede...

    Read More
    By Radhey Shyam
    On: Feb 26, 2020
  • I knew this was my extension for my cover when i had a word with insurancedekho team. I will suggest others to...

    Read More
    By Rohit Tanwar
    On: Feb 19, 2020
  • I was looking to extend my health insurance cover by buying a new policy. Thanks to insurancedekho i got this ...

    Read More
    By Vedant Agarwal
    On: Feb 12, 2020

SBI Arogya Top up Policy Expert Review

  • Expert Review

    Arogya Top up Policy is a good option if you want your basic SBI General health insurance cover to be enhanced. The offered top up policy is specifically designed to help policyholders take care of exceeding medical costs. The policy provides one with added financial protection without increasing the premium in a significant manner. Overall, if you have been worrying about managing the extra costs over the basic medical expenses, Arogya Top up Policy is the one you can opt for.

    SBI General Insurance’s Arogya Top up Policy can be purchased by those aged between 3 months and 65 years. Note that for deductible amount of Rs. 5 Lakh, the maximum entry age is 70 years. Available for 1 year, 2 years or 3 years, this top up policy can be opted by an individual for self and/or family members. As far as the maximum coverage under the policy is concerned, the sum insured options range between Rs. 1 Lakh to Rs. 50 Lakh (in multiples in Rs. 1 Lakh). 

  • Major Attractions

    Arogya Top up Policy, being the ultimate savior of your financial stability will allow you the coverage of multiple expenses, inpatient hospitalisation being the most significant one. The policy takes care of medical expenses incurred on room rent, boarding charges, doctor's fees, ICU, nursing services, blood, oxygen, and various other requirements, so that’s a plus. Other beneficial aspects that the policy covers include - 

    • Coverage for 142 daycare expenses
    • 60 days pre and 90 days post hospitalisation cover
    • Coverage for maternity expenses after first 9 months of waiting period
    • Organ donor expenses covered
    • Domiciliary hospitalisation covered
    • Ambulance expenses covered (up to Rs. 5,000 per valid hospitalisation claim event)
    • Coverage for alternative treatment under AYUSH 
    • Reinstatement of sum insured, on payment of additional premium
    • No pre-policy medical test up to the age of 55 years for people with no medical history
  • What’s More?

    The prime features that Arogya Top up Policy covers are a huge help for anyone looking for an additional financial support. However, the top up policy has a lot more to offer. Other than coverage for medical expenses, the features that make Arogya Top up Policy a superior option to invest in include - 

    • Easy claim settlement
    • Lifelong renewability feature 
    • Grace period of 30 days 
    • 15 days free look period
    • 5% discount for 2 year term & 7.5% discount for 3 year term
    • Tax benefits under Section 80D of the Income Tax Act, 1961
  • Conclusion

    All in all, if you want to overcome rising medical costs, without being financially affected, opting for Arogya Top up Policy would be fruitful. The policy will undoubtedly help you manage expenses when they go beyond your pre-decided medical cost.

    You can purchase Arogya Top up Policy offline, however, choosing the online mode will be more convenient and quick. In addition to the same, you can choose InsuranceDekho as your platform to buy Arogya Top up Policy. Purchasing Arogya Top up Policy from InsuranceDekho will provide you with benefits regarding policy transparency, policy portability, claim settlement support, and multiple others.

SBI Arogya Top up Policy Brochure

  • 2.64 MB
  • PDF Document
  • Jul 25, 2019

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Top up Policy Health Insurance Plan

  • Is the portability feature allowed under the SBI Arogya Top up policy?

    Yes, portability is allowed. You are allowed to port your existing top-up policy into the SBI Arogya Top up policy. 

  • Does the Arogya Top up policy cover treatment by Ayurvedic or Homeopathy method?

    Yes, the Arogya Top up policy covers the alternative treatment such as Ayurvedic, Homeopathy or Unani. However, the treatment should be taken in a government hospital or in an institute recognised by the government or accredited by Quality Council of India or National Accreditation Board of Health. The cover is available up to the sum insured. 

  • What is the Sum Insured option under the SBI Arogya Top up plan?

    The SBI Arogya Top up plan comes with the coverage ranging from Rs. 1 Lakh to Rs. 50 Lakh.

  • Will I be eligible for tax benefits if I purchase SBI Arogya Top up policy?

    Yes, you can be eligible for tax benefits. The premiums that you pay for the SBI Arogya Top up policy let you enjoy tax benefits under Section 80D of the Income Tax Act. The tax deduction amount for self, spouse and dependent children and parents Rs. 25,000. For senior citizens, the deduction is the maximum of Rs. 30,000.

  • How to check the status of SBI Arogya Top up plan?

    If you’re a registered online user of SBI Arogya Top up plan, it’s advisable to login to the official website of SBI General Insurance with your policy details and check the status. For more information, contact InsuranceDekho at 1800-1205-698. 

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