SBI Arogya Top up Health Insurance

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

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

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.

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. 

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

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.

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.