SBI Health Insurance Top-up & Super Top-up Plans

A top-up plan offers the insured an additional benefit by covering the hospitalisation cost but only after the threshold limit known as the deductible is crossed. A fruitful investment apart from a primary health insurance cover, top-up policy is a successful solution to prevent financial concerns at the time of a medical emergency.

The perfect supplement one can look for other than their primary health coverage, top-up plans come into role when the primary insurance gets exhausted. An excellent back-up, top-up plans are the perfect solution one can opt for to get their expenses covered when they get beyond the limit of the existing limit.

SBI General Insurance Arogya Top-Up Policy

Arogya Top-up Policy by SBI General Insurance is a popular top-up insurance product. Supporting insured individuals in ensuring extra protection at low premium price, Arogya Top-up Policy saves one from the burden of sky-rocketing medical costs over and above the pre-decided medical cost.

Key Benefits of Arogya Top-up Policy

Arogya Top-Up Policy is an excellent top-up policy that an insured can rely on when their medical costs exceed expectation. A dependable solution, the policy can be availed for a period of 1 year, 2 years or 3 years. While the sum insured range for Arogya Top-Up Policy lies between Rs. 1 lakh up to Rs. 50 lakh. The list of benefits offered under the top-up policy include in-patient hospitalisation, pre & post hospitalisation, apart from:

• Organ donor expenses
• 142 day care procedures
• Alternative treatment under AYUSH covered
• Tax benefits under Section 80D of Income Tax Act
• Maternity expenses covered after first 9 months waiting period
• Reinstatement of sum insured on payment of additional premium

Who Can Buy this Plan?

The minimum entry age for Arogya Top-up Policy is 3 months. As far as the maximum entry age is concerned, it is 65 years.

Waiting Period Under the Plan

The waiting period for pre-existing diseases under Arogya Top-up Policy is 48 months. For any illness, except for an injury, the initial waiting period is 30 days. While there is a waiting period of 1 year for certain diseases and surgeries, maternity benefit expenses are covered after a period of 9 months.

Renewability of the Plan

Arogya Top-Up Policy offers the insured the benefit of lifetime renewability.

Exclusions Under the Plan

Arogya Top-Up Policy does not offer cover against the following expenses:

• Treatment taken outside India
• Pregnancy, infertility, congenital/genetic conditions
• Participation in hazardous sports, war, and allied perils
• Substance abuse, self-inflicted injuries, STDs, and HIV/AIDS
• Circumcision, sex-change surgery, cosmetic surgery and plastic surgery

The critical insurance product by SBI General comes with some of the best features, such as:

• Portability option
• Lifelong renewability
• Cashless treatment
• Claim settlement support
• Grace period of 30 days for renewal

With SBI General’s Critical Illness Insurance in place, you are able to stay focused on getting the best treatment rather than worrying about your savings.