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SBI General’s Arogya TopUp

An addition of confidence to your healthcare

In the story of your life, your health is the most important chapter. And in today’s world, taking care of it remains quite stressful. With rising hospital bills and a sedentary lifestyle, your health needs a cover that provides you the confidence to face it all. SBI General’s Arogya Top-up policy, aims to do the same with a comprehensive shield of benefits it offers.

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A few details to start with

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More details about Arogya TopUp Insurance Policy

  • No pre-policy medical test up to the age of 55 years for people with no medical history.
  • Coverage of 60 days Pre and 90 days Post Hospitalisation Expenses.
  • 141 Day Care expenses covered
  • Wide coverage – From Rs.1,00,000/- to Rs. 50,00,000/- with deductible option of Rs.1,00,000/- to Rs.10,00,000/-(in multiples of 1 Lakh).
  • Maternity Expenses covered after first 9 months.
  • Premium exempt from Income Tax under Sec 80 D of Income Tax Act.
  • Covers organ donor expenses Option for Reinstatement of Sum Insured.
  • Ambulance expenses upto Rs. 5000/- per event.
  • Alternative treatment under AYUSH covered.
  • Eligible hospitalisation expenses:
    • Room rent, boarding expenses, Medical Practitioners’ fees (Including Teleconsultation).
    • Medical practitioners' fees.
    • Intensive care unit.
    • Nursing expenses.
    • Anesthesia, blood, oxygen, operation theatre expenses, surgical appliances, medicines & consumables, diagnostic expenses and x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation.
    • Physiotherapy as inpatient care and being part of the treatment.
    • Drugs, medicines and consumables consumed during hospitalisation period.
  • Pre-hospitalisation expenses coverage - 60 days prior to date of admission in hospital or in case of domiciliary hospitalisation.
  • Post-hospitalisation - 90 days after date of discharge from the hospital, or in case of domiciliary hospitalisation.
  • 141 Day Care surgeries and procedures requiring less than 24 hours of hospitalisation.
  • Ambulance expenses up to Rs. 5000 per valid hospitalization claim event.
  • Ayurvedic, Homeopathy, Siddha and Unani treatment in an institute recognised by government and/or accredited by authorities.
  • Reasonable and customary charges towards domiciliary hospitalisation.
  • Maternity expenses after first 9 months.
  • Organ donor: Medical expenses for an organ donor's treatment for harvesting of organ donated including pre and post hospitalisation as stated in scope of cover.
  • HIV/AIDS Cover up to the limit Rs.1,00,000 except for the conditions which are permanently excluded.
  • Mental Illness Cover upto the limit Rs.1,00,000.
  • Genetic Disorders Covered up to Rs.1,00,000.
  • Internal Congenital Diseases Covered upto 10% of SI.
  • 12 Advanced treatments procedures covered upto 50% of SI.
  • Policy will cover COVID - 19 treatment related claims subject to 24 hours hospitalization (for Positive cases) only. Also admission and hospitalization primarily for the purpose of diagnosis or investigation is not payable under our policies. The admission is allowed only to those authorized hospitals where COVID - 19 treatment is allowed.
  • Hypertension & Diabetes after 90 days form policy Inception date.

Age: Minimum entry age is 3 months and maximum entry age is 65 years. There is no exit age.

Insured: Individual/ Family (For Family Insurance Policy- Family means the spouse, dependent children, parents and parents in law. For Family Floater Insurance Policy- Family means the spouse and dependent children)

Policy Term: 1/2/3 years.

Sum Insured: Minimum SI: INR.10,00,000 to Maximum SI: INR 30,00,000 in multiples of INR 1,00,000/-. Sum Insured of dependents will either be less than or equal to Proposer/ Primary Insured’s Sum Insured.

Premium: As per the age, Sum Insured and number of insured in a policy.

  • Waiting Period: 30 days from first inception of the health insurance policy.
  • Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, Specified diseases or conditions covered after one year of coverage. Maternity Expenses shall be payable after coverage of 9 months from the date of inception of the Policy.
  • Treatment taken outside India.
  • Injury/ disease directly or indirectly caused or contributed due to nuclear weapons/materials.
  • War, invasion, acts of foreign enemy, hostilities, etc.
  • Epidemic disease recognized by WHO or Indian Government.
  • Intentional self injury or violation of any law.
  • Cosmetic or aesthetic treatments of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of illness or accidental bodily injury).
  • Treatment for de-addiction from drug or alcohol or other substance.
  • Any condition directly or indirectly caused by or associated with human immunodeficiency virus or variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS.
  • Vaccination or inoculation except as part of post-bite treatment for animal bite.
  • Treatment for any mental illness or psychiatric or psychological ailment/ condition.
  • Outpatient department treatment.
  • Genetic disorders and stem cell implantation/ surgery/ storage.
  • Treatments in health hydro, spas, nature care clinics and the like.
  • Experimental and unproven treatment.
  • Disease/ illness or injury whilst performing duties as a serving member of a military or police force.

Disclaimer: The above information is only indicative in nature. For full details of the coverage & exclusions please contact our nearest office and refer to the policy documents.