SBI General appDownload App
Select Language
SBI General
PMFBYPMFBY Logo
SBI General
Products
Main

Enhance Your Health Insurance Cover!

Arogya Top-Up Insurance
Renew Your Health Policy
Renew Your Health Policy
  • 14Cr+

    Customers Served

  • 18,000+

    Network Hospitals

  • 180+

    Branches

What Is Arogya Top Up Insurance?

Have you ever felt your insurance plan doesn't feel safe? Arogya Top Up Health Insurance is designed to provide additional financial protection against rising medical costs. This policy is ideal for individuals and families with a basic health insurance plan but seeking extra coverage at an affordable premium. The policy covers medical expenses that exceed a specified deductible amount, ensuring that high out-of-pocket costs do not burden policyholders during medical emergencies.




Available for individuals aged between 3 months and 65 years, with a maximum entry age of 70 years for a deductible of ₹5 lakh, this policy can be purchased for 1, 2, or 3 years. It offers flexibility and peace of mind, allowing policyholders to focus on recovery rather than financial stress. With Arogya Top Up, SBI General aims to make healthcare more accessible and affordable.

What is Arogya Top Up Insurance

Key Benefits of Arogya Top Up Insurance by SBIG

SBI General Key FeaturesBenefits
Sum Insured₹1 Lakh to ₹50 Lakh
PremiumAffordable premiums based on sum insured and deductible
EligibilityIndividuals aged 3 months to 65 years (entry age up to 70 years for ₹5 lakh deductible)
Free Look Period30 days from the date of receipt of the policy document .
Waiting Period30 days for general illnesses; 12 months for specific diseases and 36 months for pre-existing conditions
Tax BenefitsEligible for tax benefits under Section 126 of the Income Tax Act, 2025
Health CheckupsCovered as per policy terms
Lifetime RenewabilityYes, lifelong renewability
No Claim Bonus (NCB)Not applicable for top-up policies
Hospital NetworkWide network of empaneled hospitals across India

(*Please ensure you read the policy terms and conditions in detail before buying your plan.)

It’s time to consider purchasing a health insurance plan! Tailor your Plan as per your Need!

What’s Covered Under Arogya Top Up Policy

In-Patient Hospitalization

Covers medical expenses for hospitalization exceeding 24 hours, including room rent, ICU charges, doctor’s fees, surgery costs, nursing care, diagnostic tests, medications, and other related medical expenses during the hospital stay.

Pre-Hospitalization

Covers medical expenses incurred up to 60 days before hospitalization, such as consultations, diagnostic tests, medications, treatments, and any necessary procedures to prepare for the upcoming hospital admission and ensure the patient’s readiness.

Post-Hospitalization

Covers medical expenses incurred up to 90 days after discharge, including follow-up consultations, diagnostic tests, medications, rehabilitation therapies, home nursing care, and other treatments required for the patient’s complete recovery and well-being.

Day Care Procedures

Covers medical expenses for treatments that do not require 24-hour hospitalization, such as cataract surgery, chemotherapy, dialysis, radiotherapy, and other advanced medical procedures performed in a day, ensuring minimal disruption to the patient’s routine.

Ambulance Charges

Covers expenses for ambulance services used to transport the insured to the hospital in an emergency, ensuring timely medical attention, immediate care during critical situations, and safe transportation to the healthcare facility.

Organ Donor Expenses

Covers medical expenses related to organ donation, including the donor’s hospitalization, surgery costs, post-operative care, medications, and other associated medical expenses to facilitate the organ transplant and ensure the donor’s well-being.

Domiciliary Treatment

Covers medical expenses for treatments taken at home when hospital admission is not possible due to the patient’s condition, ensuring continuous medical care, support from healthcare professionals, and necessary medical equipment at home

Diagnostic Procedures

Covers expenses for diagnostic tests and procedures required during hospitalization, ensuring accurate diagnosis, effective treatment planning, monitoring of the patient’s health condition, and timely adjustments to the treatment regimen.

Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBI Arogya Top Up policy. Please go through the policy wordings carefully before buying the plan.

What’s Not Covered Under Arogya Top Up Insurance?

What's not covered
  • Pre-existing diseases for the first 3 years
  • Specified Conditions During The First Year
  • Treatment Taken Outside India
  • Outpatient Department Treatment
  • Experimental Treatment
  • Expenses For Cosmetic & Plastic Surgery
  • Change-Of-Gender Treatment
  • Unproven Treatments

Disclaimer: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions, please refer to policy wordings.

How To Buy Arogya Top Up Insurance Online?

Input your mobile number, name, and pin code, and click ‘Proceed.’

1

Select insured members, choose a plan, select the sum insured, and needed coverages.

2

Input all the details, such as proposer details, EIA, nominee details, etc.

3

You can pay online and get your policy right away in your inbox.

4

Check out 8 helpful Tips to help you in choosing the Right Health Insurance!

Check Out!

How to File Your Health Insurance Claim?

Cashless Facility
Procedure

Visit the nearest SBIG network hospital to avail cashless facility. Present your SBIG health card at the insurance desk in the network hospital.

Pre- Authorization Process

The network hospital will verify your identity and submit a duly filled pre-authorization form, along with relevant documents, to SBI General Insurance.

Cashless Treatment Admission

Upon approval, you can get admitted and avail cashless treatment as per your policy coverage.

Claim Settlement

After discharge, the hospital will send your claim documents to SBI General’s office for settlement of hospitalization expenses.

Find Nearest Hospital

18,000+

Network Hospital

ArogyaTopupBenefit from our wide range of network hospitals &
avail cashless treatment without any inconvenience.

FAQs about Arogya Top up Policy

Who can be covered under the policy?

Anyone of age between 91 days to 65 years can be covered under the policy.

Can a proposer without any basic health insurance policy buy the Arogya Top up Policy?

Yes, the Arogya Top up Policy can be bought by a person without any basic health insurance policy.

Is organ donor pretest covered under the policy?

Yes, the organ donor pretest expenses are covered under the policy.

Is maternity hospitalization covered under the policy?

Yes, maternity hospitalization expenses are payable under the policy with a waiting period of 9 months – subject to the deductible amount.

Is Reinstatement of Sum Insured allowed under the policy?

Yes, the Sum Insured can be reinstated on payment of pro rata additional premium for the balance period; however, the insured has to opt for this benefit at the time of the inception of the policy.

What is the Sum Insured options under the policy?

Sum Insured options available are 1 lakh to 50 lakh, with increment of 1 lakh

What are the deductible options under the policy?

The policy has an option of deductible from 1 lakh to 10 lakh, with increment of 1 lakh.

Are ambulance charges payable under the policy?

Yes, the ambulance charges up to 5000/- for the policy period are payable.

Is the policy available for long term?

Yes, the policy is available for up to 3 years.

Product Name : Arogya Top up Policy

Product UIN
SBIHLIP22137V032122
Disclaimer:
For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. Premium rates are exclusive of loading and discounts.
Tax Benefits are subject to change in Tax Laws
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply

Policy Documents