Buy/Renew Arogya Top-Up Health Insurance Plans & Policy

Enhance Your Health
Insurance Cover for Better
Security

No Medical Check-up upto 55 Years of Age

Individuals up to 55 years of age & no pre-existing medical condition need not undergo any medical tests to avail this policy.

Pre- and Post-Hospitalization

Coverage of 60 days prior to admission and 90 days after discharge from the hospital.

Tax Exemption**

Premium paid towards the policy is exempt from Income Tax under Section 80D of the Income Tax Act.

Wide Coverage

Wide coverage from ₹1 lakh to ₹50 lakhs with deductible option of ₹1 lakh to ₹10 lakhs.

Why Arogya Top up Policy?

Enhanced Protection At An Attractive Premium.

Due to rising medical costs & increasing lifestyle diseases, your healthcare expenses can often exceed the insurance coverage you have. SBI General’s Arogya Top up Policy helps you get enhanced protection at a low premium so that you can meet your additional medical costs without burning a hole in your pocket.

Who Can Buy This Policy?
Any individual between 18 to 65 years of age ( Extended up to 70 years with minimum deductible of ₹5 Lakh ) can buy this policy for oneself, their spouse, dependent children (91 days - 25 years) parents & parents-in-law.

What is Covered Under Arogya Top up Health Insurance Plan?

Take a look at the various features and benefits of the Arogya Top up policy offered by SBI General Insurance

Benefits
- No medical check-up upto 55 years age for individuals with no medical history
- 141 daycare expenses
- Comprehensive coverage: pre-and-post-hospitalization
- Wide coverage: Sum Insured from Rs. 1,00,000 to Rs. 50,00,000
- IT exemption: Under Section 80D of the Income Tax Act**
What’s Covered
What’s Not Covered

Benefits
What’s Covered
What’s Not Covered

Benefits

No medical check-up upto 55 years age for individuals with no medical history
141 daycare expenses
Comprehensive coverage: pre-and-post-hospitalization
Wide coverage: Sum Insured from Rs. 1,00,000 to Rs. 50,00,000
IT exemption: Under Section 80D of the Income Tax Act**

What’s Covered

Room rent, doctor’s fees, ICU charges, boarding expenses, nursing costs
Drugs, medicines and consumables consumed during hospitalization
Pre-Hospitalisation Expenses Up To 60 Days For Each Hospitalisation
Post-Hospitalization Expenses Up To 90 Days For Each Hospitalization
Day Care expenses for 141 daycare procedures
Physiotherapy as inpatient care and being part of the treatment
Maternity expenses after first 9 months
Reasonable & customary charges towards domiciliary hospitalization

What’s Not Covered

We will not pay expenses in the following cases

Pre-existing diseases for the first 4 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

Important Note

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

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We Know That Trust Is Earned

10.83Cr

Customers

SBI General has been a pillar of support for over 10.83 crore customers till date. As one of the leading general insurers in India, we work towards offering our customers "Suraksha Aur Bharosa Dono"

23000+

SBI Branches

We have strong distribution partners adding up our reach to every nook and corner of India, with SBI’s over 23000+ branch network, Agents, Banks, other financial institutes, OEMs and digital partners.

₹24000Cr+

Claims Handled

Over ₹24000 Crore worth of claims have been handled by SBI General Insurance till date. Our fast, fair & transparent claims process allows our customers to stay in control of their finances.

140+

Locations

Spread across 140+ locations in India and with a digital presence that is accessible across all locations in the country, SBI General Insurance offers unmatched accessibility to all its customers

7206

Network Garages

With SBI General Insurance, you can avail cashless claim facility by getting your vehicle repaired at any of our network garages. We offer servicing through 7206 network garages across the country.

23000+

Network Hospitals

With an aim to provide easily accessible best-in-class medical facilities to all its valued customers, SBI General Insurance offers servicing through *23000+ network hospitals across the country (Inhouse and Third-Party Administrator Network)

FAQs about Arogya Top up Policy

Here are the commonly asked questions about Arogya Top up Policy

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

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

Yes, the organ donor pretest expenses are 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.

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.

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

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

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

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

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.
*Starting from Rs.81/Month for 1 Adult-Age 19 years ; ₹5 Lakh Sum Insured & ₹3 Lakh Deductible (Exclusive Taxes)
**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.
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