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Supercharge Your Coverage

With An Extra Boost!

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

    Customers Served

  • 18,000+

    Network Hospitals

  • 180+

    Branches

What Is SBIG Health Super Top-Up Health Insurance?

SBIG Health Super Top-Up Insurance provides an enhanced layer of coverage beyond your primary health insurance policy. Unlike regular top-up plans that activate after a single claim exceeds the deductible, this super top-up plan considers the cumulative total of all claims within the policy period, offering a more comprehensive coverage solution. This approach ensures that even if you face multiple medical expenses throughout the year, you are protected once your overall medical costs exceed the deductible.

Benefits of SBIG Health Super Top-Up Insurance include extensive coverage for pre-existing diseases, day-care procedures, and the convenience of cashless hospitalizations. It offers sum insured options ranging from ₹5 lakh to ₹4 crore & deductible from ₹2 lakh to ₹2 crore, catering to a wide range of coverage needs. This plan is designed to provide peace of mind and financial security, ensuring that you are not burdened by high medical expenses when your primary insurance policy falls short.

What is Super Top-Up Health Insurance

Key Features of SBIG Health Super Top-Up Insurance

Key FeaturesDescription
Sum Insured₹5 Lakh to ₹4 Crore
PremiumVaries based on sum insured, age and plan variant
EligibilityMinimum: 18 years
Maximum: No limit
Deductible₹2 Lakh to ₹2 Crore
Waiting Period30 days for general illnesses; 24 months for specific diseases and pre-existing conditions
Tax BenefitEligible for tax benefits under Section 126 of the Income Tax Act, 2025
Hospital NetworkWide network of empanelled hospitals across India

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

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What’s Covered Under SBIG Health Super Top-Up Insurance?

In Patient Treatment

Comprehensive coverage for medical expenses incurred during hospitalization, including room rent, nursing charges, ICU charges, and other related expenses.

Pre-Hospitalization

Medical Expenses

Covers medical expenses incurred up to a specified number of days prior to hospitalization. This includes diagnostic tests, consultations, and medications.

Post Hospitalization 

Medical Expenses

Provides coverage for medical expenses incurred up to a specified number of days after being discharged from the hospital. This includes follow-up consultations, diagnostic tests, and medications.

Day Care Treatment

Coverage for medical treatments and procedures that do not require an overnight hospital stay. This includes surgeries and other advanced treatments performed in a day care setting.

Organ Donor

Covers the medical and surgical expenses related to the harvesting of an organ from a donor for the insured person’s transplantation.

Modern Treatment

Includes coverage for advanced medical treatments and procedures, such as robotic surgeries and stem cell therapy.

AYUSH Treatment

Provides coverage for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems of medicine.

Domiciliary Hospitalization

Covers the costs of treatment at home when hospitalization is not possible due to the patient’s condition or unavailability of hospital beds.

Road Ambulance

Covers the expenses of using an ambulance service for transporting the insured person to the hospital during an emergency.

Home Health Care

Provides coverage for healthcare services received at home, including nursing care and physiotherapy.

Disclaimer: The terms and conditions of these covers are mentioned in the policy wordings of SBIG Health Super Top-Up. People are advised to go through the policy wordings carefully before buying the plan.

What’s Not Covered Under SBIG Health Super Top-Up Insurance?

What's not covered
  • Investigation & Evaluation
  • Rest Cure, rehabilitation, and respite care
  • Obesity/ Weight Control
  • Change of Gender treatments
  • Cosmetic or Plastic surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Substance Abuse and Alcohol
  • Wellness and Rejuvenation
  • Dietary Supplements & Substances
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity (Not Applicable if 'Maternity Expenses' benefit is opted)

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 SBIG Health Super 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

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.

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avail cashless treatment without any inconvenience.

FAQs About SBIG Health Super Top-Up Insurance

What is SBIG Health Super Top-Up Policy?

  • SBIG Health Super Top Up is a comprehensive product that covers hospitalization expenses above the chosen deductible limit and also offers a host of optional covers.

What is a deductible?

A deductible is an amount you agree to pay towards your medical bills before a top- up plan like SBIG Health Super Top-Up can step in to cover your hospital expenses.

What is the entry age under SBIG Health Super Top-Up Product?

Adult Age Eligibility: Minimum 18 years – Maximum No Limit (Lifelong) Children Age Eligibility: Minimum 91 days – Maximum 25 yea

Can one take SBIG Health Super Top-Up as a stand-alone product?

Yes, SBIG Health Super Top-Up can be taken as a stand-alone product. It can also be taken along with other Health Insurance Policies (e.g. Super Health) or Group Health Insurance Products.

Do I need to undergo Medical tests for taking this policy?

Yes, Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured and deductible opted.

Is the Policy available for long term?

Yes, the policy is available for 1 year, 2 years and 3 years.

Product Name : SBIG Health Super Top-Up

UIN
SBIHLIP25035V012425
DISCLAIMER:
The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Number of network hospitals would differ based on the TPA servicing your policy.
#T&C Apply

Policy Documents