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