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SBI Health Insurance Top-up & Super Top-up Plans

Extra medical coverage during your medical emergencies is provided by a top-up plan. On the other hand, a top-up plan only kicks in after your base plan's deductible has been reached. However, it is not necessary to purchase a base policy to obtain a top-up plan. Up to the deductible, the base policy assists with paying for medical expenses; after that, top-up coverage kicks in. The customer must pay for the expenses out of pocket or through the base policy until the amount agreed upon is reached before the deductible can be utilised.

The SBI Health Insurance Top-Up plan offers customers repeated claim coverage within the policy year, provided that the claims are made within the sum insured.[1]

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Benefits of SBI Health Top-Up Plans

The SBI Top-Up Plan offers the following advantages to its customers:[1]

  • No Medical Check-Ups: Customers who purchase the SBI Aarogya Health Top-Up plan are exempt from having to get a pre-medical examination until they turn 55. However, pre-medical testing becomes mandatory at the age of 55.
  • Daycare Expenses: Customers who purchase the SBI Aarogya Health Top-Up plan can receive daycare care for 141 days. The benefit of this plan is that policyholders can receive treatments within 24 hours without having to stay in a hospital while still receiving coverage.
  • Comprehensive Coverage: Under this top-up plan, policyholders benefit from pre- and post-hospitalization coverage. Pre-hospitalization coverage is for 60 days, and post-hospitalization coverage is for 90 days.
  • Wide Coverage: Wide coverage for all medical issues covered by the policyholder's policy, ranging from Rs. 1 lakh to Rs. 50 lakh, is provided by the SBI Aarogya Health Top-Up plan.
  • Income Tax Exemption: Under Section 80D of the Income Tax Act of 1961, policyholders of the SBI Aarogya Health Top-Up plan can receive tax benefits on their policy premium.

Eligibility for Buying a Top-Up Plan

The requirements for purchasing a top-up plan vary according to the plan and insurer. Individual and family floater policies are available with the SBI Aarogya Top-Up plan. [1]

Entry Age: 18 years old (adult), 3 months old (child)

Exit Age: 65 years old

Types of Top-Up Plans Offered by SBI

Top-up and Super Top-up are the two categories of Top-Up programs. After the deductible is depleted, the policyholder under a Top-up plan is limited to one claim each insurance year. On the other hand, when a consumer wears out their deductible amount, a super Top-up plan enables them to submit numerous claims within the policy year until they reach their total covered.

A Top-Up plan is provided to the customers by SBI Health Insurance. The benefit of renewability for policyholders up to 65 years of age. They also receive numerous other advantages.

SBI Aarogya Health Top-Up Plan

The following are the SBI Aarogya Health Top-Up plan's inclusions and exclusions:[1]



Room rent, doctor’s fees, ICU charges, boarding expenses, nursing costs

Pre-existing diseases for the first 4 years

Drugs, medicines and consumables consumed during hospitalisation

Specified Conditions During The First Year

Pre-Hospitalisation Expenses Up To 60 Days For Each Hospitalisation

Treatment Taken Outside India

Post-Hospitalization Expenses Up To 90 Days For Each Hospitalisation

Outpatient Department Treatment

Day Care expenses for 141 daycare procedures

Experimental Treatment

Physiotherapy as inpatient care and part of the treatment

Expenses For Cosmetic & Plastic Surgery

Maternity expenses after the first 9 months

Change-Of-Gender Treatment

Reasonable & Customary charges towards domiciliary hospitalisation

Unproven Treatments

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

SBI Health Insurance Plan List

  • Family (3)
  • Maternity (1)
  • Individual (3)
  • Senior Citizen (1)
  • Woman (1)
  • Critical Illness (1)
  • Kids (1)
  • Parents (1)
Name of PlanSum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 Years10 Lakh Check Premium
Arogya Plus PolicyMin: 3 Months; Max: 65 Years1 Lakh Check Premium
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years2 Lakh Check Premium
Hospital Daily CashMin: 90 Days; Max: 65 Years500/day Check Premium
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years50 Thousand Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day; Max; 65 Years50,000 - 5 lakh Check Premium
Corona Rakshak PolicyMin: 91 days; Max: 65 years50000 - 2.5 Lakh Check Premium

Factors to Consider While Choosing a Top-Up Plan

When buying a top-up plan, some considerations to make are as follows:

  • Deductible: Purchasing a top-up plan increases your coverage, but to use it, you must first meet your deductible amount. Customers typically choose a greater deductible since it results in a cheaper premium. The size of the deductible, however, must be chosen carefully and follow the customer's medical necessity.
  • Perks: There are numerous perks associated with each plan; nevertheless, customers should prioritise selecting a top-up plan that best suits their needs. It's crucial to understand your needs and adjust the plan appropriately. Ensuring that the top-up you select satisfies all of your needs and provides adequate coverage is crucial.
  • Coverage: Each plan has different coverage depending on the customer's age, plan, and health issues. Depending on their needs and health issues, family floaters, individuals, and senior persons have varied coverages in their policies.
  • Sub-Limits: Before selecting a top-up plan, make sure to review the sub-limits of each coverage. Customers should prefer lower sub-limits as they may restrict your coverage. Selecting a top-up package without any sub-limits is usually recommended. A policyholder may have to pay bills out of pocket as a result of sub-limits.
  • Waiting Period: A waiting period is a feature of all insurance plans. Customers only receive coverage for their medical procedures after this time has passed. When selecting a plan, always be sure to look up the treatment's waiting period. For the policyholder, a shorter waiting period is preferable.

How to Buy SBI Top-Up Plan with InsuranceDekho

Offline Process: InsuranceDekho's experts aid with the purchase of an SBI Aarogya Health Top-Up plan. To facilitate the process for the clients, an internal benefit is also offered. The consumer will receive guidance from the advisor throughout the procedure as well as explanations. The advisor handles any concerns to ensure that the customer is well informed about the plan and the purchasing process.

How to Renew Your Top-Up Plan

To extend your top-up plan, take the actions listed below:[2]

Step 1: Go to the InsuranceDekho webpage.

Step 2: Choose the "Support" menu item.

Step 3: Complete the form to get an OTP.

Step 4: To access the SBI Aarogya Health Top-Up dashboard, enter the OTP.

Step 5: To start the renewal process, click "Renew."

Step 6: Pay to finish the renewal procedure.

Note: For information about the renewal procedure, you can also visit the official website of SBI Aarogya HealthTop-Up Plan.

Contact Information


Helpline Number: 7551196989.


Ques 1. Which is better, Top-Up or Super-Up?

Answer: A top-up plan has a lower price than a super top-up plan, although the former offers more coverage. Since both plans have benefits, the customer's demands and requirements will determine which is best for them.

Ques 2. For a top-up plan, how long is the initial waiting period?

Answer: A top-up plan has a 30-day waiting period in place after it is purchased. To receive medical coverage, a policyholder must wait until these days.

Ques 3. How much are top-up plans? Why?

Answer: A top-up plan does indeed cost less. With top-up policies, to receive coverage, a customer must meet the deductible amount for each claim. This lowers the cost of a top-up plan.

Ques 4. What is the top-up plan's deductible amount?

Answer: The amount up to which the consumer must pay out-of-pocket or via their base insurance to obtain the coverage offered by the top-up plan. We call this the deductible amount, which is the maximum that must be met.

Ques 5. What distinguishes top-up plans from base policy? How?

Answer: Medical emergencies are covered by a base insurance up to the customer's sum insured. Nevertheless, coverage continues under a top plan even after the maximum covered amount is depleted. Additional coverage is offered by a top-up package.

Ques 6. Is there a minimum age requirement to purchase an SBI Health Insurance top-up plan?

Answer: For both individual and family floater plans, the minimum age to purchase an SBI Aarogya Health Top-Up plan is 18 years for an adult and 3 months for a child.

Ques 7. Is a base policy required while buying a top-up plan?

Answer: No, getting a top-up plan does not need owning a base insurance. On the other hand, a basic policy is preferable since it pays for a customer's medical bills up until the point at which their top-up plan's deductible is reached. Customers must pay out-of-pocket until they reach the deductible amount if there is no basic policy.

Ques 8. Could I port a top-up plan?

Answer: Yes, It is possible to port a top-up plan, but only if it is of a similar type and category.

Ques 9. Are there any drawbacks to a top-up plan?

Answer: Some top-up plans may have a limited renewal age, beyond which you cannot renew the insurance. Hence, you must ensure the coverage meets your needs at the time of renewal.

Ques 10. Can I buy top-up and super top-up plans at the same time?

Answer: Yes, you can acquire the top-up and super top-up plans simultaneously. It will make it easier for a client to receive coverage for medical issues from both policies.


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