How does the waiting period affect my coverage?

Arogya Top-Up has a 30-day initial, 24-month specific illness, and 48-month pre-existing condition waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

Arogya Top-Up does not offer a no-claim bonus, as it operates on a deductible basis.

Will my health insurance cover treatment abroad?

Arogya Top-Up does not cover treatment abroad; coverage is strictly limited to India.

How does the core top-up feature interact with my existing health insurance policy or baseline financial thresholds?

The policy incorporates a high deductible configuration that allows applicants to select an initial out-of-pocket threshold, enabling the top-up cover to activate seamlessly as a cost-effective financial backup immediately after your primary medical protection limits are fully exhausted.

Is there a mandatory cost-sharing requirement enforced on standard claims processed under this top-up plan?

No, the policy does not mandate a co-payment clause for general claim processing, ensuring that the insurance company absorbs 100% of the admissible medical bill exceeding your selected deductible without requiring any out-of-pocket shared layout.

OneAssure

Health Insurance

SBI

Arogya Top-up

SBI Arogya Top Up

Experience India's most trusted health insurance with SBI Health Insurance. Get instant cashless treatment at 9000 network hospitals with sum insured up to ₹50 lakhs.

97%

Claim Settlement Ratio

9000+

Network Hospitals

7.8

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

97%

Claim Settlement Ratio

9000+

Network Hospitals

7.8

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: SBI Arogya Top-up

Final Verdict

SBI Arogya Top-Up offers additional coverage with flexible sum insured and deductible options. Ideal for individuals with existing health plans who need extra protection, but has a waiting period for maternity cover.

About

About SBI Arogya Top-up

The Arogya Top-Up Policy by SBI General Insurance enhances your existing health coverage with additional benefits. It offers sum insured options ranging from ₹1 lakh to ₹50 lakh, with deductibles between ₹1 lakh and ₹10 lakh. The policy covers 60 days of pre-hospitalization and 90 days of post-hospitalization expenses, 141 daycare procedures, organ donor expenses, and AYUSH treatments. Notably, no pre-policy medical tests are required for individuals up to 55 years without medical history.

Arogya Top-up Ratings

Ratings: SBI Arogya Top-up

Insurer Rating

8.91

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of SBI Arogya Top-up

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

No co-payment is required; the policy operates on a deductible basis, where claims above the chosen deductible are payable.

Cashless Healthcare Providers

Access to 16,881 network hospitals

Waiting Period

Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.

Daycare Treatment

Coverage for 142 specified daycare procedures that don't require 24-hour hospitalization.

AYUSH Treatment

Expenses for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments are covered up to the sum insured.

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Co-payment

No co-payment is required; the policy operates on a deductible basis, where claims above the chosen deductible are payable.

Exclusions

Pre-existing diseases are covered after a 48-month waiting period.
Specific illnesses have a 12-month or 90-day waiting period.
Maternity expenses are excluded for the first 9 months.
Treatments outside India are not covered.
Cosmetic or aesthetic procedures are excluded.

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About the company

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans.
SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds global covеragе, prеvеntivе wеllnеss bеnеfits, and top-up options to strеngthеn protеction according to variеd hеalthcarе nееds.

SBI Hеalth Insurancе is onе of India’s most rеliablе and customеr-focusеd hеalth insurancе providеrs, dеdicatеd to еnsuring complеtе financial sеcurity during mеdical еmеrgеnciеs. Thе company strivеs to makе quality hеalthcarе accеssiblе through its widе rangе of affordablе and comprеhеnsivе plans. SBI Hеalth offеrs divеrsе policy options dеsignеd for individuals, familiеs, sеnior citizеns, and corporatе еmployееs. Each plan providеs covеragе for hospitalisation costs, surgеriеs, daycarе procеdurеs, and prе and post-hospitalisation еxpеnsеs. In addition, thе insurеr еxtеnds...