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.

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 20000 network hospitals with sum insured up to ₹50 lakhs.

97%

Claim Settlement Ratio

20000+

Network Hospitals

7.8

Customer Rating

Brochure

Policy Wording

Get a Quote

97%

Claim Settlement Ratio

20000+

Network Hospitals

7.8

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: SBI Health Insurance

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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 Health Insurance

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.

Inclusions and Exclusions

Inclusions and Exclusions of SBI Insurance Company Limited

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 surgeriesBronchical ThermoplastyVaporisation 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.

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.

Cashless Healthcare Providers

Access to 16,881 network hospitals

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 surgeriesBronchical ThermoplastyVaporisation 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.

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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...