SBI Arogya Top Up
SBI
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Room Rent Covered Up to Sum Insured
The policy covers normal room rent and ICU charges up to the sum insured, ensuring flexibility in hospitalization choices.
Advanced Treatments
Covers robotic surgery, stem cell therapy, and specialized treatments, ensuring enhanced medical care and improved recovery for critical conditions.
Brochure
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Covered up to Sum Insured
- ICU: Covered up to Sum Insured
- Normal: 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.
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.
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.
Exclusions
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
