Sbi Arogya Top Up Plan
SBI General Insurance Company Limited
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.
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Policy Wording
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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
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Features of the Product
Room Rent (Normal & ICU)
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.
Waiting Periods
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
Day Care Treatments
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
Maternity Cover - Available after a 9-month waiting period, covering maternity-related expenses.
Add-ons
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About the Company
SBI General Insurance was established in 2009 as a joint venture between State Bank of India and Insurance Australia Group (IAG). Headquartered in Mumbai, India, the company offers a comprehensive range of insurance products such as motor, health, home, travel, and commercial insurance. Their policies are designed to meet various customer needs, from individual coverage to family and corporate plans. The company also emphasizes customer-centric services and easy claim processes.
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