Life is too uncertain. With medical inflation reaching sky high, the expenses can literally wreck you down in case of some serious illness or accident. There might be times, when the medical expenses can be even higher than the total sum insured amount of your regular health insurance policy. But, with SBI General’s Arogya Top-Up Policy in place, it can help you add an extra shield of protection at a very low premium for you to easily overcome the medical inflation over and above your pre- decided health insurance amount.
In case the insured person exhausts the total amount of the sum insured including the no-claim bonus, the SBI Arogya Top-Up Policy offers 100% restoration of the sum insured during the policy period on payment of additional premium.
AYUSH comes under the alternative treatment that SBI Arogya Top-up Policy covers. If you get treated for AYUSH in any government hospital or any institute that is accredited by Quality Council of India or the National Accreditation Board on Health or any other hospital that is mentioned under the policy, the amount would be reimbursed. This policy also reimburses the Ambulance charges.
The premiums that you pay for the SBI Arogya Top-up policy, offers you a tax benefit under Section 80D of the Income Tax Act, 1961.
Pre-existing health conditions for the first 4 years of the policy period
Injuries that are take place due to war or warlike activities
Any illness or disease that arise within the first 30 days of commencement of the policy except the accidental injuries
Health Conditions such as gall bladder stone, diabetes, calculus diseases, hernia, hydrocele, tonsillectomy, benign prostatic hypertrophy, surgery of varicose veins, sinusitis, gastric or duodenal ulcers, chronic renal failure, non-infective arthritis, medical expenses for treatments that are taken outside India
Cosmetic or aesthetic treatment of all kinds
Any sexually transmitted diseases or venereal diseases
Any kind of convalescence or comfort expenses related to hospital stay
Any treatments that take place in nature care clinics, hydro, spas, etc.
Injuries sustained by exposure to nuclear weapons or radioactivity
Maternity expenses for the first 9 months of the policy
Medical treatments that are undertaken due to obesity, weight loss, and weight management
Injuries occurred due to influence of alcohol or drugs
Intentional self-injuries, suicide, or attempt to suicide
Injuries sustained during service under military or police
Minimum Entry Age 3 months for children and 18 years for adults
Maximum Entry Age 65 years of age
70 years (in case Rs.5 lakh deductible chosen)
Policy term 1, 2 or 3 years
Here is a list of documents required to buy the SBI Arogya Top-up Policy:
KYC - Proof of ID and Proof of Address.
Proof of Date of Birth.
Medical check-up report, if required.
The SBI Arogya Top-up Policy is an online health insurance plan. You can renew this plan online by visiting the official website of SBI.
Then click on the ‘renew your policy’ tab and then enter the name of the policy- ‘SBI Arogya Top-up Policy;’ Select the tab, ‘renew’.
Then make the payment using your debit/credit card or netbanking. On successful payment, you will receive the SBI Arogya Top-up policy document in your inbox.
SBI Arogya Top-up plan has a claim process which is similar to any other health insurance policies offered by SBI General. In case of a cashless treatment facility, it is important that you inform the third-party administrator regarding the claim and also get a pre-authorisation. The authorization letter along with the ID card issued by SBI General should also be produced at the hospital. All the original bills as well as other proofs of treatment undertaken from the network hospital should be submitted to the insurance company.
In case of other hospitalisation claims, all you need to do is submit certain documents at the time of claim filing. Mentioned below are the documents required for this purpose:
On submission of these documents to the insurer, the process for claim settlement will commence. The insurance company will inform you with regards to the acceptance or rejection of the claim. If case the insurer rejects your claim, you will be notified in writing with a valid reason for the same. In case the insurer accepts your claim, the insurance company will compensate you within 7 days.
Here is a list of documents required to claim the SBI Arogya Top-up Policy:
We all know that accidents or any serious illnesses occur uninvited and may drain your pockets off. The SBI Arogya Top-up policy, offered by SBI General Insurance, offers you additional protection that may arise due to inflated medical costs. This policy is in demand due to the host of benefits it offers. The claim settlement process is smooth, fast, fair and transparent.
1.) Mr.Kiran Pawar : This policy helped me in a very critical phase of my life. My father suffered an emergency hospitalization and SBI Arogya Top-up policy offered us seamless and quick claim settlement process. Ambulance charges were also covered under this plan.
2.) Mrs. Madhavi Raut : SBI Arogya Top-up Policy proved as a saviour for our family. The hassle-free claim settlement services offered great relief and a stress-free environment back home. The drugs and medicines that were consumed by my mother during the hospitalization period were all reimbursed. Above all, it also helped to save tax under Section 80D of the Income Tax Act, 1961.
Is this policy available for long term?
No, the SBI Arogya Top-up policy is not available for long term. It can be availed only for a duration of 1 year, 2 years or 3 years.
Who can be covered under Arogya Top-up Policy?
Any individual whose age ranges from 3 months to 65 years can be covered under SBI Arogya Top-up Policy. Also, your family consisting of self, spouse and dependent children can also be covered under this policy on a family floater basis.
Is portability allowed under this policy?
Yes, portability is allowed under the SBI Arogya Top-up Policy.
Does this policy cover treatment by Ayurvedic method?
The SBI Arogya Top-up Plan offers coverage for alternative treatments such as Ayurvedic, Homeopathy or Unani, undertaken in a government hospital or institute is covered up to Sum Insured.
Is health check-up compulsory under this policy?
Pre-medical check-up is not compulsory up to the age of 55 years
