SBI General Arogya Top UP Policy

What is the Plan all About?

Serious illness/accident comes without any notice and may eat up all your sum insured in a single claim. SBI General’s Arogya Top Up Policy provides additional protection against rising medical costs.

Key Features

Wide coverage options for you & your family
No pre-policy medical check-up up to the age of 55 years having no medical history
Avail AYUSH benefits
Reinstatement of sum insured on payment of additional premium
Tax benefits
Fast, fair, & transparent claims procedure

Policy Benefits

In-patient hospitalization expenses, including Room Rent, Boarding, Nursing Expenses, Medical Practitioner Fees, etc. are covered.
Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses are covered for 90 days after hospitalization.
142 Day Care Procedures/Surgeries are covered up to the sum insured, for which the insured person requires hospitalization for less than 24 hours.
Organ donor’s treatment expenses for harvesting of the organ donated, including pre & post hospitalization, are covered as mentioned in the policy benefits.
Domiciliary hospitalization expenses are covered, as specified under the policy.
Maternity expenses are covered, as specified under the policy.

Value Added Benefits

Reimbursement of alternative treatment AYUSHis covered when treatment is taken in any government Hospital, any institute Accredited by Quality Council of India, National Accreditation Board on Health or other hospital as specified under the policy.
Ambulance charges are reimbursed.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

No sub-limit for room rent.
Ambulance charges are covered up to actual expenses incurred or Rs 5,000, whichever is less are reimbursed for per valid hospitalization.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: Some diseases/surgeries such as Hydrocele, Hernia, Cataract, Tonsillectomy, Hypertension, Diabetes, etc. are covered after 1 year from the commencement of the policy.
Pre existing Disease Waiting Period: Any pre-existing disease until 48 months of continuous policy coverage, from date of inception of the first policy.
Maternity Waiting period: There is a waiting period of 9 months when medical expenses incurred towards maternity hospitalization.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	3 Months	70 Years
Sum Assured	1 Lac	50 Lacs
Deductible	1 Lac	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Reinstatement Of Sum Insured	-