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SBI Arogya Top Up Health Insurance Plan

SBI Arogya Top Up Health Insurance Plan - The top up health plan from SBI General is ideal to meet the expenses of unexpected critical events like accidents or illnesses over and above the basic insurance plan. With a large top up cover, the policy helps the individual and the family (under the floater plan), meet the large costs of hospitalisation and recovery nowadays. Listed below are the essential features of the plan:

  • The plan comes in Individual / Family and Family Floater options with the Family plan also including the parents and parents-in-law in addition to the insured, his or her spouse and dependent children. The Family Floater plan does not include the parents or the parents-in-law
  • No medical tests are required for people upto the age of 55 years
  • Offers a large coverage starting from Rs. 1,00,000 and up to Rs. 50,00,000 with deductible option of Rs. 1,00,000 to Rs. 10,00,000. The deductible option comes in multiples of 1 lakh
  • Has a policy term of 1, 2 or 3 years, with a 5% discount in premium for 2 year policy and 7.5% for a 3 year plan
  • Provides an SBI health insurance claim cover of 60 days and 90 days for pre hospitalisation and post hospitalisation respectively
  • Covers over 142 day care expenses, maternity expenses (after the first 9 months of taking the policy), and even organ donor expenses
  • Offers a reimbursement up to Rs. 5,000 for ambulance charges
  • Covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH)
  • Provides tax deduction under section 80D of the Income Tax Act
  • Has a grace period of 30 days from the last day of the policy tenure for SBI Health Insurance renewal.