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SBI Health Insurance Top Up Plans
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Medical treatments are getting expensive day by day. Therefore, it is common for policyholders to exhaust their basic health insurance coverage in a single occurrence. This can leave you vulnerable to further medical treatment costs as you won’t have anything to cover the expenses. This is exactly where the top up plans from SBI General come in clutch! These plans cover you against a wide range of healthcare expenses, from hospitalization to even daycare procedures that don’t require 24 hours of hospitalisation. It seems like a noteworthy option for you to consider.
This page will offer a detailed description of the top up policy of SBI health insurance.
SBI Health Insurance Top Up Plan Highlights
SBI health insurance top up policies are great supplements to your basic ongoing health insurance policy. Your base health insurance comes with a sum insured amount. The insurance provider will not offer you anything over that sum limit. However, medical treatments are not always planned. You may need to pay over that sum limit due to any unfortunate circumstances.
A top up policy coverage kicks in as soon as your base sum insured is exhausted. It offers you an additional amount of sum insured to complete your medical procedures without any issues.
The policy highlights include:
- 60-day pre-hospitalisation coverage
- 90-day post-hospitalisation coverage
- Maternity coverage after initial 9 months
- 141 day care treatments are covered
- Ambulance expenses covered up to INR 5000 per event
Types of SBI Health Top Up Plans
SBI General offers a single health insurance top-up plan.
1. Arogya Top Up Health Insurance Policy
|Sum Insured||INR 1-50 lakh|
|Policy Term||1, 2 or 3 years|
|Deductible Amount||INR 1-10 lakh|
SBI Health Insurance Top Up Plan: Key Features & Benefits
SBI health insurance top up plans offer the following benefits over traditional top-up policies:
1. No Medical Screening Necessary
Most insurance plans require some sort of medical test or screening before the policyholder can buy the policy. Based on the same, the insurance company decides the premium amount. For example, if someone is found to carry any pre-existing illness or unhealthy habits like smoking or chewing tobacco, he or she will be offered a much higher premium amount since they are more likely to require hospitalisation. In the same way, if someone is found totally healthy, they can enjoy lower premium amounts.
SBI General’s Arogya Top up policy removes such requirements by making medical screening before coverage non-mandatory for policyholders up to 55 years. This makes these policyholders no longer need to go over the tedious process of healthcare exams before they top up SBI health insurance. However, policyholders aged above the said threshold have to undergo such healthcare tests before applying for health insurance.
2. Sum Insured Reinstatement
For those who have opted for basic health insurance, it is good to know about top-up plans. Though health insurance plans offer you a lot of perks, there could be times when your coverage needs an upgrade. This is where top-up plans come into play. The main idea behind offering top up plans is that they provide you additional cover in case your basic plan runs out before its time.
Reinstatement of the sum insured means the top plan coverage is refilled in case the sum insured is exhausted. So, it offers another layer of protection over your base health insurance plan.
3. Alternative Treatment Cover
Alternative medicine is known to impact your health positively. Ayurveda, an ancient system of treatment that originated in India, has gained popularity over the years. AYUSH treatments are gaining acceptance due to their effectiveness and safety compared to allopathic methods.
Arogya Top Up Policy by SBI General offers AYUSH coverage. Take advantage of the SBI health top up policy for getting a hassle-free and on-time ayurvedic chartered physician appointment.
4. Tax Benefits
Policyholders of SBI health insurance top up plans enjoy tax deductions under Section 80D of the IT Act, 1961. If you are under 60 years, you will be entitled to a tax break of INR 25,000, including a preventive healthcare tax benefit of INR 5,000. However, if you are a senior citizen i.e. above the age limit of 60 years, you will be eligible for a tax deduction of up to INR 50,000, including the INR 5000 preventive healthcare tax benefit.
Therefore, if you are in a family plan with two senior citizens, you can claim tax deductions of up to INR 1,00,000.
Inclusions of the SBI Health Insurance Top Up Policy
Here are the inclusions of the SBI top-up health insurance plan, which makes it a great compliment to another base SBI health insurance policy.
- In-patient hospitalisation
- Pre-hospitalisation (60 days)
- Post-hospitalisation (90 days)
- Day care treatment
- Ambulance expenses (up to INR 5000)
- AYUSH treatment
- Domiciliary hospitalisation charges
- Maternity expenses after nine months
- Organ donor expenses
- HIV or AIDS treatment
- Mental illness coverage (a limit of INR 1 lakh applies to some conditions)
- Mental illness in-patient treatment coverage (a limit of INR 1 lakh applies to some conditions)
- Internal congenital diseases
- Advanced treatments
Exclusions of the SBI Health Insurance Top Up Policy
SBI health insurance has a specific list of situations it does not cover under its top-up health insurance policies. If you are looking for a comprehensive cover, you need to know the exclusions as well:
- Pre-existing illness for the initial four years
- Outside India treatments
- Experimental treatments
- Gender swap treatment
- Policy specified illness for the first year
- Outpatient department treatment
- Cosmetic and Plastic surgery expenses
- Unproved treatment
The following are the conditions for the SBI top up plan you need to meet:
|Coverage Type||Individual, Family Floater*|
|Age Requirement||3 months|
|Age Limit||65 years|
|Policy Term||1 / 2 / 3 years|
|Covered Relationships||Self, spouse, children, parents, siblings, in-laws, and more.|
*Family Floater plans are in the format of 2 adults + 2 dependent children.
Things to Consider When Buying SBI Health Insurance Top Up Plans
This is a checklist of things you need to consider when purchasing SBI health insurance top up plans:
Of course, when looking for the best plan, the premium amount should be your priority, and it should be important enough to drive you to make a choice. This is because most plans have different premiums depending on several factors.
Arogya Top Up Health Insurance Policy’s premium can differ based on factors such as the age of the insured members, the coverage amount opted by them, etc. If you choose additional optional coverage, the premium will increase accordingly.
- Insured Sum and Deductible Amount
While most people have no idea what this term means, it is important to understand the difference between an insured sum and a policy deductible. It's important to check your policy documents clearly. However, even after checking the same, you may not be able to understand the terms clearly. Let us help you understand the same better.
The insured sum is the amount you will receive as additional coverage once your base plan is exhausted. In comparison, the deductible amount is what you’ll need to spend to receive the additional top-up coverage. Arogya Top Up Health Insurance Policy has an insured sum of INR 1 lakh to 50 lakhs with a deductible amount of INR 1 lakh to 10 lakh.
- Network Hospital
Network hospitals are among the most crucial things to consider when searching for quality health insurance. The fact is that your future health is contingent on the quality of care you receive throughout your lifetime, you should invest in the best possible care that you can get.
SBI has a network of more than 6000 hospitals and medical facilities, making it one of the better insurance providers for cashless treatment.
- Family Size
SBI health insurance top up plans come as a family floater policy consisting of 4 individuals. The format is two dependent children with two adults. The adults can be the policyholder, his or her spouse, dependent parent(s), parent(s)-in-law, siblings etc.
- Tax Breaks
Section 80D of the Income Tax Act offers tax breaks of up to INR 25,000 to policyholders under the age of 60 years and up to INR 50,000 to senior policyholders aged over 60 years.
How to Buy SBI Health Insurance Top Up Policy?
The steps below will walk you through the process of obtaining SBI health top up policies through Paytm Insurance:
- Please visit https://paytminsurance.co.in/ to start the process.
- Choose 'health insurance' from the homepage.
- From the drop-down of the available companies box, select SBI health insurance.
- On the new webpage, complete the quick survey and then select 'proceed.'
- Enter your current age and local pin code on the following page.
- When you select 'get Quotes,' a fresh webpage with a summary of the firm's policies will display.
- Choose your preferred plan and pay for it online with Paytm Insurance.
SBI Health Insurance Top Up Plans FAQs
1. What sum insured choices are available with the SBI health insurance top-up plan?
SBI health insurance's top-up plan is available in sum insured choices ranging in value from INR 1 lakh to 50 lakh.
2. What are the deductible choices available with the SBI health insurance top-up plan?
Sum deductible choices for the SBI health insurance top-up plan range from INR 1 lakh to 10 lakh.
3. What is the policy tenure of the SBI health insurance top-up plan?
The SBI health insurance top-up plan policy terms range from 1 year to 3 years.
4. Does SBI health insurance cover AYUSH treatment?
Yes. SBI health insurance top-up plan covers AYUSH treatment expenses.
5. What are the age requirements for coverage under SBI health insurance top-up policy?
The minimum age and maximum age for the SBI health insurance top-up plan are three months and sixty five years, respectively.
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