General Insurance

SBI General Arogya Top up Policy

Eligibility Criteria

Minimum Entry Age 3 months for children, 18 years for adults
Maximum Entry Age 65 years of age


  • Wide coverage from Rs. 1 lac to Rs. 50 lacs.
  • Maternity expenses covered after a waiting period of 9 months
  • 142 day care expenses covered.

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a wide coverage of Rs. 1 lac to Rs. 50 lacs.
In-patient hospitalisation

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.

It covers the medical expenses due to an illness before the insured is hospitalized.
The plan covers pre-hospitalization expenses 60 days prior to date of admission into the hospital.

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers pre-hospitalization expenses 90 days after the date of discharge into the hospital.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
This plan covers ambulance expenses up to Rs. 5000/- per hospitalization.

Other Features

Alternative treatment

Treatment like AYUSH, will be considered as alternative treatment
This plan covers alternative treatment such as AYUSH.
Domiciliary Hospitalization

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization.
The plan covers domiciliary hospitalization up to Sum Insured.
Day Care Treatments

These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center.
Covers Select Day care surgery where less than 24 hours hospitalization for specified procedures like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental surgery (due to accident), Tonsillectomy, etc. Are covered.
Restoration of Sum Insured

Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period.
If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with 100% of sum insured.
Organ Donor Cover

The medical expenses for an organ donor's treatment in the event of organ transplantation.
This policy covers the expenses for organ donor’s treatment up to Sum Insured.


  • Any disease contracted during the first 30 days commencement of the policy.
  • Joint replacement surgery shall be covered after a waiting period of 3 years from commencement of policy except done due to an accident.
  • Congenital diseases
  • All expenses related to AIDS and related diseases.
  • Use/Abuse of intoxicating drugs or alcohol.