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SBI Arogya Top-up Policy is a top-up policy that provides additional coverage to policyholders against increasing medical expenses. The policy provides extra protection cover at a low premium and is available as an individual and family floater plan.

Features & Benefits

  • Comprehensive insurance coverage including pre and post hospitalization expenses
  • No medical checkup required up to 55 years of age for customers who do not have any medical history
  • Sum insured between Rs. 1 lakh – Rs. 50 lakhs
  • AYUSH cover available
  • Offers coverage of 141-day care expenses 
  • Ambulance charges up to Rs. 5,000 per hospitalization covered
  • Maternity expenses incurred after 9 months waiting period covered
  • Organ donor expenses covered
  • Mental illness, genetic disorders and related conditions covered up to Rs. 1 lakh
  • HIV/AIDS treatment up to Rs. 1 lakh covered except for those conditions which are exclusively excluded
  • Expenses for 12 developed treatments and procedures are covered up to 50% of the sum assured
  • Premium paid qualifies for tax exemption u/s 80 D of the Income Tax Act, 1961.


ParticularsPolicy Coverage/Particulars


Individual /Family-Floater

Sum Insured

Rs. 1 lakh – Rs. 50 lakhs


Rs. 1 lakh – Rs. 10 lakhs

Eligibility (years)

3 months - 65 years


1/2/3 years

Day Care Coverage

141 procedures allowed

Multiple coverages


Key Points to Remember: 

SBI  Arogya Top-up Policy is a type of top-up policy that gives additional cover to the policyholder for meeting increasing medical expenses.

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