Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeHealth top-up insuranceView source
General lists Arogya Top Up as a health insurance product for increasing protection above a deductible.
- Source
- General Arogya Top-Up Policy
- Page / section
- Product overview
- Accessed
- 23 Aug 2026
- Confidence
- high
Key coverageTop-up hospitalisation protection subject to the selected deductible, sum insured and policy exclusionsView source
The official product page presents Arogya Top Up as a top-up policy and directs customers to policy documents for controlling terms.
- Source
- General Arogya Top-Up Policy
- Page / section
- Benefits and policy terms
- Accessed
- 23 Aug 2026
- Confidence
- high
Sum insured₹1 lakh to ₹50 lakhView source
The official table and publish ₹1 lakh to ₹50 lakh in ₹1 lakh increments.
- Source
- General Arogya Top-Up Policy
- Page / section
- Key Benefits table and
- Accessed
- 23 Aug 2026
- Confidence
- high
Deductible options₹1 lakh to ₹10 lakh in ₹1 lakh incrementsView source
The official lists deductible options from ₹1 lakh to ₹10 lakh in ₹1 lakh increments.
- Source
- General Arogya Top-Up Policy
- Page / section
- Accessed
- 23 Aug 2026
- Confidence
- high
Entry age3 months to 65 years; maximum entry age 70 years for a ₹5 lakh deductibleView source
The official page publishes the standard age range and the special 70-year limit for a ₹5 lakh deductible.
- Source
- General Arogya Top-Up Policy
- Page / section
- Product overview and Key Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
Waiting periods30 days for general illnesses; 12 months for specified diseases; 36 months for pre-existing conditionsView source
The official table publishes all three waiting periods.
- Source
- General Arogya Top-Up Policy
- Page / section
- Key Benefits table
- Accessed
- 23 Aug 2026
- Confidence
- high
Policy term1, 2 or 3 yearsView source
The official states the policy is available for up to 3 years.
- Source
- General Arogya Top-Up Policy
- Page / section
- Accessed
- 23 Aug 2026
- Confidence
- high
Pre-hospitalisationCovered for expenses up to 60 days before hospitalisationView source
The official coverage section publishes a 60-day pre-hospitalisation window.
- Source
- General Arogya Top-Up Policy
- Page / section
- What's Covered
- Accessed
- 23 Aug 2026
- Confidence
- high
Post-hospitalisationCovered for expenses up to 90 days after dischargeView source
The official coverage section publishes a 90-day post-hospitalisation window.
- Source
- General Arogya Top-Up Policy
- Page / section
- What's Covered
- Accessed
- 23 Aug 2026
- Confidence
- high
InsurerSBI General Insurance Company LimitedView source
General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.
- Source
- General products
- Page / section
- General Products catalogue
- Accessed
- 23 Aug 2026
- Confidence
- high
PremiumSBI General publishes a per-member premium matrix by age, deductible and sum insured; the official chart covers sum insured from ₹1 lakh to ₹50 lakh and deductible from ₹1 lakh to ₹10 lakh. Rates are shown excluding GST, with separate family, term and direct-business discounts and tobacco/
The official premium table labels the values as office premium per member excluding and provides the full age × deductible/sum-insured matrix. The final page lists 10%/ 15%/ 20% family discounts, 5%/ 7.5% term discounts for two/ three years and a 15% direct-business discount.
- Source
- Arogya Top Up Policy — Premium Table
- Page / section
- Pages 1–14 — age, deductible and sum-insured premium matrix; page 14 discount/loading schedule
- Accessed
- 26 Aug 2026
- Confidence
- high
Key exclusionsThe current product page lists pre-existing diseases during the first 3 years, specified conditions during the first year, treatment outside India, outpatient treatment, experimental or unproven treatment, cosmetic or plastic surgery and change-of-gender treatment as exclusions; the policy wording controls the complete list.View source
The official page presents an illustrative exclusion list and expressly directs customers to the policy wordings for the exhaustive exclusions.
- Source
- Arogya Top Up Policy
- Page / section
- What’s Not Covered Under Arogya Top Up Insurance?
- Accessed
- 26 Aug 2026
- Confidence
- high
Geographic limitsTop-up hospitalisation protection subject to the selected deductible, sum insured and policy exclusionsView source
The manually reviewed product record states: “Top-up hospitalisation protection subject to the selected deductible, sum insured and policy exclusions”.
- Source
- General Arogya Top-Up Policy — official product page
- Page / section
- Published product metadata
- Accessed
- 23 Aug 2026
- Confidence
- high
Benefits and features
- Additional hospitalisation cover
Eligibility
- Deductible and plan terms apply
Passing a listed condition does not mean the bank will approve an application.
Related official documents
Arogya Top Up Policy — Premium Tablepremium-table · current · accessed 26 Aug 2026
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