Arogya Top Up

Arogya Top-Up is a health insurance plan which provides coverage on Indemnity basis up to specified sum insured subject to deductible for each event, so that you get enhanced protection at a low premium to meet the rising healthcare costs.

• The minimum entry age for Arogya top-Up is 3 months.
• The maximum entry age for Arogya top-Up is 65 years.

Age limit can be extended for 70 years with Minimum deductible of Rs. 5 lakhs.

Family means Self, Spouse, children, Parents and Parents in law.

The Sum insured options available under Arogya Top Up are in range of Rs. 1 lakh to Rs. 50 lakhs (in multiples of Rs. 1 lakh)

Deductible is cost-sharing requirement under a health insurance policy that provides that the Insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital daily cash policy which will apply before any benefits are payable by the Insurer. A deductible does not reduce the sum insured.

The deductible options available under Arogya Top Up are in range of Rs. 1 lakh to Rs. 10 lakhs (in multiples of Rs. 1 lakh).

The Policy tenure available under Arogya Top-Up is 1 year, 2 years and 3 years.

Yes, prehospitalization expenses are covered 60 days prior to hospitalization and, post hospitalization expenses are covered up to 90 days post discharge from hospital.

Yes, Pre policy medical tests are applicable for insured whose age is >55 years of age. Where the proposed insured person/s is/are suffering from an existing medical condition

Yes, below waiting periods will be applicable in Arogya Top-Up policy.

• Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
• Listed diseases and surgeries- One year and 90 days
• Pre-existing diseases: 48 months
• Maternity Benefit expenses - 9 months

The below sub-limits are applicable under Arogya Top-Up policy:

• Listed conditions under Mental illness are restricted to Sum insured Rs. 1lakh.
• Internal congenital diseases covered up to 10% of Sum insured.
• Listed 12 Advance treatment procedures covered up to 50

The policy can be renewed lifelong subject to terms and conditions.

Yes, premium paid for Arogya Top Up is available for tax rebate under Sec. 80D of the Income Tax Act.

Yes, floater discount as per below table is available for coverage of members under floater plans.

• 2 Members = 10%
• 3 Members = 15%
• 4 or more Members = 20%

Below long term discount is applicable for Arogya Top Up policy:

• For 2 years policy: 5% discount
• For 3 years policy term: 7.5% discount

Yes, discount is applicable in Non- floater policy as below:

• Non Floater discount for 2 member: 5%.
• Non Floater discount for >2 members: 7.5%.