SBI General Insurance has introduced the ‘SBIG Health Super Top-Up,’ a health insurance top-up designed to enhance basic coverage affordably. This plan allows individuals to supplement any existing health insurance policy, whether corporate or personal.

As lifestyle diseases rise and medical inflation hits 14%, adequate health coverage is crucial.

The new policy addresses this need by providing comprehensive support during unexpected medical emergencies often not covered by standard health plans, SBI General Insurance said.

The ‘SBIG Health Super Top-Up’ policy offers two plans with sum insured options ranging from ₹5 lakh to ₹4 crore.

Claims are payable once the primary health insurance coverage

is exhausted or when expenses exceed the deductible amount.

This product is ideal for both group and retail health customers, as well as High-Net-Worth Individuals (HNIs) seeking extensive coverage.

Key benefits include:

• Flexible annual and long-term aggregated deductible options
• Sum insured from ₹5 lakh to ₹4 crore, with deductibles from ₹2 lakh to ₹2 crore
• Cumulative bonus protection, unaffected by claims
• Unlimited restore for related or unrelated illnesses/injuries
• Long-term policies available for up to three years
• Premiums starting at ₹3,377 for individuals aged 18-35

The policy’s comprehensive features, including global coverage and a cumulative bonus that increases over time, offer significant value.

Customers also benefit from a one-time welcome discount of 5% if they purchase the plan within five days of receiving a quote.

Subramanyam Brahmajosyula, Chief Product & Marketing Officer at SBI General Insurance, said, “With the escalating costs of medical treatments and the growing prevalence of lifestyle-related illnesses, comprehensive health coverage is essential. The ‘SBIG Health Super Top-Up’ is designed to meet the diverse needs of individuals and families.”