Aditya Birla Health Insurance Top Up Plan

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      Aditya Birla Health Insurance Top Up Plan

      A top-up health insurance policy is an incremental coverage for persons with an existing individual or family health insurance cover. This policy comes in when a specific policy limit is breached during a hospitalisation emergency.

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      Aditya Birla Super Health Plus Top Up plan is among the most popular top up plans, which provides additional coverage over and above the regular health insurance plan. With the regular Aditya Birla Activ Assure Diamond Plan, it offers additional coverage up to Rs 1 crore.

      Aditya Birla Health Insurance Top-up Plan: Key Highlights

      Features

      Highlights

      Sum Insured & Deductible

      a. Sum Insured: Rs 3/4/5/7/ 10 Lakh

       Deductible: Rs 1/2/3 Lakh

      b. Sum Insured: Rs 5/7/10/15/20/25/30/40/50 Lakh

      Deductible: Rs 4/5/7/10 Lakh

      c. Sum Insured: Rs 85 Lakh

      Deductible: Rs 15 Lakh

      d. Sum Insured: Rs 90 Lakh

      Deductible: Rs 10 Lakh

      e. Sum Insured: Rs 95 Lakh

      Deductible: Rs 5 Lakh

      Pre-policy Health Check-Up

      Required for the age above 45 years or Sum insured above Rs 25 lakh

      In-patient Hospitalisation

      Up to Sum Insured

      Pre and Post Hospitalisation

      Yes

      Day Care Treatments

      586 procedures covered up to Sum Insured

      Room Category

      Single Private AC Room

      Prospective policyholders should make use of the Aditya Birla Health Premium calculator in order to estimate the amount of premium payable. For further details of the policy, please refer to Aditya Birla Health Top-Up Policy Brochure.

      Aditya Birla Health Insurance Top Up Plan: Key Features & Benefits

      The key benefits & features of the Aditya Birla Health Insurance Top-up Plan are:

      • Provides coverage over and above the base plan.
      • Helps in combating rising healthcare cost inflation.
      • Coverage against pre-existing diseases is available.
      • Covers 586 Day care procedures even if hospitalization is less than 24 hours.
      • More than 6000 network hospitals in over 65 cities where cashless services can be availed.
      • Health and Wellness benefits are available.
      • Tax benefits available under Section 80D of Income Tax Act, 1961
      • Aditya Birla Health claim settlement ratio of 94% indicates towards a faster and satisfactory claim settlement experience.  

      Aditya Birla Super Health Plus Top Up Plan Inclusions

      The policy covers the insured for the following:

      • Room Rent Charges for accommodation in the Hospitalroom and other boarding charges up to the prescribed limits
      • ICU Charges
      • Operation theatre expenses
      • Medical Practitioner’s fees including fees of specialists and anesthetists treating the Insured Person
      • Qualified Nurses charges
      • Medicines and certain consumables
      • Organ donor expenses up to the Sum Insured
      • Diagnostic procedures or investigative tests directly related to the illness
      • Anesthesia, blood, oxygen and blood transfusion charges
      • Surgical appliances and allowable prosthetic devices
      • AYUSH (In-patient Hospitalisation)
      • Emergency Assistance Services (including Air Ambulance)
      • Domiciliary Hospitalisation up to the Sum Insured

      Exclusions of the Policy

      Aditya Birla Super Health Plus Top Up policy doesn’t cover the following conditions:

      • War, riots, uprising, civil wars, military or usurped acts
      • Any unlawful or criminal activity, intentional self-injury or attempted suicide
      • Any illness due to abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol
      • Contact lenses, spectacles, optometric therapy or hearing aids
      • Treatment for baldness, alopecia, wigs or similar treatment
      • Aesthetic, cosmetic, and re-shaping treatments and surgeries
      • Diagnostic tests, investigative procedures and treatment not related to illness for which hospitalization has been done

      *For a complete list of exclusions, please refer to the Activ Assure Diamond – Super Health Plus Top-Up Policy Terms and Conditions

      Eligibility Criteria

      To avail this policy, one has to fulfil the below eligibility conditions:

      Minimum Entry Age

      5 years (Individual Policy)/ 91 days (Floater Policy)

      Maximum Entry Age

      65 years for adults

      25 years for dependent children

      Renewal Terms

      Annual (or at end of policy period, if period higher than 1 year)

      Cooling off Period

      30 days

      Wait Period for Named Elements

      24 months for specific illnesses

      48 months for mental illnesses

      Pre-existing Diseases

      36 months for pre-existing diseases

      Sum Insured Modification

      NA

      Grace Period

      Not later than 30 days from the expiry date of policy

      Underwriting

      As per insurer underwriting norms

      Savings

      Long term

       7.5% on 2-year policy

       10% on 3-year policy

      Long term savings will be applicable only in case of Single Premium Policies.

       

      *All savings are as per the IRDAI approval. Standard T& C apply.

      * For a specific list of waiting periods, please refer to the Aditya Birla Health Top-Up Policy Terms and Conditions.

      Prospective policyholders should evaluate the Aditya Birla Health Super Top Up premium chart meticulously and peruse through the exclusions to assess the appropriate top-up cover option for them before finalizing the top-up plan.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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