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 Health Insurance Top Up Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Some plans are available only after a certain time

    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



    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


    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


    Grace Period

    Not later than 30 days from the expiry date of policy


    As per insurer underwriting norms


    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.


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