*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
Who would you like to insure?
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.
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.
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.
The key benefits & features of the Aditya Birla Health Insurance Top-up Plan are:
The policy covers the insured for the following:
Aditya Birla Super Health Plus Top Up policy doesn’t cover the following conditions:
*For a complete list of exclusions, please refer to the Activ Assure Diamond – Super Health Plus Top-Up Policy Terms and Conditions
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.
Ans: Yes. Medical expenses up to the prescribed limits incurred in respect of the organ donor towards the harvesting of the organ donated is covered.
Ans: Yes. Medical expenses up to the prescribed limits towards In-patient Hospitalization undertaken in Government hospitals or Government recognized teaching hospitals of recognized AYUSH colleges are covered only on a reimbursement basis.
Ans: Medical Expenses up to the prescribed limits incurred on treatment at policyholder’s own place of residence for any illness such as chemotherapy, dengue, gastroenteritis, hepatitis covered on a cashless basis only if availed through the Aditya Birla Health Insurance network provider or empanelled service providers providing such facility. Pre-authorisation is required from Aditya Birla Health Insurance. OPD treatment is not covered.