Aditya Birla Health Insurance Top Up Plan

(45 Reviews)
Insurer Highlights

*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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      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



      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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      • 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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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