Aditya Birla Super Health Plus Top Up Plan

Aditya Birla Super Health Plus Top Up Plan - BimaBandhu

Pertaining to healthcare, safeguarding oneself from unforeseen medical expenses is quite essential. For individuals and families already covered under health insurance, Aditya Birla Super Health Plus Top Up Plan emerges as a good addition, offering an extra layer of protection in medical emergencies.

This top-up health insurance policy acts as a crucial safety net, integrating with existing individual or family health insurance plans. It is designed for instances where the standard policy limit is surpassed during a hospitalization emergency and requires an additional bridge to cover the financial gap.

Aditya Birla Super Health Plus Top Up is gaining prominence, notably due to its comprehensive coverage. This top-up policy extends coverage up to Rs 1 crore. In this guide, we will talk about this top-up plan in detail, exploring its features, benefits, and the peace of mind it brings to policyholders. 

Key Highlights of Aditya Birla Health Insurance Top-up Plan

  • Multiple combinations of sum insured & deductible to choose from
  • Pre-policy health check-ups mandatory for individuals aged 45 years and above or those opting for a sum insured exceeding Rs 25 lakh
  • In-patient hospitalisation coverage extending up to the selected sum insured
  • Pre and post hospitalisation expenses coverage 
  • Day care treatment coverage
  • single private AC room category

Prospective policyholders can also use the Aditya Birla Health Premium calculator for accurate premium estimations. For a more detailed understanding of the policy terms and conditions, refer to the policy brochure.

Also Read: Is Cheapest Term Insurance The Best For Low-Income Groups?

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

  • The plan provides an additional layer of coverage beyond the base health insurance plan, ensuring comprehensive protection for unforeseen medical expenses.
  • It addresses the challenge of rising healthcare costs, empowering policyholders to face medical uncertainties with financial resilience.
  • It extends coverage to pre-existing diseases, offering a holistic approach to health insurance by catering to existing health conditions.
  • The insurer has a vast network of over 6000 hospitals across more than 65 cities, facilitating cashless services and ensuring accessibility to quality healthcare.
  • It goes beyond conventional coverage by offering health and wellness benefits, promoting a proactive approach to maintaining overall well-being.
  • The policy is eligible for tax benefits under Section 80D of the Income Tax Act, 1961, providing additional financial relief for policyholders.

Aditya Birla Super Health Plus Top Up Plan Inclusions

  • Accommodation charges in the hospital room, including other boarding expenses, up to the prescribed limits
  • Intensive Care Unit (ICU) charges to provide financial support for critical medical care
  • Operation theatre expenses to ensure coverage for surgical procedures
  • Fees of medical practitioners, including specialists and anesthetists involved in the treatment of the insured person
  • Qualified nursing service charges
  • Medicines and certain consumables essential for the treatment
  • Coverage to organ donor expenses, providing financial assistance up to the sum insured
  • Diagnostic procedures and investigative tests directly related to the illness
  • Charges related to anesthesia, blood, oxygen, and blood transfusion
  • Financial support for surgical appliances and allowable prosthetic devices
  • Coverage for treatments under AYUSH systems during in-patient hospitalization
  • Emergency assistance services, including air ambulance services 

To know more about the exclusions of the Aditya Birla Super Health Plus Top Up Plan, read the policy document carefully.

Eligibility Criteria for Aditya Birla Super Health Plus Top Up Plan

  • Minimum entry age: 5 years for an individual policy and 91 days for a floater policy
  • Maximum entry age: Up to 65 years for adults and 25 years for dependent children
  • Renewal terms: Policy renewal needed annually or at the end of the policy period if the period is higher than one year
  • Cooling off period: 30 days is applicable, during which the policyholder can recheck the terms and conditions
  • Wait period for named elements: 24 months for specific illnesses, 48 months for mental illnesses, 36 months for pre-existing diseases
  • Sum Insured modification: Not applicable 
  • Grace period: 30 days max. from the expiry date of the policy
  • Underwriting: conducted in accordance with the insurer’s norms

**The eligibility criteria given above are subject to IRDAI approval, and standard terms and conditions apply. For a specific list of waiting periods, please refer to the Aditya Birla Health Top-Up Policy Terms and Conditions.

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