Aditya Birla Super Top-Up Plan

The Aditya Birla Super Top-Up Plan provides coverage at a low premium. Supplemental health insurance plans can assist you in protecting your health in the event of a medical emergency. Your primary health insurance policy can be supported by an additional super top-up health insurance like the Aditya Birla Super Top-Up Plan. If you believe the sum insured in your current health insurance plan is insufficient, or if you have exhausted your basic health insurance plan, the Aditya Birla Super Top-Up Plan is an excellent option because it supplements your base medical coverage.

Aditya Birla Super Top-Up Plan covers medical expenses up to ₹1 Crore and offers numerous additional features, ensuring you do not have to dip into your savings to protect your family and yourself from costly medical bills. It functions as an all-around health plan, providing daycare procedure coverage, road ambulance coverage, in-patient coverage, health and wellness discounts, and international and domestic emergency services. The minimum entry age for adults is 5 years, up to 65 years, while for children, it is as early as 91 days.

Key Benefits of Aditya Birla Super Top-Up Plan

The Aditya Birla Super Top-Up Plan offers a multitude of features and benefits, including:

• High Sum Insured
  The Aditya Birla Super Top-Up Plan offers a wide range of sum insured options with minimum deductibles. Sum insured variants include ₹3 Lacs, ₹4 Lacs, ₹5 Lacs, ₹7 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs, ₹25 Lacs, ₹30 Lacs, ₹40 Lacs, ₹50 Lacs, ₹85 Lacs, ₹90 Lacs, and ₹95 Lacs.
• Discounts
  The Aditya Birla Super Top-Up Health Insurance Plan offers attractive discounts, such as 7.5% and 10% for selecting 2-year and 3-year policies, respectively. Long-term discounts are applicable only for Single Premium Policies.
• Emergency Services
  The Aditya Birla Super Top-Up Plan provides emergency medical services, including air ambulance services both internationally and domestically. It covers road ambulance expenses up to ₹5,000 per hospitalization in non-network hospitals and up to actuals in network hospitals.
• Daycare Procedures
  The Aditya Birla Super Top-Up Plan covers 586 daycare procedures, even if hospitalization is less than 24 hours.
• Earn Health Returns
  During the policy period, insured individuals can earn Health Returns by maintaining a healthy and active lifestyle. Regular physical activity, completing the Health Questionnaire, and Health Assessment can help you earn points, which can be redeemed for benefits like discounts and renewal benefits. Insured individuals can earn up to 30% of their monthly premium as Health Returns upon completing health tasks.

Aditya Birla Super Top-Up Plan Eligibility Criteria

Child Entry Age

Minimum: 91 days, Maximum: 25 years

Adult Entry Age

Minimum: 5 years, Maximum: 65 years

Plan Type

Individual/Family Floater

Policy Term

1, 2, or 3 Years

Sum Insured

₹3 Lacs, ₹4 Lacs, ₹5 Lacs, ₹7 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs, ₹25 Lacs, ₹30 Lacs, ₹40 Lacs, ₹50 Lacs, ₹85 Lacs, ₹90 Lacs, ₹95 Lacs

Initial Waiting Period

30 Days

Aditya Birla Super Top-Up Plan Inclusions

The various inclusions under Aditya Birla Super Top-Up Plan include:

• In-patient Hospitalization
• ICU Charges
• Pre-hospitalization
• Post-hospitalization
• Daycare Treatment
• Domiciliary Hospitalization
• Road Ambulance Cover
• Organ Donor Expenses
• Ayush Treatment
• Home Treatment
• Domestic and International Emergency Assistance Services
• Health Returns

Aditya Birla Super Top-Up Plan Exclusions

The various exclusions under Aditya Birla Super Top-Up Plan include:

• Infertility, congenital external conditions
• Maternity Expenses
• Hospitalization primarily for investigation or diagnostic purposes
• Alternative Treatments (Non-Allopathic treatments)
• Pregnancy or childbirth
• HIV infection / AIDS
• Cosmetic or sex-change treatment/surgery
• Alcohol consumption, smoking, tobacco intake, or drug abuse
• Intentional self-injury, suicide, or attempted suicide
• Breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion
• War, terrorism, or nuclear weapons