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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
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61,600+
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2,00,000+
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INR 5.53 Lakh Cr
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Super Top-Up Health Insurance Plans
- Coverage for inpatient hospitalisation
- Sum insured up to ₹95 lakhs
- Individual and family floater coverage
Why Do You Need Super Health Plus Top-Up Insurance Plan?
Increasing medical expenses
Medical expenses are rising considerably, and meeting hospital bills can be a financial drain if you are not prepared^
Covers your family
Enjoy protection against the medical bills of your family members too with the Super Health Plus Top-Up plan^
Supplements coverage
The Super Health Plus Top-Up plan allows higher coverage levels to pay for expensive medical bills^
Affordable premiums
Premiums are pocket-friendly, allowing you to afford high coverage without hampering your budget^
Comprehensive protection
Get covered against inpatient hospitalisation, daycare treatments, domiciliary hospitalisation and more^
Tax benefit
Enjoy a deduction on the premium paid for the policy under Section 80D of Income Tax Act, 1938 and lower your tax liability**
Our Super Health Plus Top-Up Plans at a glance
Super Health Plus Top-Up
UIN: ADIHLIP21061V022021
KEY FEATURES 
- Two coverage variants
- Domestic and international coverage emergency assistance services
- Health and wellness discounts
Premium
₹10,768*/ year
Check Your Eligibility For Top Up Plans
Before you purchase Term Insurance, ensure you qualify and have the necessary documents.
Eligibility Criteria
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Entry Age
Adults Age: 18 years onwards
Child Age : 91 days to 25 years - Family Floater Plan
5 years to 25 years - Individual Plan - Disclosures Must disclose pre-existing conditions and smoking habit.
- Family Must be spouse, children, parents, and sibling to be covered under a family floater plan.
Waiting Period
- Initial waiting period: 30 Days
- Pre-existing diseases: Depending on the plan selected
- Specific diseases: Depending on the plan selected
Document Needed
- Proposal form
- Identity proof
- Age proof
- Passport size photograph
- Address proof
- Medical reports
- PAN/ Aadhar card
Get Insured In 5 Easy Steps
Evaluate your requirements - coverage, lifestyle, etc.
Explore different plans to find the right one for you
Ideally, choose a plan with lifetime renewability
Ensure the provider has network hospitals in your area
Assess available riders for added coverage
Ensure the provider has network hospitals in your area
Assess available riders for added coverage
Things To Keep In Mind
- Claim is triggered if the aggregate claims in a policy year exceed the deductible
- Claims below deductible will not be paid
- Inform the insurance company of the claim within the specified time frame
- Submit all relevant documents for claim processing
- Get claims settled on a cashless basis
- Self-inflicted injuries
- Criminal acts
- Injuries suffered under the influence of drugs or liquor
- War, nuclear threat or mutiny
- Congenital abnormalities
- Unproven, experimental and cosmetic treatments
- Maternity-related treatments and expenses
# For the complete list of exclusions please refer the policy wordings .
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
ABCD - One app for all your insurance needs
With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.
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Comprehensive coverage against illnesses and injuries -
Digital purchase process
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Low and affordable premiums with one-click payments
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Understanding Super Health Plus Top-Up insurance plans
What is a Super Health Plus Top-Up insurance plan ?
A Super Health Plus Top-Up plan is a supplemental health insurance coverage which seeks to enhance an existing health insurance coverage. The plan comes with a deductible limit and when claims exceed the deductible limit, the plan pays for the excess claims.
How does the Super Health Plus Top-Up plan work?
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There is a sum insured and a deductible limit under Super Health Plus Top-Up plans.
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Claims up to the deductible limit are not paid by the plan
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Once the aggregate claims in a policy year exceed the deductible limit, the excess claim is paid
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Super Health Plus Top-Up plans pay excess claims up to their sum insured limits
What are the features of a Super Health Plus Top-Up insurance plan?
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Plans with a deductible limit
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Affordable premiums with higher coverage
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Provides inpatient coverage
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Multi-year plans are available
What are the tax benefits of Super Health Plus Top-Up insurance?
Premium paid for the plan is allowed as a deduction under Section 80D of Income Tax Act, 1938**
The limit is as follows -
- ₹25,000 if you are below 60 years
- ₹50,000 if you are 60 and above
- Additional ₹25,000 for parents’ premium if the parents are below 60 years
- Additional ₹50,000 for parents’ premium if any parent is a senior citizen
What are the waiting periods under a Super Health Plus Top-Up plan?
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Goal
Pre-existing waiting period - 36/48 months depending on plan variant
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Risk appetite
Initial waiting period - 30 days
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Duration
Specific illness waiting period - 24 months
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Liquidity
Mental illness waiting period - 48 months
Who Should Buy a Super Health Plus Top-Up Policy?
The following individuals must buy the Super Health Plus Top-Up policy to benefit in the following ways:
Senior Citizens (Above 60 years) and Parents
Aging individuals, especially those above 60 years, may face higher health risks and increased medical expenses. A Super Health Plus Top-Up policy provides additional coverage beyond the threshold of their primary health insurance, ensuring comprehensive protection.
Your Parents
Parents, who may be in an older age bracket, can benefit from the extra financial security offered by a Super Health Plus Top-Up policy. This coverage becomes particularly important as healthcare needs tend to increase with age.
Upgrade Employer Health Plan
Employer-provided health insurance plans often come with limitations. Employees can consider a Super Health Plus Top-Up policy to supplement their employer's coverage, offering an added layer of protection against unexpected medical expenses.
If Your Existing Coverage is Insufficient
Individuals who find that their current health insurance coverage is inadequate can opt for a Super Health Plus Top-Up policy. This ensures additional financial support when the sum insured of their primary health plan is exhausted, offering a safety net during emergencies.
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FAQs on Super Health Plus Top-Up
A super top-up plan acts as an extra layer of protection over your existing coverage, tackling high medical bills exceeding your base plan's sum insured. Think of it as a financial safety net for unexpected medical emergencies.
A higher sum insured translates to greater financial protection against potentially hefty medical bills. Consider your base plan limits and future healthcare inflation when making this decision.
Yes, you can add your family members under super top-up plan. You can include your spouse, dependent children, dependent parents as well as extended family members like grandparents, grandchildren and more.
Yes, you can enjoy cashless hospitalization at Aditya Birla Health's network hospitals or empanelled service providers with your super top-up plan, just like your health insurance base plan. Please ensure to check the updated list of network providers before availing the services.
In the first claim, the amount is lower than the deductible limit of ₹4 lakhs. As such, the first claim would not be paid by the super top-up plan. However, in the second claim, the aggregate claim amounts to ₹5 lakhs (₹2 lakhs for the first claim and ₹3 lakhs for the second one). The aggregate claim is higher than the deductible limit. As such, you will get a claim of ₹1 lakhs (the claim exceeding the deductible) in the second instance.
Aditya Birla boasts a wide network of hospitals, cashless claims, coverage for hospitalization and daycare procedures, and competitive premiums. Plus, you get access to their wellness initiatives and value-added services.
Yes, children can be covered under this policy as per the following age limits.
- Family Floater Policy: Dependent children between 91 days - 5 years will be covered if one adult is covered.
- Individual policy: Minimum entry age for children is 5 years.
- Floater: Children up to 25 years can be covered as dependents.
A family floater plan is one wherein two or more members of a family are covered under the same policy. The members share the sum insured of the policy jointly.
Yes, there is a 24-month waiting period for certain specified diseases or procedures after the inception of the first policy. This doesn't apply to accident-related claims.
A pre-existing disease is one which you already suffer from when you buy the plan for the first time. Such diseases are not covered in the initial few years of the Super Health Plus Top-Up insurance plan.
A typical health insurance plan provides coverage for medical expenses up to a specified limit. In contrast, a Super Health Plus Top-Up insurance policy offers supplementary coverage once the limit of your regular health insurance policy is reached.
The discounts offered under the plan includes the following -
1) A long-term discount of 7.5% and 10% on selecting a 2 and 3-year policy, respectively.
2) Family Discount on multi-individual policy: 4 members and above in a policy - 10% .
Factors like age, deductible, pre-existing disease and sum insured will affect the Super Health Plus Top-Up insurance premium.
In a super top-up health insurance plan, the deductible refers to a specific amount you, the policyholder, are responsible for paying out-of-pocket or through your existing Health Insurance policy before the insurance company (from whom Super top up plan was purchased) starts covering your medical expenses.
- Scenario: Imagine your super top-up plan has a deductible of ₹50,000 and your total hospitalization bill comes to ₹1,20,000.
- Deductible Payment: Your base health insurance policy would cover first ₹50,000 (deductible) directly to the hospital.
- Insurance Coverage: Once the deductible is paid, the super top up plan would kick in and cover the remaining amount (₹1,20,000 - ₹50,000 = ₹70,000) based on the terms and conditions of your policy, up to the sum insured limit.
It is possible to choose a higher deductible limit in a Super Health Plus Top-Up plan, but the limit depends upon the policy that has been chosen.
The fundamental distinction between top-up and super-top-up health insurance lies in the coverage limit. While a Super Health Plus Top-Up health insurance policy reimburses medical expenses exceeding the policy's coverage limit, a top-up health insurance plan only covers expenses beyond the policy limit once per year.
ABC Of Insurance
*Starting Plan price mentioned on the website are for self customer with age 30 and Sum Insured 5 LAKH
**Tax benefits are subject to changes in tax laws. Kindly consult your financial advisor for more details.
^Benefits are conditional to Plan/SI opted, please refer Policy Wordings for more details
UIN: ADIHLIP24102V052324 - Activ Health Platinum Essential is a Health Insurance Plan
UIN: ADIHLIP24102V052324 - Activ Health Platinum Enhanced is a Health Insurance Plan
UIN: ADIHLIP22008V012223 - Activ Fit Plus is a Health Insurance Plan
UIN: ADIHLIP22008V012223 - Activ Fit Preferred is a Health Insurance Plan
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UIN: ADIHLIP21061V022021 - Activ Assure Diamond + Super Health Top-up is a Health Insurance Plan
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UIN: ADIHLIP21061V022021 - Super Top-up Plus Plan A is a Super Top Up Health Insurance Plan
UIN: ADIHLIP21061V022021 - Super Top-up Plus Plan B is a Super Top Up Health Insurance Plan