Super Top-Up Health Insurance Plans

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.

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.

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.