Super Top-Up Health Insurance Plans Online

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Aditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr

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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

Super Health Plus Top-Up Plan

UIN: ADIHLIP21061V022021

KEY FEATURES Super Health Plus Top-Up

Two coverage variants
Domestic and international coverage emergency assistance services
Health and wellness discounts

Premium

₹10,768*/ year

View Plan Buy Online

Check Your Eligibility For Top Up Plans

Before you purchase Term Insurance, ensure you qualify and have the necessary documents.

Eligibility Criteria

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

STEP

Evaluate your requirements - coverage, lifestyle, etc.

STEP

Explore different plans to find the right one for you

STEP

Ideally, choose a plan with lifetime renewability

STEP

Ensure the provider has network hospitals in your area

STEP

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

Shruti Davda

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.

Mr. Himanshu Chaturvedi

Aditya Birla Health Insurance Customer

Noida, India

Arun Sharma

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

Mr. Rajinder Balhara

Aditya Birla Health Insurance Customer

Delhi, India

Mrs. Mangal Prathamesh Mithari

Aditya Birla Health Insurance Customer

ABCD - One app for

With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.

Comprehensive coverage against illnesses and injuries
Digital purchase process
Low and affordable premiums with one-click payments

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Understanding Super Health Plus Top-Up insurance plans

Table of Contents

What is a Super Health Plus Top-Up insurance plan?How does the Super Health Plus Top-Up plan work?What are the features of a Super Health Plus Top-Up insurance plan?What are the tax benefits of Super Health Plus Top-Up insurance?What are the waiting periods under a Super Health Plus Top-Up plan?Who Should Buy a Super Health Plus Top-Up Policy?

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?

There is a sum insured and a deductible limit under Super Health Plus Top-Up plans.
Claims up to the deductible limit are not paid by the plan
Once the aggregate claims in a policy year exceed the deductible limit, the excess claim is paid
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?

Plans with a deductible limit
Affordable premiums with higher coverage
Provides inpatient coverage
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?

Goal

Pre-existing waiting period - 36/48 months depending on plan variant
Risk appetite

Initial waiting period - 30 days

Duration

Specific illness waiting period - 24 months
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.