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Super Top-Up Health Insurance Plan B
- Coverage up to ₹95 lakhs
- Easy indemnity conversion
- Home treatment cover
LIVES INSURED
LOCATIONS PRESENCE
CASHLESS HOSPITALS
CLAIM SETTLEMENT RATIO FOR FY 22-23
How Does Super Health Plus Top-Up Plan B Plan Work?
He has a health insurance policy with a sum insured of ₹5 lakh.
To add to her coverage, she buys the Super Health Plus Top-up Plan B with a sum insured of ₹5 lakh and a deductible of ₹2 lakh
Rishu falls ill and is hospitalised. She incurs a hospital bill of ₹1.5 lakh.
Her health insurance covers the medical bills.
After another month she met with an accident and suffers major injuries. She is hospitalised and her bills amount to ₹8 lakh.
Her health plan has a remaining sum insured of ₹3.5 lakh, which is insufficient to cover the surgery's medical bills. It pays only ₹3.5 lakh.
The Super Health Plus Top-up Plan B pays the rest. Since she incurred a total claim of ₹9.5 lakh (₹1.5 lakh + ₹8 lakh), the deductible limit is met.
Her Super Health Plus Top-up Plan B pays the rest of the claim of ₹4.5 lakh.
What's Included?
Zero deductible conversion
After 5 years of continuous renewals, you can convert the plan into a zero deductible indemnity policy if the age of eldest member for initial policy is 50 years and below.
Domestic emergency assistance services
Get emergency medical assistance anywhere in India including air ambulance services
Inpatient hospitalisation
Hospital room rent is covered up to the sum insured.
Health and wellness discounts
Get discounts on health and wellness-related services and facilities
Home treatment
Treatments taken at home are covered under the plan subject to specific conditions.
International emergency assistance services
Get emergency medical assistance throughout the world with air ambulance services
Pre and post-hospitalisation
Get covered for pre and post-hospitalisation expenses for 30 and 60 days respectively.
Daycare treatments
586 daycare treatments are covered which do not require 24-hour hospitalisation
Organ donor expenses
Expenses incurred for harvesting an organ from a donor are covered
Road ambulance
Ambulance charges are covered for up to ₹5000 per hospitalisation for non-network hospitals and up to the actual expenses for network hospitals
Domiciliary hospitalisation
Home hospitalisation due to unavoidable circumstances and the expenses incurred thereon are covered.
AYUSH (inpatient) hospitalisation
The plan covers inpatient hospitalisation expenses for non-allopathic AYUSH treatments.
What's Not Included?
Maternity-related expenses
Expenses related to pregnancy and childbirth are not covered.
Cosmetic or unapproved treatments
Treatments not approved by doctors or those which are cosmetic are excluded
War and nuclear threats
Claims due to war, civil unrest, mutiny, nuclear contamination or ionisation are not covered.
Choose The Right Option
Get Started With Super Health Plus Top-up Plan B
How to buy?
- Assess your needs and check the plan on the ABC website.
- Carefully go through coverage and exclusions.
- Share your details, select coverage, term etc.
- Make the payment and enjoy your newfound peace.
How to renew?
- Visit the policy renewal page on the website.
- Enter policy number and personal details.
- Check the renewal amount displayed.
- Make payment via the preferred mode and you are done.
- You will receive a confirmation email of the successful policy renewal.
How to claim?
- Intimate the insurer before your hospitalisation or as soon after as possible.
- Gather all required documents - policy, hospital bills, doctor’s notes etc.
- Visit the claims section on the website.
- Provide basic details about the policy and the policyholder.
- Submit the required documents and we’ll get back to you.
Check Your Eligibility
Eligibility Criteria
- Age 91 days to 65 years
- Citizenship Indian citizen residing in India at the time of purchase.
- Relationships covered: Self, spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, nephew, niece, uncle and aunt.
- Medical tests May be required depending on age
- Smoking habits Affect your premium
Waiting Period
- Initial Waiting Period: 30 Days (not applicable in case of an accident)
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Specified Diseases
or Procedures: 24 months - Pre-Existing Diseases: 36 months
- Mental Illness: 48 months
Customer Satisfaction Stories
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
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 Plan B
What is Super Health Plus Top-up Plan B?
The Super Health Plus Top-up Plan B is a super top-up health insurance plan which works on an aggregate deductible basis. If the aggregate claims in a year exceed the deductible, the plan pays the excess claim.
What are the features of Super Health Plus Top-up Plan B?
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Different combinations of sum insured and deductible
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Possibility to convert into an indemnity plan
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Coverage for home and domiciliary treatments
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Domestic and international emergency assistance
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Attractive premium discounts
How does the deductible limit work?
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The deductible defines the limit beyond which the plan pays the claims
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Claims up to the deductible limit are not paid
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Once the claims exceed the deductible limit, the excess is paid by Super Health Plus Top-up Plan B
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It is recommended to choose a deductible limit that matches your existing health plan
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Claims up to the deductible can be paid by your health plan
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Excess claims can then be handled by Super Health Plus Top-up Plan B
How many members can be covered under the plan ?
•A maximum of 6 members can be covered under the family floater plan•There can be 2 adults and a maximum of 4 children
•The combinations are as follows -
1 adult + 1 child
1 adult + 2 children
2 adults
2 adults + 1 child
2 adults + 2 children
2 adults + 3 children
2 adults + 4 children
What are the discounts available?
- For a 2-year policy term - 7.5%
- For a 3-year policy term - 10%
- Covering 4 or more members - 10% Family Discount
What are the tax benefits of the plan?
If you are below 60, premiums paid towards the plan, up to ₹25,000 are allowed as a deduction under Section 80D
If you are above 60 or if you pay premiums for a senior citizen parent, premium paid, up to ₹50,000, is allowed as a deduction under Section 80D