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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.
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Super Top-Up Health Insurance Plan B
- Coverage up to ₹95 lakhs
- Easy indemnity conversion
- Home treatment cover
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
Super Health Plus Top-up Plan B offers five combinations of the sum insured and deductible. Assess and choose the right coverage.
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
Check your eligibility and take the first step towards financial security
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
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 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
FAQs on Super Health Plus Top-up Plan B
Inpatient hospitalisation cover includes room rent, ICU charges, operation theatre expenses, fees of medical practitioners, nurse's charges, medicines, investigative tests, anesthesia, blood transfusion, and surgical appliances used during a surgical procedure for you.
Yes, your pre-hospitalisation medical expenses are covered up to the sum insured for the number of days specified in your policy schedule. This plan covers 30 days of pre-hospitalisation and 60 days of post-hospitalisation expenses for you.
You can buy the policy for one, two, or three continuous years as per your requirement.
It covers medical expenses for day care treatments up to the limits specified in your policy schedule. This plan covers 586-day care treatments up to the sum insured for you.
Yes, it includes domestic and international emergency assistance services for you, including air ambulance.
A zero deductible policy is an indemnity health plan where there is no deductible. You can get coverage without meeting the deductible limit. The Super Health Plus Top-up Plan B can be converted into a zero deductible policy after 5 continuous renewals and if the eldest member is 50 years and below.
Home treatment is covered up to specified limits. The limits are ₹25,000 if the sum insured is ₹3 lakhs or ₹4 lakhs and ₹50,000 if the sum insured is ₹5 lakhs and above.
Pre-existing illnesses or conditions are covered after a waiting period of 36 months from the policy start date.
The maximum age under Super Health Plus Top-up Plan B is restricted to 65 years. As such, you cannot buy the policy at 70 years of age.
There is no co-payment under Super Health Plus Top-up Plan B. The full claim is paid by the policy if it exceeds the deductible limit.
Certainly, it encompasses emergency assistance services internationally, providing support such as air ambulance when needed.
The Super Health Plus Top-up Plan B Policy provides coverage for the real costs of road ambulance services when treatment is received at a network hospital. In instances involving non-network providers, expenses will be reimbursed up to ₹5,000 per hospitalization.
Here’s their comparative analysis plan variants of A and B.
|
Coverage details |
Plan A |
Plan B |
|
Sum insured (SI) and deductible limits |
SI ₹85 Lakhs Deductible ₹15 Lakhs SI ₹90 Lakhs Deductible ₹10 Lakhs SI 95 Lakhs Deductible ₹5 Lakhs |
SI 3,4,5,7 and 10 Lakhs Deductible 1,2 and 3 Lakhs SI 5,7,10,15,20,25,30,40 and 50 Lakhs Deductible 4,5,7 and 10 Lakhs SI ₹85 Lakhs Deductible ₹15 Lakhs SI ₹90 Lakhs Deductible ₹10 Lakhs SI 95 Lakhs Deductible ₹5 Lakhs |
|
Conversion into an indemnity policy |
Not available |
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. |
|
Inpatient hospitalisation |
Room type - single private AC room ICU - up to SI |
Up to SI |
|
Pre and post-hospitalisation |
30 and 60 days |
30 and 60 days |
|
Domiciliary hospitalisation |
Not available |
Up to SI |
|
Inpatient AYUSH hospitalisation |
Not available |
Up to SI |
|
Home treatment |
Not available |
SI 3,4 Lakhs - ₹25,000 SI 5 Lakhs and above - ₹50,000 |
|
HealthReturns |
Up to 30% of the premium |
Not available |
|
Pre-existing waiting period |
48 months |
36 months |
*Please refer to policy wording for complete list of exclusions
The following are not included in this policy:
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Costs associated with the treatment of baldness, wigs, alopecia, toupees, etc.
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Costs associated with aesthetic or cosmetic procedures
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Any treatment necessitated by deliberate self-injury
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Any expenses resulting from the insured engaging in unlawful activities
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Costs related to hearing aids, eyeglasses, and contact lenses
Medical costs up to the specified limits for the treatment of illnesses like chemotherapy, dengue, gastroenteritis, hepatitis incurred at the policyholder's residence are eligible for cashless coverage. This is applicable only when the treatment is obtained through a network provider or empaneled service providers affiliated with Aditya Birla Health Insurance, and pre-authorisation from Aditya Birla Health Insurance is mandatory. Outpatient treatment is not included in the coverage.