Aditya Birla Health Insurance Top-up & Super Top-up Plans

Health insurance plans are important as they provide much needed monetary support to the policyholders at the time of a medical emergency. Regular health insurance plans can be sufficient in meeting the financial expenses of the individuals at the time of an emergency, but for cases like that of critical diseases, the coverage might pose to be insufficient. Therefore, the health insurance providers have rolled out additional plans like top-up covers and super top-up covers, which can compensate for the medical expenses after they reach their threshold limit. Super top-up plans are comprehensive and cost-effective health insurance plans that provide compensation for multiple medical bills in a policy tenure and they come into action when the expenses have reached the deductible limit.

Aditya Birla Health insurance offers an extensive and affordable super top-up plan which has been curated to meet the requirements of the policyholders from different groups in the society. This plan comes with a wide range of sum assured and offers a claim amount of up to Rs. 1 Crore, which can be sufficient in looking after the high costs of treatment. This exclusive super top-up health insurance plan helps the policyholders in saving their finances and ensuring quality treatment at the network hospital linked with the insurer.

About Aditya Birla Super Health Plus Top-Up Plan

A super top-up health insurance plan compensates for cumulative medical expenses in a policy tenure after the dues have reached the deductible limit. This super top-up plan by Aditya Birla health insurance offers a large cover under negotiable price to its policyholders. It also helps the policyholders to avoid exhausting their savings on medical expenses. There is no restriction on room rents, and the insurer also offers various discounts and rewards to the policyholders under this super top-up plan. Let us look at some of the key features of this super top-up plan by Aditya Birla health insurance:

• It covers the hospitalization expenses of the policyholders including the COVID-19 coverage.
• The plan looks after the home treatments expenses along with the pre and post-hospitalization costs.
• Customers can avail this plan with the cashless benefits and receive cashless treatment at the network hospital of the insurer.
• Customers with 2 to 3 years of policy tenure are offered 7.5% to 10% of discounts by the health insurance company.

Key Benefits of Aditya Birla Super Health Plus Top-Up Plan

Following are some of the prominent benefits of Aditya Birla Super health plus top-up plan that can be availed by the policyholders at the time of claim settlement process:

• This cover looks after the daycare procedure costs and can compensate for around 586 days even when the hospitalization is for less than 24 hours.
• Up to Rs. 5000, the plan covers the road ambulance charges of the policyholders in case of a medical emergency.
• The insurer looks after the inpatient costs under this plan for COVID-19 treatment or intensive care.
• Health and wellness discounts are offered on OPD consultations, diagnosis, pharmacy services, and much more.
• Air ambulance services for domestic or international emergency assistant services are offered.

Who Can Buy This Plan?

The minimum age required for entry into this policy is 5 years for individual plans and around 91 days for family floater plans, however, the maximum age criteria for entry is 65 years for both individual and floater plans. Under the family floater variant of this super top-up plan, you can include yourself along with your spouse, and children of up to age 25 years.

Waiting Period Under The Plan

The waiting period for this plan is initially for 30 days, and it goes up to 24 to 48 months for specific illnesses while it is around 36 months for pre-existing diseases.

Renewability of The Plan

This super top up health insurance plan comes with the exclusive offer of lifelong renewability of services under which the policyholders can avail the benefits of the plan without any restriction on the maximum age.

Exclusion Under The Plan

Let us look at some basic exclusions under this super top plan, as these features and medical expenses will not be compensated for by the health insurance provider:

• Charges for hearing aids, spectacles, etc. will not be looked after.
• Cosmetic surgeries are not included under this plan.
• Any injury/disease due to the consumption of alcoholic substances will not be included.
• Injuries due to acts like wars, revolutions, military, uprisings, etc. are also not included under this plan.

This super top-up plan by Aditya Birla health insurance is a wise deal for all the people who want super top-up coverage at an affordable price. You must carefully read the policy terms of the purchased plan to make sure that your requirements have been met.

Some common features of critical illness insurance plans offered by Aditya Birla Health Insurance are as follows:

• Portability option
• Cashless treatment
• Lifelong renewalbility
• Hassle-free claim settlement
• Wellness coach and personalized health advice
• Tax benefits under Section 80D of the Income Tax Act

Even if someone has a standard health insurance plan, they must still opt for a critical illness plan to avoid financial strain in case of a critical illness.