Aditya Birla Health Insurance Super Top Up Plan
Aditya Birla Health Insurance
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Room rent and icu limit
ABHI Super Health Top Up offers no room rent or ICU limit, allowing policyholders to choose any hospital room, including private and ICU, without sub-limits.
Advanced Treatments
ABHI Super Health Top Up covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, etc.
Brochure
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Our Verdict
ABHI Super Health Top Up offers high sum insured options and worldwide emergency coverage at affordable premiums. Ideal for individuals and families seeking additional protection, though the high deductible may delay claim benefits.
About the Plan
ABHI Super Health Top Up is a high-deductible health insurance plan designed to provide additional financial protection beyond your existing coverage. It offers sum insured options ranging from ₹3 lakh to ₹95 lakh with deductible choices from ₹2 lakh to ₹40 lakh. The plan covers in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, and ambulance services. It includes benefits like worldwide emergency coverage, second medical opinion, and wellness programs. Available for individuals and families, it ensures enhanced coverage at affordable premiums.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
ABHI Super Health Top Up offers no room rent or ICU limit, allowing policyholders to choose any hospital room, including private and ICU, without sub-limits, subject to the deductible and sum insured.
Advanced Treatments
ABHI Super Health Top Up covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapy, organ transplant procedures, and specialized cardiac treatments, ensuring access to modern and high-cost medical care.
Co-payment
ABHI Super Health Top Up comes with a mandatory co-payment of 10% or 20%, depending on the plan variant chosen.
Waiting Periods
Initial Waiting Period: 30 days for general illnesses (except accidental injuries).
Pre-existing Diseases (PED): Covered after 36 months of continuous policy coverage.
Specified Illnesses & Treatments: Subject to a waiting period of 24 months.
Maternity & Newborn Cover (if applicable): 9-month waiting period.
Cashless Healthcare Providers
The ABHI Super Health Top Up plan provides access to over 12,000 network hospitals across India, offering cashless treatment facilities.
Day Care Treatments
Covered under this plan.
AYUSH Treatment
AYUSH treatment covered under this policy
Exclusions
Pre-existing diseases are not covered during the initial waiting period.
Injuries or illnesses caused by self-inflicted harm, suicide attempts, or substance abuse.
Treatment related to hazardous activities, adventure sports, or participation in illegal activities.
Cosmetic or plastic surgeries unless required due to an accident or medical necessity.
Dental, hearing, and vision treatments unless arising from an accident.
Infertility treatments, maternity expenses, and childbirth-related procedures unless covered under an add-on.
Experimental, unproven, or alternative treatments not recognized by medical standards.
Treatment for congenital diseases, genetic disorders, or developmental conditions.
Any illness or injury resulting from war, terrorism, nuclear exposure, or biological hazards.
OPD consultations, routine medical check-ups, and vaccinations unless explicitly covered.
Costs related to dietary supplements, external medical appliances, and prosthetics.
Exclusions
Deductible Reduction Option - Allows policyholders to lower the deductible amount over time, enhancing affordability and claim eligibility.
Unlimited Restoration Benefit - Restores the sum insured multiple times in a policy year if exhausted due to unrelated illnesses or accidents.
Critical Illness Cover - Provides an additional lump sum payout upon diagnosis of specified critical illnesses, ensuring financial stability during treatment.
Personal Accident Cover - Offers financial protection in case of accidental death or permanent disability, providing additional security for the insured and family.
Maternity & Newborn Cover - Covers maternity expenses, including delivery costs and newborn baby care, ensuring comprehensive support for growing families.
Add-ons
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About the Company
Aditya Birla Health Insurance Company (ABHICL), part of Aditya Birla Capital Ltd., is a trusted health insurance provider backed by the Aditya Birla Group and South Africa’s MMI Holdings. Since starting in 2015, ABHICL has focused on offering unique health plans like Chronic Care (for ongoing illnesses) and Incentivized Wellness, which promotes healthier living by rewarding good habits.
With pre-policy medical checkups for adverse pre-existing conditions, the company ensures tailored coverage and transparency, making it a trusted choice for individuals with specific and specialized health requirements.
Serving 21+ million lives, it combines comprehensive coverage with wellness benefits, empowering individuals to lead healthier lives with unparalleled care and support.
About the Company
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