Aditya Birla Health Insurance Super Top Up Plan
Aditya Birla
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
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 Period
- 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.
Daycare Treatment
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
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits.
With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health check-ups, and value-added wellness services to promote long-term health.
Backed by 24/7 customer support, quick claim settlement, and a transparent service approach, Aditya Birla Health Insurance continues to build trust among policyholders. Its focus on innovation and holistic wellbeing makes it a dependable choice for those seeking comprehensive, wellness-driven health protection.
About the Company
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FAQs
Frequently Asked Questions
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
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