How does the waiting period affect my coverage?

ABHI Super Health Top Up includes a 30-day waiting period, with pre-existing condition covered after 48 months and specific illnesses after 24 months.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured for each claim-free year, enhancing future coverage without additional premium costs.

Does the ABHI Super Health Top Up plan cover treatment abroad?

The plan primarily covers treatments within India; international coverage may be available through optional add-ons or separate policies.

How is a super top-up plan different from a regular top-up plan?

A super top-up covers multiple claims in a year, unlike a regular top-up.

What is a deductible, and how does it impact coverage?

A deductible is the amount you pay before insurance coverage begins.

OneAssure

Health Insurance

Aditya Birla

Super Health Plus

Aditya Birla Health Insurance Super Top Up Plan

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 11000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

11000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

11000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Super Health Plus

Final 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

About Aditya Birla Super Health Plus

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.

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...

Super Health Plus Ratings

Ratings: Aditya Birla Super Health Plus

Insurer Rating

8.21

out of 10

Insurance Rating

7

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Super Health Plus

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.

Cashless Healthcare Providers

The ABHI Super Health Top Up plan provides access to over 12,000 network hospitals across India, offering cashless treatment facilities.

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.

Daycare Treatment

Covered under this plan.

AYUSH Treatment

AYUSH treatment covered under this policy

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.

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.

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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...

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...

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.