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.

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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 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

8.4

Customer Rating

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

8.4

Customer Rating

Our Verdict

Expert Review: Aditya Birla Health Insurance

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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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

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

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.

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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.

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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 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...

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.