Question 1

What is the minimum and maximum entry age for Super Health Plus Top Up by Aditya Birla Health Insurance?

Accepted Answer

The minimum entry age for adults is 18 years and for dependent children it’s 91 days. There is no maximum entry age, allowing you to buy this top-up plan at later ages as well.

Question 2

Till what age can my child stay covered under Super Health Plus Top Up?

Accepted Answer

Dependent children covered under the top-up plan can remain insured up to the defined dependent age limit, usually 25 years, as long as they are financially dependent.

Question 3

Are unmarried children eligible under Super Health Plus Top Up?

Accepted Answer

Yes, unmarried and financially dependent children are eligible for coverage under the Super Health Plus Top Up plan until they reach the defined dependent age limit.

Question 4

Can I add a new family member later under Super Health Plus Top Up?

Accepted Answer

Yes, eligible family members like spouse and children can be added at renewal or during specific life events, subject to underwriting and policy terms for the top-up cover.

Question 5

Can my spouse and children be covered under a single sum insured in Super Health Plus Top Up?

Accepted Answer

Yes, this top-up plan allows you to cover yourself, your spouse and dependent children under a shared top-up sum insured for added financial protection.

Question 6

Can I cover my parents under Super Health Plus Top Up?

Accepted Answer

Yes, parents and parents-in-law can be included under the Super Health Plus Top Up plan, subject to eligibility, underwriting and the age criteria specified.

Question 7

Can family members be added mid-term under Super Health Plus Top Up?

Accepted Answer

Family members can typically be added only during renewal or qualifying events, and not freely mid-term, unless specified by the insurer under special life events.

Question 8

What is the PED waiting period if I port to Super Health Plus Top Up from another insurer?

Accepted Answer

When porting, the waiting period already completed under the previous insurer is recognised, reducing the remaining waiting period for pre-existing condition coverage.

Question 9

Can I port my existing health policy to Super Health Plus Top Up by Aditya Birla Health Insurance?

Accepted Answer

Yes, you can port your existing health policy to this top-up plan while retaining continuity benefits, subject to underwriting and regulatory norms.

Question 10

What is the PED waiting period after porting into Super Health Plus Top Up?

Accepted Answer

After porting, the remaining waiting period is calculated by adjusting the time already served under your previous policy, ensuring continuity of benefits.

Question 11

What unique benefits does Super Health Plus Top Up by Aditya Birla Health Insurance offer compared to other policies?

Accepted Answer

This super top-up plan enhances coverage limits beyond the base policy, offers high sum insured options, broadens protection, and lowers out-of-pocket expenses during high medical costs.

Question 12

Does Super Health Plus Top Up come with any disease-wise sub-limits?

Accepted Answer

No, this top-up plan generally does not impose disease-wise sub-limits, allowing broader coverage flexibility unless otherwise specified in detailed policy terms.

Question 13

Are room rent or ICU charges capped in Super Health Plus Top Up?

Accepted Answer

The plan does not impose room rent or ICU caps, but benefits are payable only when the deductible has been crossed and expenses are otherwise admissible.

Question 14

Is co-payment compulsory or optional under Super Health Plus Top Up?

Accepted Answer

Co-payment is generally optional and may apply based on age or underwriting terms, but is not universally compulsory across all variants.

Question 15

Does Super Health Plus Top Up offer a No-Claim Bonus (NCB)?

Accepted Answer

No, super top-up plans do not typically provide a No-Claim Bonus, as they focus on enhancing hospitalisation coverage rather than rewarding claim-free years.

Question 16

Does Super Health Plus Top Up provide any loyalty bonus?

Accepted Answer

Loyalty bonuses are uncommon in super top-up plans; benefits are structured around high coverage limits rather than annual renewal incentives.

Question 17

Are preventive health check-ups included in all sum insured options under Super Health Plus Top Up?

Accepted Answer

Preventive health check-ups are not included under this top-up plan, as its primary purpose is to enhance hospitalisation limit rather than preventive care.

Question 18

Is there a grace period for renewing Super Health Plus Top Up after expiry?

Accepted Answer

Yes, a grace period is provided after the policy expiry, allowing renewal within a specified timeframe without losing continuity benefits.

Question 19

What are the available sum insured options under Super Health Plus Top Up?

Accepted Answer

Super Health Plus Top Up offers multiple sum insured options starting from moderate coverage levels up to higher limits like ₹10 crore, allowing you to choose based on risk appetite.

Question 20

Does Super Health Plus Top Up offer maternity and newborn benefits?

Accepted Answer

No, Super Health Plus Top Up does not include maternity or newborn benefits, as it is designed specifically as an additional top-up cover over a base health policy.

Question 21

Are pregnancy-related complications covered under Super Health Plus Top Up?

Accepted Answer

Pregnancy-related complications are not covered under this top-up plan, since the plan focuses on hospitalisation cost enhancement rather than maternity or pregnancy benefits.

Question 22

Are daycare procedures covered in Super Health Plus Top Up?

Accepted Answer

Yes, daycare procedures are covered under the top-up plan once the hospitalisation expenses cross the deductible, provided the procedure is medically necessary and listed by the insurer.

Question 23

Are pre- and post-hospitalisation expenses covered under Super Health Plus Top Up, and for how many days?

Accepted Answer

Pre-hospitalisation and post-hospitalisation expenses are covered under the top-up plan once the deductible is met, usually up to the days defined under the base policy.

Question 24

Does Super Health Plus Top Up include OPD coverage?

Accepted Answer

No, this top-up plan does not provide routine outpatient (OPD) coverage, as it is meant to enhance hospitalisation cover beyond the base health policy.

Question 25

Are room rent or ICU charges capped under Super Health Plus Top Up?

Accepted Answer

Room rent and ICU charges are not specifically capped by the top-up, but applicable charges must exceed the deductible before the top-up benefit applies.

Question 26

Is chemotherapy covered under Super Health Plus Top Up?

Accepted Answer

Yes, chemotherapy and related cancer treatments are covered by the top-up plan once the hospital expenses exceed the deductible and are otherwise admissible under the base policy.

Question 27

Are lifestyle diseases like diabetes or hypertension covered from day 1 under Super Health Plus Top Up, or after a waiting period?

Accepted Answer

Lifestyle diseases are covered after the applicable waiting period under the base policy, and the top-up benefit applies once hospitalisation expenses cross the deductible threshold.

Question 28

Does Super Health Plus Top Up include mental health treatments or counselling?

Accepted Answer

Hospitalisation due to mental health conditions is covered under the top-up plan once the base policy covers it and the deductible is met for admissible expenses.

Question 29

Does Super Health Plus Top Up cover AYUSH/alternative treatments (Ayurveda, Homeopathy, Unani)?

Accepted Answer

Yes, AYUSH treatments are covered under this top-up plan once the related hospitalisation expenses cross the deductible and are eligible under the base policy terms.

Question 30

Are diagnostic tests and pathology covered under Super Health Plus Top Up?

Accepted Answer

Diagnostic and pathology costs are covered when they form part of hospitalisation and exceed the deductible amount, and are admissible under the combined base and top-up provisions.

Question 31

Is ambulance service covered under Super Health Plus Top Up, and what is the limit?

Accepted Answer

Ambulance charges are covered once the overall hospital bill crosses the deductible, subject to specified limits per hospitalisation under the combined coverage.

Question 32

Is organ donor surgery covered under Super Health Plus Top Up?

Accepted Answer

Yes, organ donor surgery costs are covered under this top-up plan once the hospitalisation costs cross the deductible and are otherwise admissible under the base policy.

Question 33

Are congenital conditions covered for children under Super Health Plus Top Up?

Accepted Answer

Congenital conditions may be covered as per conditions defined under the base policy and waiting periods, and the top-up benefit applies once the deductible is exceeded.

Question 34

Does Super Health Plus Top Up cover vaccinations for adults and children?

Accepted Answer

No, vaccinations are not covered under this top-up plan as it is designed to enhance inpatient hospitalisation cover and is not a preventive care product.

Question 35

Does Super Health Plus Top Up provide international coverage?

Accepted Answer

International coverage is not a standard feature of the top-up plan, and applicability depends on the base policy’s terms and defined geographical scope.

Question 36

Are occupational hazards or accident-related injuries covered under Super Health Plus Top Up?

Accepted Answer

Yes, accident-related and occupational hazard injuries are covered when hospitalisation expenses exceed the deductible, provided they are admissible under the base policy.

Question 37

Are cosmetic or plastic surgeries covered under Super Health Plus Top Up, and under what conditions?

Accepted Answer

Cosmetic or plastic surgeries are covered only when medically necessary due to illness, accident or congenital conditions, and once the deductible is met.

Question 38

Does Super Health Plus Top Up include chronic disease management support?

Accepted Answer

No, the top-up plan does not include chronic disease management support, as it is meant to enhance hospitalisation coverage rather than provide ongoing disease support services.

Question 39

Are wellness, fitness, or reward-based benefits included in Super Health Plus Top Up?

Accepted Answer

Wellness or reward-based benefits are not part of the top-up plan; those are typically offered through the base health policy’s wellness programs.

Question 40

Does Super Health Plus Top Up provide any death benefit?

Accepted Answer

No, Super Health Plus Top Up does not provide a death benefit, as it is designed to extend health coverage limits, not to pay a separate sum upon death.

Question 41

What are PEDs, and when are they covered under Super Health Plus Top Up?

Accepted Answer

Pre-existing diseases are conditions you had before buying the policy, and coverage is subject to completion of waiting periods under the base health policy.

Question 42

Is day-1 PED coverage available under Super Health Plus Top Up?

Accepted Answer

No, day-one PED coverage is not available; pre-existing conditions are covered only after the specified waiting periods under the base policy before top-up benefits apply.

Question 43

What is the waiting period for PEDs under Super Health Plus Top Up?

Accepted Answer

The waiting period for pre-existing diseases is the same as the base policy, typically 36 months, before those conditions become eligible for combined claim benefits.

Question 44

Does Aditya Birla Health Insurance offer top-up or super top-up options along with Super Health Plus Top Up?

Accepted Answer

The plan itself is a super top-up option meant to work alongside a base policy and can be combined with a top-up to further enhance coverage.

Question 45

Does Super Health Plus Top Up offer cashless hospitalisation?

Accepted Answer

Yes, cashless hospitalisation is available at network hospitals once pre-authorisation is completed, and admissible expenses above the deductible can be settled cashless.

Question 46

How long does Aditya Birla Health Insurance take to approve cashless claims for Super Health Plus Top Up?

Accepted Answer

Cashless claim approvals under this top-up plan are typically processed quickly once required pre-authorisation and necessary documentation are submitted by the hospital.

Question 47

What documents are required to file a claim under Super Health Plus Top Up?

Accepted Answer

Documents include the completed claim form, hospital bills, discharge summary, prescriptions, diagnostic reports, identity proof, and any other documents as requested.

Question 48

Is pre-authorisation mandatory for hospitalisation under Super Health Plus Top Up?

Accepted Answer

Yes, pre-authorisation is mandatory for planned hospitalisation to avail of cashless benefits, while emergency hospitalisation must be informed within stipulated timeframes.

Question 49

How many claims can I make in one policy year under Super Health Plus Top Up?

Accepted Answer

There is no fixed limit on the number of claims in a policy year as long as the total claim amount does not exceed the sum insured and deductible is met.

Question 50

Is the hospital network list available for Super Health Plus Top Up, and can I avail treatment outside the network?

Accepted Answer

Yes, a network hospital list is available for cashless treatment, and treatment outside the network is allowed through reimbursement as per policy conditions.

Question 51

What is the claim settlement ratio of Aditya Birla Health Insurance for Super Health Plus Top Up?

Accepted Answer

Aditya Birla Health Insurance maintains a strong overall claim settlement ratio at the company level, reflecting efficient claim handling and service.

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What Is Super Health Plus?

Super Health Plus

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7

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