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Super Top-Up Health Insurance Plan A
Sum insured up to ₹95 lakhs- Inpatient coverage
- Tax benefits
How Does Super Health Plus Top-Up Plan A Work ?
He has a health insurance policy with a sum insured of ₹10 lakhs.
In January, he buys the Super Health Plus Top-up Plan A with a sum insured of ₹90 lakhs and a deductible of ₹10 lakhs.
After 3 months, Ravi suffers an accident and incurs a hospital bill of ₹8 lakhs.
His health insurance covers the medical bills, and Ravi has no financial hardships.
After another month Ravi undergoes surgery and incurs a bill of ₹7 lakhs.
His health plan has a remaining sum insured of ₹2 lakhs, which is insufficient to cover the surgery's medical bills. It pays only ₹2 lakhs.
The Super Health Plus Top-up Plan A comes in handy for the remaining claim. The last claim and the current one exceed the deductible of ₹10 lakhs.
His Super Health Plus Top-up Plan A pays the rest of the claim of ₹5 lakhs and Ravi is spared the financial trouble.
What's Included?
Get a single private AC room in case of hospitalisation. ICU room rent is covered up to the sum insured.
Get covered for pre and post-hospitalisation expenses for 30 and 60 days respectively.
586 daycare treatments are covered which do not require 24-hour hospitalisation
Expenses incurred for harvesting an organ from a donor are covered up to sum insured.
Ambulance charges are covered for up to ₹2000 per hospitalisation
Get emergency medical assistance anywhere in India including air ambulance services
Get emergency medical assistance throughout the world with air ambulance services
Enjoy up to 30% of their monthly premiums as Healthreturns™ for leading a healthy lifestyle
Get discounts on health and wellness-related services and facilities
What's Not Included?
Pre-existing and mental illnesses are not covered within the first 48 months of buying the policy.
Illnesses occurring within the first 30 days are excluded. Moreover, specific illnesses are covered after a waiting period of 24 months.
Expenses related to pregnancy and childbirth are not covered.
Treatments not approved by doctors or those which are cosmetic are excluded
Claims due to war, civil unrest, mutiny, nuclear contamination or ionisation are not covered.
Choose The Right Option
Super Health Plus Top-up Plan A offers three combinations of the sum insured and deductible. Assess and choose the right coverage.
Get Started With Super Health Plus Top-up Plan A
How to buy?
- Compare and choose : Compare the three plan options and choose the right combination of sum insured and deductible limit
- Online application : Fill out the online proposal form and apply for the Super Health Plus Top-up Plan A
- Premium payment : Pay the relevant premium online through any of the digital payment modes
- Underwriting : The policy would be underwritten by the company to check your eligibility
- Policy issuance : After the underwriting is done, the policy would be issued at the earliest
How to renew?
- Assess coverage : Check if you want the same coverage or if your coverage needs have changed and then choose the right combination
- Premium payment : Pay the renewal premium to continue the coverage for the chosen policy tenure
- Online renewal : Once the premium is duly paid, the coverage would be renewed instantly
How to claim?
- Inform ABCDL : Inform the company in case of a medical emergency where you might make a claim
- Cashless claim : For cashless claims, locate and get admitted in the nearest networked hospital
- Reimbursement claim : If you are admitted in a non-networked hospital, the claim will be settled on a reimbursement basis
- Submit documents : Submit all your medical bills and reports to the insurance company for claim processing
- Claim settlement : Once the claim has been processed, it will be settled on a cashless or reimbursement basis.
Check Your Eligibility
Check your eligibility and take the first step towards financial security
Eligibility Criteria
- Age 91 days to 65 years
- Citizenship Indian citizen residing in India at the time of purchase.
- Relationships covered: Self, spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, nephew, niece, uncle and aunt.
- Medical tests Might be required per underwriting norms
- Policytype Individual and family floater.
Documents Needed
- Proposal form Filled and signed by the policyholder
- Age proof Aadhaar card, voter’s ID card, birth certificate, etc.
- Identity proof Aadhaar card, voter’s ID card, PAN card, etc.
- Address proof Aadhaar card, voter’s ID card, rent agreement, utility bills, etc.
- Medical reports If pre-entrance health check-ups have been conducted
- PAN/Aadhaar Card: For completing KYC formalities
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Health Insurance Customer
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance Customer
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
ABCD - One app for all your insurance needs
With a few clicks on the ABCD app, you can get financial protection against medical emergencies with a health insurance plan.
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Comprehensive coverage against illnesses and injuries -
Digital purchase process
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Low and affordable premiums with one-click payments
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Table of Contents
What is Super Health Plus Top-up Plan A?
The Super Health Plus Top-up Plan A is a super top-up health insurance plan which covers claims exceeding the deductible limit. The plan helps in enhancing an existing health coverage at affordable rates.
What are the features of Super Health Plus Top-up Plan A?
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High sum insured limits
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Cost-effective premium rates
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Coverage for inpatient treatments
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Domestic and international emergency assistance
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Attractive premium discounts
What is the role of the deductible limit?
The deductible defines the limit beyond which the plan pays the claims
Claims up to the deductible limit are not paid
Once the claims exceed the deductible limit, the excess is paid by Super Health Plus Top-up Plan A
It is recommended to choose a deductible limit that matches your existing health plan
Claims up to the deductible can be paid by your health plan
Excess claims can then be handled by Super Health Plus Top-up Plan A
How many members can be covered under the plan?
- A maximum of 6 members can be covered under the family floater plan
- There can be 2 adults and a maximum of 4 children
- The combinations are as follows -
1 adult + 1 child
1 adult + 2 children
2 adults
2 adults + 1 child
2 adults + 2 children
2 adults + 3 children
2 adults + 4 children
What are the discounts available?
- For a 2-year policy term - 7.5%
- For a 3-year policy term - 10%
- Covering 4 or more members - 10% Family Discount
What are the tax benefits of the plan?
If you are below 60, premiums paid towards the plan, up to ₹25,000 are allowed as a deduction under Section 80D of Income Tax Act, 1961.
If you are above 60 or if you pay premiums for a senior citizen parent, premium paid, up to ₹50,000, is allowed as a deduction under Section 80D of Income Tax Act, 1961.
FAQs on Super Health Plus Top-up Plan A
Inpatient coverage means coverage allowed for the medical expenses incurred when you are hospitalised for 24 hours or more in a hospital.
No, you cannot convert Plan A to a zero deductible (to an indemnity policy).
Day care treatments are those which do not require hospitalisation for 24 hours or more because of advanced medical technology.
Pre-hospitalisation means medical expenses incurred before being hospitalised like doctor’s fees, diagnostic tests, medicines, etc. Post-hospitalisation means the expenses incurred after you are discharged from the hospital and are recovering.
Super Health Plus Top-up Plan A does not cover AYUSH treatments. As such, you will not get coverage for them.
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