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Reviewed by Finzony Finance TeamLast updated:
Super Health Plus Top Up is designed to provide additional financial protection when healthcare expenses cross the selected deductible. Instead of replacing a base health policy, it works as supplementary cover and can provide a much larger Sum Insured at a relatively affordable premium. The plan offers coverage options up to ₹95 lakh along with hospitalization, day-care, AYUSH, domiciliary and emergency assistance benefits.
Up to ₹95L Coverage + 586 Day Care Procedures + International Emergency Assistance
The main advantage of this plan is its ability to increase overall health protection without paying the premium of a large base policy. It can be particularly useful alongside employer health insurance or an existing mediclaim policy. However, the deductible is a critical part of the plan: claims below the applicable threshold are not payable by the top-up, so customers should choose the deductible carefully based on their existing coverage and financial capacity.
Aditya Birla Health Insurance
Key Insights
Founded
2015
Aditya Birla Health Insurance was established 11 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.8% CSR, calculated as a 3-year average
Aditya Birla Health Insurance settles 95.8% of all claims it receives, demonstrating strong credibility.
Network Hospitals
13,000+
Aditya Birla Health Insurance has a network of 13,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Provides additional health coverage after the selected deductible is crossed, with available options extending up to ₹95 lakh.
Coverage and deductible combinations vary by plan option.
Covers eligible hospitalization expenses including doctors, operation theatre, medicines and covered consumables up to the applicable Sum Insured.
Deductible and policy conditions apply.
Covers listed day-care procedures that require less than 24 hours of hospitalization.
Up to the applicable Sum Insured.
Covers eligible medical expenses incurred up to 30 days before hospitalization when the related hospitalization claim is approved.
Subject to claim approval and policy terms.
Covers eligible medical expenses incurred for up to 60 days after discharge.
Subject to the approved hospitalization claim.
Emergency support while travelling internationally, including applicable air ambulance assistance.
Availability is subject to service conditions.
Access discounts on OPD, diagnostics and pharmacy services through participating providers.
Provider-specific terms apply.
Initial waiting period: 30 days. Specific diseases/procedures: 24 months. Pre-existing diseases: 36 months. Mental illness: 48 months.
Initial Waiting Period
Illness-related expenses during the first 30 days are generally excluded. Accident-related eligible claims are not subject to this initial waiting period.
Specific Diseases & Procedures
Specified diseases and procedures are covered after completion of the applicable 24-month continuous coverage period.
Pre-existing Diseases
Pre-existing diseases are covered after completion of the applicable 36-month waiting period under the current applicable plan variant.
Mental Illness
Mental illness and related treatment are subject to a separate 48-month waiting period under the applicable plan terms.
Conditions or treatments that the policy clearly says it will not cover.
The plan covers eligible hospitalization and medical conditions after the applicable deductible and waiting-period requirements are satisfied. It includes inpatient hospitalization, day-care procedures, AYUSH hospitalization, domiciliary hospitalization, organ donor expenses and other benefits according to the selected plan variant and policy terms.
Insurer
Aditya Birla Health Insurance plans and claim process
It is a supplemental health insurance plan that provides additional coverage after the selected deductible is crossed.
The plan has a Sum Insured and a deductible. Claims up to the deductible are not paid by the top-up, while eligible excess claims can be paid up to the selected Sum Insured.
The current official product page advertises coverage of up to ₹95 lakh under the available plan options.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Aditya Birla Health Insurance website before purchasing.
Contact Details
1800 270 7000
Headquarters: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Provides a defined annual limit for eligible treatment taken at home.
Limit varies according to Sum Insured.
Provides hospitalization coverage for qualifying treatment at home under eligible plan options.
Eligibility and treatment conditions apply.
Higher Sum Insured options can be selected with different deductible combinations to increase protection against major medical expenses.
Available combinations depend on the selected plan variant.
The current official Aditya Birla product page shows a starting premium of ₹962 per year, subject to customer profile and selected coverage.
Yes. A top-up policy is designed to supplement an existing health insurance policy or employer-provided health cover.
The deductible is the threshold that must be crossed before the top-up policy pays eligible excess claims. Available deductible amounts depend on the selected plan option.
Yes. Eligible inpatient hospitalization expenses are covered up to the applicable Sum Insured after the deductible and waiting-period requirements are satisfied.
Yes. The plan covers more than 586 listed day-care procedures up to the applicable Sum Insured.
Yes. Eligible inpatient AYUSH hospitalization is covered under the applicable plan benefits.
Yes. Eligible domiciliary hospitalization is available under the applicable plan option, subject to policy conditions.
The initial waiting period is 30 days for illness-related claims, while eligible accident claims are treated according to policy terms.
Under the current applicable plan information, the pre-existing disease waiting period is 36 months.
Specified diseases and procedures have a 24-month waiting period under the applicable plan terms.
Yes. Mental illness has a separate 48-month waiting period under the applicable plan terms.
Yes. Eligible organ donor expenses related to covered transplantation procedures are included up to the applicable limits.
Yes. Road ambulance expenses are covered subject to the applicable network and non-network limits.
Yes. The plan provides international and domestic emergency assistance services, including air ambulance support.
Yes. Eligible home treatment expenses are covered subject to defined monetary limits based on the selected Sum Insured.
Eligible customers can receive discounts on OPD consultations, diagnostic services and pharmacy purchases through participating providers.
It can be useful for people who already have health insurance or employer coverage but want additional protection against large medical expenses without buying an equally large base policy.