Overview
The Aditya Birla Super Health Plus Top-Up plan is a robust supplemental health insurance policy designed to provide additional coverage beyond the limits of a base health insurance plan. It offers sum insured options ranging from ₹3 lakhs to ₹95 lakhs, with deductible choices starting from ₹1 lakhs up to ₹5 lakhs. This plan covers essential medical expenses such as inpatient hospitalization up to sum insured, pre- and post-hospitalization of 30 & 60 days respectively, daycare procedures & domiciliary care up to the cover amount, and road ambulance services. Interestingly, ambulances are covered only up to ₹5,000 per hospitalisation for non-network providers, whereas the actual expenses are covered for network providers.
Experts Review
Written by Nikhil Nair
Senior Writer
The Aditya Birla Super Health Plus Top-Up plan is an excellent choice for individuals and families seeking additional financial protection against substantial medical expenses. It offers high sum insured options up to ₹95 lakhs and customizable deductibles ranging from ₹1 lakhs to ₹15 lakhs, providing flexibility to complement existing health insurance policies. The plan covers a wide range of healthcare expenses, including 586 daycare procedures, pre- and post-hospitalization costs, and organ donor expenses up to the base SI. Notably, it imposes no restrictions on room rent.
However, the plan excludes maternity benefits, restoration, and loyalty bonuses. Despite these limitations, the plan’s robust features and flexibility make it a strong contender in the super top-up segment.
Pros
Feature set is satisfactory.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
Aditya Birla
Key Insights
Founded
2016
Aditya Birla was established 9 years ago, making it a relatively new entrant with a developing track record.
Claims Experience
95% claims settled in 30 Days
Aditya Birla settles 95% of all claims it receives demonstrating strong credibility.
Network Hospitals
12,000+
Aditya Birla has a strong network with over 12,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
22 complaints per 10,000 claims registered
Aditya Birla experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Parkinson disease
Venereal disease, all sexually transmitted disease or Illness including but not limited to HPV, Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis.
Treatment for all kind of magnetic therapy, Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy, KTP Laser Surgeries, cyber knife treatment, Femto laser surgeries, SMILE surgery for vision correction, bioabsorbable stents, bioabsorbable valves, bioabsorbable implants, chondrocyte implantation,immunotherapy, intra vitreal injections & implants, chelation therapy, use of Infliximab, rituximab, avastin, lucentis, Ozurdex, immunomodulators & similar drugs.
Use of Radio Frequency (RF) probe for ablation or other procedure unless specifically approved by Us in writing in advance.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Glaucoma
Refractive error correction
Sinusitis
Rhinitis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered.
Customer Reviews
R
Rakesh Gupta
High sum insured options up to ₹95 lakhs is great for boosting existing cover significantly.
M
Meena Iyer
Customizable deductibles give good flexibility to match with my base policy.
A
Alok Nath
Covers 586 daycare procedures, which is excellent for a top-up plan.
V
Varsha M.
It's a top-up, so only useful after a significant deductible. Not for small claims.
A
Anita Desai
Excludes maternity benefits, which some other super top-ups are now offering.
F
Fatima Ali
Organ donor expenses are also included. Very thoughtful.
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Frequently Asked Questions
Does Super Health Plus Top-Up have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Super Health Plus Top-Up have room rent restrictions?
Does Super Health Plus Top-Up offer a restoration benefit?
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