If there’s a lack of coverage in your Aditya Birla Health Insurance Plan, you can consider getting top-up insurance. What this will do is enhance your coverage, so there won’t be any trouble while seeking medical treatment for an illness/injury during the policy term. Because buying a top-up cover means –
- Extended cover at an affordable premium
- Savings for the medical expenses
- Option of waiver of deductible when you reach a specific age
- No restriction on room rent
- Discounts on diagnostic services, pharmacies and OPD consultations
You can learn more about the benefits of the Aditya Birla Health Insurance Top-Up Plan below –
Coverage Under the Aditya Birla Health Insurance Top-Up
The insurance company will provide you coverage for the following expenses –
- In-patient hospitalization expenses up to the coverage limit
- Pre and post-hospitalization cover for up to 30 and 60 days, respectively
- Coverage for 586 daycare treatments up to the sum insured
- Domiciliary hospitalization expenses
- Road ambulance cover is up to the actual amount in the case of a network hospital and up to INR 5,000 per hospitalization if you go to a non-network hospital.
- Organ donor expenses
- Home treatment up to INR 25,000 for sum insured of INR 3 and 4 Lakh and up to INR 50,000 for sum insured of INR 5 Lakh and above
- AYUSH treatment
- Domestic emergency assistance service
- International emergency assistance service
- Health and wellness discounts
When Does the Deductible of Aditya Birla Health Insurance Top-Up Become Zero?
After five years of continuous renewal, if the age at entry of the eldest member for the initial policy is 50 years and below, the insurer will waive off the deductible amount. This means you can use the top-up sum insured whenever a claim arises during the policy term.
Aditya Birla Health Insurance Top-Up Plan Sum Insured and Deductible Options
Aditya Birla Health Insurance allows you to choose any of the following sum insured or deductible of your choice based on the medical needs –
- For Sum Insured: INR 3, 4, 5, 7, 10 Lakh – the deductible is INR 1, 2, 3 Lakh
- For Sum Insured: INR 5, 7, 10, 15, 20, 25, 30, 40, 50 Lakh – the deductible is INR 4, 5, 7, 10 Lakh
- For Sum Insured: INR 85 Lakh – the deductible is INR 15 Lakh
- For Sum Insured: INR 90 Lakh – the deductible is INR 10 Lakh
- For Sum Insured: INR 95 Lakh – the deductible is INR 5 Lakh
Eligibility to Buy the Aditya Birla Health Insurance Top-Up Plan
The following is the age criteria for coverage under the top-up plan –
- Minimum age at entry – 5 years for an Individual Policy and 91 days for a Floater Policy
- Maximum age at entry – 65 years
If you purchase the Aditya Birla Health Insurance Top-Up Plan on a family floater plan, the policy can be purchased for self, spouse, dependent children up to the age of 25 years.
What is the Waiting Period Applicable to the Aditya Birla Health Insurance Top-Up Plan?
The initial waiting period is 30 days for illnesses, 24-48 months for specific illnesses and 36 months for pre-existing diseases.
Exclusions From Aditya Birla Health Insurance Top-Up Plan
Aditya Birla Health Insurance won’t be liable to pay for the following –
- Treatment for toupees, wigs, alopecia, baldness, etc.
- Hearing aids, spectacles or contact lenses including optometric therapy
- Cosmetic, aesthetic and re-shaping treatments and surgeries
- Any illness, injury or accident due to the abuse of intoxicants
- Breach of law with criminal intent
- Intentional self injury
- War, the act of foreign enemy, uprising, revolution, insurrection, military or usurped acts
Discount Offers Available on the Aditya Birla Health Insurance Top-Up Plan
You’ll get a 7.5% and 10% discount on the premium amount when selecting the policy for a term of 2 and 3 years, respectively. Long-term discounts will only be applicable in the case of single premium policies.
