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Aditya Birla Health Insurance Top Up Plans
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- Upto ₹75,000** Tax deduction under Sec 80D
- Instant Policy Issuance
Once your base health insurance plan is exhausted, you might be left in danger since there will be nothing to cover your sudden medical emergencies. Aditya Birla health insurance top up plans offer comprehensive coverage. This policy not only offers additional coverage at a fraction of the base health insurance premium cost but also offers a generous tax benefit by exempting you from paying taxes on the premiums paid up to a specified amount.
As a subsidiary of the well-known Aditya Birla Capital Limited, Aditya Birla’s financial service platform. The company has a stronghold in the health insurance market. With a wide range of health insurance policies that cover you as well as your family against complete medical expenses in any medical issue, the company ensures you can enjoy a high-quality treatment at any of the 10,000+ partnered medical facilities all over the country. The top up policy of this company covers in-paitent hospitalisation, pre- and post-hospitalisation expenses with other value-added services like emergency assistance service.
This article will go over the details of top up plans of Aditya Birla health insurance.
Aditya Birla Health Insurance Top Up Plan Highlights
Aditya Birla health insurance top up plans will be beneficial to those who have exhausted their base health insurance plan. However, if you already have a health insurance plan, but your policy is about to expire and you need some additional financial requirements to complete your medical treatment, this new policy is for you. For those who do not have any form of health insurance, Aditya Birla health insurance top up plans can be put in place in conjunction with an existing one or it could be a standalone plan that covers just medical expenses.
Here are the key highlights of the plan:
- 586 day care treatments are covered
- Road ambulance expenses are covered
- In-patient COVID hospitalization is covered
- Health and wellness discounts are provided
- International and domestic emergency services are offered
- The sum insured ranges from INR 3-95 lakhs
Types of Aditya Birla Health Top Up Plans
Aditya Birla health insurance offers the following health top up plans:
1. Activ Assure Diamond + Super Health Top up
| Sum Insured | INR 3 lakhs to 95 lakhs |
| Deductible Amount | - |
| Plan Type | Individual / Family Floater |
Aditya Birla Top Up Plan: Key Features and Benefits
Here are the key features of Aditya Birla health insurance top up plans over traditional top up policies:
1. Activ Health App
Activ Health is considered the pioneer smartphone application of its type that allows you to monitor your health, get rewards, and manage all of your insurance data directly from your phone. It may be difficult to know where to begin when attempting to reduce weight or just live a better lifestyle. The Activ Health application is here to assist you in obtaining a better understanding of what is happening with your health over a set duration so you can make positive adjustments to how you look and feel.
2. Big Hospital Networks
Policyholders are always attracted to convenient healthcare solutions. Network hospitals are partnered medical facilities that provide cashless treatments to the active health insurance policyholders of the insurance company. This ensures that the insured individuals get high-quality, timely treatments and that too at low or zero out-of-pocket expenses from the policyholder's side. Aditya Birla health insurance boasts over 10000 network hospitals where policyholders can avail of such benefits.
3. Care Managers
Filing health insurance claims and organising paperwork while in the hospital can be difficult and time-consuming. As a result, Aditya Birla provides a specialised staff of care managers who are accessible to walk you through the procedure at any time. All of this support is provided at no additional cost to the policyholder.
4. Tax Advantages
Section 80D of the Income Tax Act offers tax advantages to health insurance providers of the Aditya Birla health top up plan on the amounts of premiums paid by them . The tax deduction limit is set to INR 25,000 for individuals who are under the age of 60 years, while the same is increased up to INR 50,000 for policyholders who are above the age limit of 60 years. So, if you have a senior citizen in your insurance policy, you can get tax deductions up to INR 75,000. Again, in the same way, if you are above the age of 60 years and you have another senior citizen in your policy, you will be entitled to tax breaks up to INR 1 lakh.
Inclusions of the Aditya Birla Health Insurance Top Up Policy
The Aditya Birla health insurance top up policy includes the following coverage:
- In-patient hospitalisation
- Pre-hospitalisation
- Post-hospitalisation
- Daycare treatment
- Domiciliary treatment
- Organ donor expenses
- AYUSH coverage
- Zero deductible convert (T&C applied)
Additional Coverage:
- Health & wellness discounts
- Emergency international assistance service
- Emergency domestic assistance service
Exclusions of the Aditya Birla Health Insurance Top Up Policy
The Aditya Birla health insurance top up policy comes with the following exclusions:
- Spectacles, contact lenses or hearing aids along with optometric treatment
- Baldness, wigs, alopecia, toupees treatment and other similar therapies
- Aesthetic, re-shaping, cosmetic surgeries and treatments
- Intoxicant abuse resulting in any injury, accident or illness
- Breach of law
- War, uprising, insurrection, military, revolution, an act of foreign enemy or usurped acts.
Eligibility Criteria
| Entry age | 5–65 years for individual coverage 91 days - 65 years for family floater coverage |
| Exit age | 25 years for dependent children |
| Plan type | Individual / Family floater |
Things to Consider When Buying Aditya Birla Health Insurance Top Up Plans
- Network Hospitals
Customers are always searching for high-quality healthcare treatment with minimal out-of-pocket costs. This is precisely what networked hospitals offer! Network hospitals are affiliated medical establishments that provide cashless care to insured patients. Aditya Birla has approximately 10000 network hospitals around the country, which is usually a good thing as that widens your choice for cashless treatment.
- Deductible Amount and Sum Insured
The sum insured can be defined as the value of the coverage you will receive from the policy you choose, while the deductible sum is the bare minimum you must pay for the Aditya Birla top up for an insurance policy to start off. The Activ Assure Diamond + Super Health Top up policy insured sum varies from INR 3- 65 lakhs. The bigger your sum insured amount is, the higher your deductible sum will be.
- Discounts
Health & wellness premium discounts are available on OPD consultations, diagnostic tests and pharmacies provided by the company's network providers.
How to Buy Aditya Birla Health Top Up Policy?
Below is a summary of how to top up Aditya Birla health insurance policies:
- Visit Paytm Insurance.
- Select 'health insurance.'
- Choose 'Aditya Birla' from the list of potential health insurance providers.
- Fill up and submit the short survey.
- Give your exact pin code as well as your age.
- Hit the 'get quotes' button to be taken to a universe of health insurance options from your chosen insurance provider.
- Compare the available health insurance plans and buy the one that best matches your needs online.
Aditya Birla Health Insurance Top Up Plans FAQs
1. What is the entry age for insured under the Aditya Birla health top up plan?
The entry age for insured under the Aditya Birla health top up plan is 5– 65 years for individual coverage and 91 days - 65 years for family floater coverage.
2. Can I get the policy as a family floater cover?
Yes. The policy is available both as a family floater and as an individual coverage plan.
3. Does the plan cover critical illnesses like cancer?
No. The plan coverage does not include critical illnesses.
4. Does the plan cover ambulance expenses?
Yes. Emergency ambulance expenses are covered under the top up plan.
5. How to intimate top up health insurance claims?
You can intimate top up health insurance claims from Aditya Birla by contacting the company’s customer care at 1800-270-7000 or sending an email at care.healthinsurance@adityabirlacapital.com.