Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

Aditya Birla Health Insurance Top-up & Super Top-up Plans

Customers who want additional coverage for medical expenditures can opt for a top-up plan. But this plan doesn't start to work until the first predetermined deductible is fully covered. There is a different deductible amount for each plan. You may buy a health insurance top-up without having a base policy, but to activate your top-up plan, you will have to pay the full deductible amount out of pocket if you don't have a base policy to help with your medical bills.

The super top-up plan from Aditya Birla Health Insurance offers additional protection and safety for a customer's money. A customer might get more coverage for their medical expenses using a super top-up plan.[1]

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Aditya Birla Health Insurance Plan List

  • Individual (9)
  • Family (9)
  • Woman (9)
  • Parents (6)
  • Blood Pressure (9)
  • Kids (7)
  • Thyroid (9)
  • Diabetes (9)
  • Heart (3)
  • Senior Citizen (5)
See More Plans

Benefits of Aditya Birla Health Top-up Plans

The benefits that come with purchasing a Top-Up Plan are as follows:[1]

  • Domiciliary Treatment: With the help of this benefit, you can get medical care at home that would otherwise need to be admitted to the hospital. It pays for medical costs such as prescription drugs, doctor visits, and in-home nursing care. This is especially useful for offering comfort and convenience while attending to medical requirements in situations where hospitalisation is neither practical nor essential.
  • COVID-19 Hospitalisation Cover: This particular plan guarantees payment for all hospitalisation costs associated with COVID-19. It covers expenses for ICU stays, hospital room rent, physician visits, prescription drugs, and diagnostic testing specifically associated with COVID-19 therapy. This benefit, which provides financial protection against the high expenses of medical treatment connected with COVID-19, is essential during the continuing epidemic.
  • Daycare Treatment: Certain medical operations or treatments can be finished in a few hours, negating the need to stay overnight in the hospital. Such daycare treatments, which may involve operations like dialysis, chemotherapy, or certain surgery, are covered by Aditya Birla Health Insurance plans. This advantage makes it more convenient and economical by guaranteeing that you obtain essential medical attention without having to spend the night in a hospital.
  • Deductible Converting to Zero: Typically, health insurance policies include a deductible or a predetermined sum that you have to pay before the insurer begins to pay. In some circumstances, this deductible can be waived with Aditya Birla Health Insurance. This lessens the financial strain of medical bills by preventing you from having to pay anything out of pocket before the Aditya Birlat of the insurance coverage.
  • International Emergency Assistance: If you have a medical emergency while travelling overseas, this benefit offers aid and support. It covers things like emergency medical evacuation, hospital admission scheduling, medical referrals, and liaison with nearby healthcare professionals. This gives you peace of mind when travelling abroad by guaranteeing that you obtain prompt and appropriate medical treatment even when you are not in your own country.
  • Health and Wellness Discounts: Aditya Birla Health Insurance provides savings or exclusive deals on medical supplies and services. Discounts on wellness programs, gym memberships, medical exams, and purchases of vitamins and exercise gear are a few examples of this. By encouraging policyholders to maintain their health and well-being, these reductions raise the accessibility and affordability of preventive healthcare.
  • Affordable Premium: The amount you pay each month for coverage, known as the insurance premium, is intended to be reasonably priced. Aditya Birla Health Insurance works hard to maintain affordable rates while offering extensive coverage and worthwhile perks. This guarantees that you and your family are sufficiently covered against medical bills and that you may obtain high-quality healthcare services without experiencing financial hardship.

Eligibility For Buying a Top-Up Plan

Depending on the insurer and the selected health plans, different requirements may apply for a Top-Up. On the other hand, Aditya Birla Health Insurance provides people ages 18 to 65 years with a top-up. Pre-screening and pre-medical check-ups are not necessary for the client under this plan, which is an advantage. Aditya Birla Health offers its subscribers lifetime renewability on their Top-Up plan as well.

To qualify for the family floater plan, the kid must be between the ages of 91 days and 25 years.[1][2]

Types of Top-Up Plans Offered By Aditya Birla Health

The two types of top-up health insurance plans available are Top-Up and Super Top-Up plans.

During a hospital stay, the Top-Up Plan only reimburses for one claim each insurance year after the deductible has been satisfied. In contrast, a Super Top-Up plan pays many claims throughout the insurance year when the deductible is met.

Super top-up plans, like the Aditya Birla Super Plan, are available to clients of Aditya Birla Health.

Aditya Birla Super Top-Up Plan

The following are a few of the Aditya Birla Super Plan's inclusions and exclusions:[2]




Hearing aids, spectacles or contact lenses including optometric therapy and surgeries


Treatment for baldness


Alopecia, wigs, toupees and similar treatments cosmetic, aesthetic and re-shaping treatments

Room rent

Any Illness/injury/accident due to abuse of intoxicants

ICU charges

Breach of law with criminal intent, intentional self-injury

Daycare treatment


Domiciliary Treatment,

Act of foreign enemy, uprising, revolution, insurrection, military or usurped acts

Organ donor


Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Aditya Birla Health Insurance Plan List

  • Family (4)
  • Individual (4)
  • Kids (3)
  • Diabetes (2)
  • Parents (1)
  • Senior Citizen (1)
  • Cancer (2)
  • Critical Illness (2)
Name of PlanSum Insured
Activ Assure DiamondMin: 91 Days; Max: No Limit2 Lakh Check Premium
Active Health Platinum Check Premium
Activ Fit - Plus and Preferred Check Premium
Global Health Secure Min: 91 Days; Max: 65 years3 Crore - 6 Crore Check Premium
Activ One Check Premium
Activ Health EssentialMin: 91 Days; Max: No Limit50 Thousand Check Premium
Activ CareMin: 55 Years; Max: 80 Years3 Lakh Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 days50,000 - 5 lakh Check Premium
Activ SecureMin: 5 Years; Max: 65 Years1 Lakh Check Premium
Cancer SecureMin: 18 Years; Max: 65 Years5 Lakh Check Premium
Activ Health EnhancedMin: 91 Days; Max: No Limit2 Lakh Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Check Premium

Factors to Consider While Choosing a Top-Up Plan

When buying a Top-Up Plan, consider the following factors:

  • Sufficient Benefit: It's critical to consider if the benefits of a top-up plan will meet the demands of the customer when selecting one. Paying an insurer's premium is pointless if their plan falls short of your needs. It's crucial to determine your needs before designing the best strategy possible for you. Verifying that the top-up plan takes care of all of your concerns and wants is crucial.
  • Deductible: Since a top-up plan won't Aditya Birla until the deductible is met, this is the most important thing to take into account when purchasing one. Most consumers only think about top-up insurance when they see that the rate drops with a higher deductible. However, choosing a deductible is crucial and needs to be done by the client's basic policy, their medical needs, or their financial constraints.
  • Coverage: Several variables affect each plan's coverage. Customers can acquire a senior citizen plan, an individual plan if they are single, and a family floater plan if they are married, if they have concerns about anything other than the age restriction on individual and family floater policies. The needs and medical circumstances of a consumer may affect the plan that they select.
  • Coverage of Pre-existing Diseases: Without support, pre-existing diseases can be very expensive and may not always be covered by a base insurance. That help is yours with a top-up. Pre-existing disease coverage, however, has a waiting period or has to be renewed.
  • Sub-Limits: Lower sub-limits are better for the consumer. Other sub-limits found in many plans, including co-payments, hotel expenses, doctor fees, etc., might be costly for a person to pay out of cash. When buying a plan, it's critical to understand the sub-limits and the plan itself. Consider top-up plans with limited sub-limits at all times.

How to Buy an Aditya Birla Top-up Plan with InsuranceDekho

Offline Process: To get an Aditya Birla Super Top-Up Plan, talk to an InsuranceDekho professional. InsuranceDekho provides in-house help, where an adviser visits the customer's home to go over the plan and procedure, to simplify things for them.

How to Renew Your Top-Up Plan

To renew your Top-Up plan, complete the instructions listed below:[3]

Step 1: Go to the InsuranceDekho webpage.

Step 2: Choose the "Support" option.

Step 3: To receive an OTP, enter your mobile number.

Step 4: Enter the OTP you received to log in and view your Aditya Birla Super Top-Up page.

Step 5: Select "renew" to begin the renewal process.

Step 6: Complete the renewal process and make the final payment.

Note: Renewing the top-up package is also possible through the official Aditya Birla Health website.

Contact Information

To contact InsuranceDekho’s advisor for Aditya Birla Health Insurance contact us through the following options: [4]

24X7 Support Email:

Helpline number: 7551196989


Ques 1. Which is better, top-up or super-top-up?

Answer: In comparison to a super top-up plan, a top-up plan has a lower premium. However, compared to the top-up plan, the super top-up plan gives additional coverage. Therefore, a customer's needs might have an impact on which top plan is chosen.

Ques 2. For what duration is the waiting period for a super top-up plan?

Answer: After a 30-day waiting period, a policyholder can begin coverage under a super top-up plan.

Ques 3. Why are top-up plans less expensive?

Answer: Because the deductible is applied to each claim the policyholder files, top-up plans are less expensive.

Ques 4. Can someone obtain a super top-up without having a basic policy?

Answer: A super top-up can be bought without base insurance. On the other hand, having basic health insurance coverage is better since it covers the entire amount up until the deductible is met. If you don't have base insurance, you will be responsible for paying the whole amount until you hit the deductible on your super top-up policy.

Ques 5. What does the deductible of a top-up plan mean?

Answer: Your deductible is the amount you must pay for medical expenses either out of pocket or via your basic coverage. Aditya Birla's coverage under the top-up plan doesn't begin until the deductible is paid.

Ques 6. What separates a basic plan from a top-up plan?

Answer: The insurer covers claims under basic insurance up to the covered amount. In top-up insurance, the policyholder gets more coverage upon reaching a cap or the amount of the deductible.

Ques 7. When is it possible to purchase a super top-up plan?

Answer: You can acquire the plan as an individual policy or as a family floater insurance. Under the family floater, relatives who are not the policyholder can be any age between 91 days and 65 years, but under the individual insurance, that range is between 18 and 65 years.

Ques 8. Could you please transfer us a tremendous top-up?

Answer: A super top-up plan is indeed portable. However, you can only move insurance across policies in the same kind and category.

Ques 9. What negative aspects may a top-up plan have?

Answer: A few disadvantages of a super top-up plan include that claim settlement is more complicated than with a normal policy; routine health check-ups are not covered; and customers without a base insurance may face financial difficulties.

Ques 10. Are super top-up and top-up plans sold separately?

Answer: To help you acquire coverage on a claim, you may purchase both top-up and super top-up plans if one of your policies has a low deductible.






Health Insurance News

User Reviews

Write your review
What users are saying
  • All
  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Comparing to choose the best p...

    The Aditya Birla Health Insurance alternatives offered by InsuranceDekho pleased me. Finding the right plan for my needs was made simple and dependable by the platform. The entire procedure was simple and stress-free thanks to their expert advice and thorough information. I heartily endorse their offerings.

    Aditya Birla
    By Riaz Khan
    On: Jun 20, 2024
  • Customer Care team is an immen...

    I've been a loyal InsuranceDekho customer for years now, and I couldn't be happier with their service. Whenever I need to make changes to my policy or file a claim, their team is always there to help me out. It's reassuring to know I'm in good hands with them. The helped with filing my claim for my Aditya Birla health insurance.

    Aditya Birla
    By Dhruv Gupta
    On: May 29, 2024
  • Doubts and concerns resolved

    InsuranceDekho gave me peace of mind while I was purchasing an Aditya Birla Health Insurance plan. Transparent terms and quick responses to queries. They made it easy to under the plans and made my choice easier fulfilling all my needs.

    Aditya Birla
    By Ojas Chaudhary
    On: May 23, 2024
  • Easy To Buy Online

    Thanks to InsuranceDekho for helping me in purchasing the Aditya Birla Health Insurance Policy. My purchase with the InsuranceDekho company was highly worth it. Every step in the buying process was smooth and convenient. It was simple for me to compare the plans and buy through InsuranceDekho's official website. Thanks to the customer care team for helping with my purchase.

    Aditya Birla
    By Tanya Yadav
    On: Mar 12, 2024
  • Best Health Insurance

    My purchase of the Aditya Birla Health Insurance plan was excellent with InsuranceDekho. I liked the policy tracking feature of the InsuranceDekho company. I didn’t have to follow up with the teams to know about the status of my Aditya Birla health insurance policy. Recommend it to everyone!

    Aditya Birla
    By Parth Singla
    On: Jan 30, 2024

Network Hospital in Popular Cities

CityNo of Hospital
View All