Super Top-up Cover For Women

Group Protect - Super Top-up from Aditya Birla Health Insurance Co. Ltd. is a unique coverage plan for women. Now, women who are worried about the expenses they might have to incur on hospitalisation due to accidents can avail of this plan. The Super Top-up Cover offers coverage to women in case of any emergency and hospitalisation for up to Rs. 10 lakh at a premium of just Rs. 2,548/year. Here is everything that is covered under this policy that makes it an exceptional investment option. 

Listed below are the key features of the Super Top-up Cover:

• OPD Expenses

Suppose you incur expenses for medically necessary treatment during the policy period due to an illness or injury. In that case, the amount will be repaid up to the limits specified.

• Diagnostic Tests

If you incur expenses on the medically required diagnostics tests that are listed in the Super Top-up Cover, they will be indemnified. However, these must have been incurred on an outpatient basis up to the limits specified in the policy.

• Pharmacy Expenses

Suppose you have any medically required pharmacy expenses, as listed in the Super Top-up Cover, incurred on an outpatient basis. In that case, they will be repaid up to the limits specified in the policy.

 

The Super Top-up Cover can be taken only by women who fall between the ages of 26 and 45, on their last birthday. 

The primary benefit offered under the Super Top-Up Cover is hospitalisation or treatment benefits.

Hospitalisation or treatment benefits

Rent given for a room can be claimed up to Rs. 5000/day for a regular room. The room rent limit of the ICU room is Rs. 10,000 a day. Moreover, the plan covers up to 527 daycare procedures. Expenses incurred on domiciliary hospitalisation are also included.

Ambulance expenses

Suppose you incur any expenses for transporting the patient via an ambulance. In that case, these expenses are covered up to Rs. 1000 for every incident in case there was an emergency. 

Congenital diseases

The Super Top-up Cover also covers internal congenital diseases.

Here are the specifications of the Super Top-up Cover that you must know:

• Coverage 

The maximum coverage offered by the Super Top-up Cover is Rs. 10 lakh.

• Tenure 

The Super Top-up Cover is valid for one year. 

Listed below are the expenses and causes for which you will not be covered under the Super Top-up Cover:

• Consultations at an OPD

Any consultation taken at an OPD is not covered by the policy. 

• Pre-existing illnesses

Pre-existing diseases are not covered till the 4-year waiting period has elapsed.

• Policyholder’s dependents

The expenses that you incur on any dependent’s treatment are excluded from the cover. 

• Act of wars

Any need for treatment that is a consequence of a war or an act of war is not covered under the policy. 

• Intentional injury

If you expose yourself to dangerous situations deliberately, self-injure intentionally, or do not adhere to advice extended medically, you will not be given the coverage.

Raising a claim is extremely easy! You have to call or email the customer care team at the contact details mentioned below:

• Call

You can call the toll-free number, 1800-270-7000, to claim the expenses incurred on hospitalisation and other treatments.

• Email

You can email healthinsurance@adityabirlacapital.com mentioning your policy number and other relevant details.

You can always write to us at insuranceconnect@bajajfinservmarkets.in. We will quickly resolve all your queries and doubts regarding the Super Top-up Cover policy, coverage, and more. Our team is always available to assist you.