During an emergency that requires hospitalization, one’s sole focus should be on getting the best treatment. However, the unpredictable and sudden expenses arising out of such situations can often put you under a financial burden.
Group Protect - Super Top-up 1 from Aditya Birla Health Insurance Co. Ltd. offers coverage in case of any emergencies and hospitalization.
Sum insured up to |
Deductibles |
Premium incl. taxes |
Rs. 10 lakh |
Rs. 5 lakh |
Rs. 2208 |
Eligibility: This plan can be taken by women between the age of 36 and 50, as on the last birthday.
Plan Validity: The plan is valid for a tenor of one year.
Here are some of the benefits covered under this plan.
Here's what is not covered in this plan
*For a complete list of exclusions, please refer to the policy wordings.
Waiting Period
The initial waiting period for this cover is 30 days, whereas the waiting period for exclusion is 2 years.
*For a complete list of exclusions, please refer to the policy wordings.
The 2-year exclusion list is as follows:
Body system |
Illness |
Treatment or surgery |
|
1 |
Eye |
Cataract |
Cataract Surgery |
Glaucoma |
Glaucoma Surgery |
||
2 |
Ear Nose Throat |
Serous Otitis Media |
|
Sinusitis |
Sinus Surgery |
||
Rhinitis |
Surgery for the nose |
||
Tonsillitis |
Tonsillectomy |
||
Tympanitis |
Tympanoplasty |
||
Deviated Nasal Septum |
Surgery for Deviated Nasal |
||
Otitis Media |
Surgery or Treatment for Otitis |
||
Adenoiditis |
Adenoidectomy |
||
Mastoiditis |
Mastoidectomy |
||
Cholesteatoma |
Resection of the Nasal Concha |
||
3 |
Gynaecology |
All Cysts & Polyps of the female |
Dilatation & Curettage |
Polycystic Ovarian Disease |
Myomectomy |
||
Uterine Prolapse |
Uterine prolapse Surgery |
||
Fibroids (Fibromyoma) |
Hysterectomy unless |
||
Breast lumps |
Any treatment for Menorrhagia |
||
Prolapse of the uterus |
|||
Dysfunctional Uterine Bleeding |
|||
Endometriosis |
|||
Menorrhagia |
|||
Pelvic Inflammatory Disease |
|||
4 |
Orthopaedic / Rheumatological |
Gout |
Joint replacement Surgery Surgery for Prolapse of the intervertebral disc |
Rheumatism, Rheumatoid |
|||
Non-infective arthritis |
|||
Osteoarthritis |
|||
Osteoporosis |
|||
Prolapse of the intervertebral disc |
|||
Spondylopathies |
|||
5 |
Gastroenterology (Alimentary Canal and related Organs) |
Stone in Gallbladder and Bile duct |
Cholecystectomy / Surgery for Gallbladder |
Cholecystitis |
Surgery for Ulcers (Gastric / Duodenal) |
||
Pancreatitis |
|||
Fissure, Fistula in ano, hemorrhoids (piles), Pilonidal Sinus, Ano-rectal & Perianal |
|||
Rectal Prolapse |
|||
Gastric or Duodenal Erosions or |
|||
Gastroesophageal Reflux Disease |
|||
Cirrhosis |
|||
6 |
Urogenital (Urinary and Reproductive system |
Stones in Urinary system (Stone in the Kidney, Ureter, Urinary |
Prostate Surgery |
Benign Hypertrophy / |
|||
Hernia, Hydrocele, |
Surgery for Hydrocele, |
||
Varicocele / Spermatocele |
Surgery for Varicocele / |
||
7 |
Skin |
skin tumour (unless malignant) |
Removal of such tumor unless |
All skin diseases |
|||
8 |
General Surgery |
Any swelling, tumour, cyst, nodule, ulcer, polyp anywhere in |
Surgery for cyst, tumor, nodule, polyp unless malignant |
Varicose veins, Varicose ulcers |
Surgery for Varicose veins and Varicose ulcers |
||
Congenital Internal Diseases or |
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