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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.
Plan Details
|
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.
What's Covered
-
Hospitalisation/treatment benefits
Here are some of the benefits covered under this plan.
- Any pre-existing diseases are covered after a waiting period of 4 years.
- The room rent is restricted up to 1% of the SI subject to a maximum of Rs. 5000 per day for a normal room. For an ICU room, the room rent limit is Rs. 10000 per day. All other charges are according to the room rent restriction.
- There is no provision for co-payment in this policy.
- Any expenses incurred during transportation via a road ambulance are covered up to Rs. 1000 per incident in case of emergency.
- Up to 527 daycare procedures are covered under this policy.
- Domiciliary Hospitalization is covered as defined in the GHI policy wordings.
- The period for pre and post-hospitalization is 30 and 60 days respectively.
- Internal congenital disease covered under this policy.
What is Not Covered / Exclusions
Here's what is not covered in this plan
- OPD consultations
- Any dependents of the policyholder
- Any pre-existing conditions up to the 4 years waiting period.
- Treatment arising directly or indirectly or consequent upon war or any act of war
- Wilful or deliberate exposure to danger, intentional self-injury, non-adherence to medical advice
*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 |
How to apply
1
Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.
2
Check and confirm your application by entering the OTP received on your mobile number.
3
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
4
You will receive the details of your membership via email/WhatsApp.
Claim Process
You can raise a claim by reaching out to the insurer via one of the following ways:
- Insurer's E-mail - healthinsurance@adityabirlacapital.com
- Insurer's Toll-free number 1800-270-7000
Contact Us
Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. Our partner Insurance Company provides the insurance coverage. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The benefits mentioned above and the premium amount are subject to various factors such as the age of insured, lifestyle habits, health, etc. (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance, and any claims post-sale. This product provides insurance coverage under Aditya Birla Health Insurance Co. Ltd. Group Protect Policy, UIN: ADIHLGP21056V022021. Please refer to the insurer's website for Policy Wordings. Purchase of this product is purely voluntary. BFL does not compel any of its customers to purchase any third party products mandatorily.