NPS Swasthya: Aditya Birla Health Insurance offers health top-up cover with premiums starting at ₹1,732

Aditya Birla Health Insurance (ABHI) has introduced a Group Activ Health Top-Up benefit for NPS Swasthya account holders. The cover is available for the subscriber, their legally married spouse and up to two financially dependent children.

For the ABHI health cover, the subscriber and spouse can be between 18 and 70 years of age. Children can be covered from 91 days to 25 years. The available family combinations are 1A, 2A, 1A+1C, 1A+2C, 2A+1C and 2A+2C.

The annual premium depends on the age of the adult member, family combination and the cover selected.

For 1 Adult, the annual premium is ₹4,123, ₹6,004 and ₹11,787 for the ₹1 lakh cover across the 18–40, 41–60 and 61–70 age bands. For the ₹5 lakh cover, it is ₹4,503, ₹6,558 and ₹12,876. The ₹10 lakh option costs ₹3,897, ₹5,675 and ₹11,142, while the ₹30 lakh cover costs ₹1,732, ₹2,523 and ₹4,953.

For 2 Adults, the annual premium is ₹7,256, ₹10,566 and ₹20,745 for the ₹1 lakh cover across the three age bands. For ₹5 lakh, it is ₹7,926, ₹11,543 and ₹22,662. The ₹10 lakh option costs ₹6,859, ₹9,988 and ₹19,610, while the ₹30 lakh cover costs ₹3,049, ₹4,440 and ₹8,717.

For 1 Adult + 1 Child, the annual premium is ₹6,596, ₹9,606 and ₹18,859 for the three age bands for the ₹1 lakh cover. For the ₹5 lakh cover, it is ₹7,205, ₹10,493 and ₹20,601. The corresponding premiums for ₹10 lakh are ₹6,235, ₹9,080 and ₹17,828, while the ₹30 lakh cover costs ₹2,772, ₹4,036 and ₹7,925.

For 1 Adult + 2 Children, the premiums are ₹8,389, ₹12,217 and ₹23,987 for the ₹1 lakh cover across the three age bands. For ₹5 lakh, they are ₹9,164, ₹13,346 and ₹26,202. The ₹10 lakh option costs ₹7,930, ₹11,549 and ₹22,675, while the ₹30 lakh option costs ₹3,525, ₹5,134 and ₹10,079.

For 2 Adults + 1 Child, the premiums are ₹9,523, ₹13,868 and ₹27,228 for ₹1 lakh; ₹11,989, ₹15,150 and ₹29,743 for ₹5 lakh; ₹9,002, ₹13,110 and ₹25,739 for ₹10 lakh; and ₹4,002, ₹5,828 and ₹11,441 for ₹30 lakh.

**Premium for 2 Adults + 2 Children **

For 2 Adults + 2 Children, the annual premium is ₹9,523, ₹13,868 and ₹27,228 for the ₹1 lakh cover across the three age bands. For ₹5 lakh, it is ₹11,989, ₹15,150 and ₹29,743. The ₹10 lakh option costs ₹9,002, ₹13,110 and ₹25,739, while the ₹30 lakh cover costs ₹4,002, ₹5,828 and ₹11,441.

Pre-existing diseases are covered after a 12-month waiting period with a Good Health Declaration. There is also a 30-day initial waiting period and a one-year waiting period for specified diseases and procedures.

The policy covers a Single Private Room for normal hospitalisation and ICU as per actuals. It also covers AYUSH treatment, mental illness, modern treatments, HIV, day-care procedures and domiciliary hospitalisation. Road ambulance cover is available up to ₹2,500 per emergency incident. Pre- and post-hospitalisation cover is 30 and 60 days respectively.

A Good Health Declaration is mandatory for all members who are being covered. The policy has a 30-day free-look period, and renewability is mentioned as being available up to lifetime.

The policy is applicable to Indian citizens and to those associated with NPS Swasthya account holders.

Disclaimer: This article is written purely for informational purposes and should not be considered investment advice from Upstox. Securities mentioned are illustrative and not recommendations. Investors should do their own research or consult a registered financial advisor before making investment decisions.