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Buy Super Top-Up Health Insurance & Get upto 35% Off | Reliance General Insurance

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Super Top-Up Insurance

Get Rs. 5 lacs health insurance starting at Rs. 7/day

Worldwide
Treatment**
Maternity
Cover
Air Ambulance
Cover
Get Quote
TAX SAVING
U/S 80D##
COVERS COVID19
TREATMENT COST
CLAIM SETTLEMENT
RATIO IN FY 19-20^

What is Reliance Health Super Top Up?

The Super Top-up health plan covers the balance amount payable for medical bills after you have paid the deductible, that is the fixed expense that you have to pay despite having a health policy. You can buy this top-up plan even if you do not have an existing health policy.
It offers robust cover during medical emergencies. A major surgery, critical illness or a disease that needs long-term treatment—all these can raise your healthcare expenses exponentially. Meanwhile, this plan can help you avoid digging into your savings as it offers a sum insured (SI) between Rs 5lakh and Rs 1.30 crore. Apart from covering for several diseases, this plan also provides:

Hospitalisation and treatment cover in India and abroad
Travel by road and air ambulance
Maternity expenses during hospitalisation and home-care up to certain limits
Premium waiver if you are diagnosed with a critical illness
Free health check-up to find out health problems No Claim Bonus during renewals
Exemption of deductibles in case of hospitalisation due to accidents
Attractive discounts under various categories
Option to customise your plan
Individual and family floater policies
Coverage for parents-in-laws
Coverage for COVID-19 with a waiting period of 15 days

Why choose Reliance Super Top-up Health Insurance?

Flexible deductibles
Deductible in health insurance is the amount that you must pay out of your pocket before your insurer settles the remaining claim amount. For flexible deductibles, you can choose the amount without any compulsion. By selecting a higher deductible, you can lower the premium amount.
Wide network hospital
With more than 8000 network hospitals across the world, you can avail of cashless treatment facilities at places beyond your home location. Get treatments worldwide including facilities such as air ambulance cover even when you are travelling abroad.
Attractive discounts
Get attractive discounts* up to 35% under various heads while buying this policy. Starting from a 5% discount* for the girl child and an additional 5% for online purchase, there is also an 11% discount* for buying multi-year policies.
Hassle-free claims
Our claim settlement for policyholders is around 98%. You can raise an offline or online claim at your convenience. Also, there is a provision to raise claims while you are travelling abroad.
No medical test
If you are below 45 years, your insurer would not ask for any medical test while buying the policy. You may have to submit a declaration mentioning any pre-existing conditions such as diabetes, hypertension etc. if applicable.
Customisation option
Your healthcare requirements could be different from what a particular policy offers. You can now customise your health insurance plan in terms of the policy term, sum insured and deductibles. It would also take care of your budget
Pandemic cover
Get covered against the expenses related to COVID-19 treatment and avoid paying for the exorbitant hospital costs out of your pocket. There could be a 15-day waiting period to avail of the benefits.
High sum insured
You can opt for a sum insured between Rs 5 lakh and Rs 1.30 crore as per your requirement. You can claim the entire sum insured for hospitalisation, domiciliary or home treatment etc. subject to the policy terms.
Get treated anywhere
You can opt for hospitalisation and treatment within the country or abroad depending on the type of plan. There are several network hospitals across the world that offer quality medical care.
One-time deductibles
Pay a one-time annual deductible for policies valid for a year and aggregate deductibles for long-term plans. For long term plans, you have to pay the deductible amount at the end of two years or later if you make a claim.
Easy claim process
The claim process is simple and easy. You just have to inform the insurer and TPA (third-party administrator) about the hospitalisation or need for treatment. The TPA would assist you in locating the nearby network hospital and getting cashless treatment.
24x7 service
During a medical emergency, inform the claims team regarding hospital admission. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call up (022) 4890 3009 (Paid Number).

Beneficial discounts and offers

Online discount
5% discount* on buying this policy online
Long-term discount 
Upto 11% discount* on buying 2/3 years policy
Health discount
5% discount# on RGI health policy
Retail discount
5% discount# on RGI retail policy (non-health)
Girl child discount 
5% discount for girl child

Plans that we have in store for you

Plans with tenure availablePlan ​A
(1 year, 2 years, 3 years)
Plan B
(2 years, 3 years)
Room CategorySingle Private A.C Room (Upto Deluxe Room)
Type of Deductible**Annual Aggregate DeductibleLong Term Aggregate Deductible

Base Coverage

CoverLimits
Hospitalization Expenses Up to Sum Insured, limited to the selected combination of Annual Aggregate DeductibleUp to Sum Insured, limited to the selected combination of Long term Aggregate Deductible.
Domiciliary Hospitalization ​Up to Sum Insured, subject to Annual Aggregate Deductible Up to Sum insured, subject to Long Term Aggregate Deductible
Maternity Cover Max up to ₹ 2 lakhs subject to Annual Aggregate DeductibleMax up to ₹ 2 lakhs subject to Long Term Aggregate Deductible
Organ Donor Up to Sum Insured subject to Annual Aggregate DeductibleUp to Sum Insured subject to Long Term Aggregate Deductible
AYUSH Treatment Up to Sum Insured subject to Annual Aggregate DeductibleUp to Sum Insured subject to Long Term Aggregate Deductible
Ambulance Cover ₹ 3500 per hospitalization
Emergency Air Ambulance Cover Maximum up to ₹ 2 lakhs for policies having sum insured less than Rs 10 lakhs and ₹ 5 lakhs for policies having sum insured greater than and equal to ₹ 10 lakhs
available once in each policy year
Modern Treatments Up to Sum Insured subject to Annual Aggregate DeductibleUp to Sum Insured subject to Long Term Aggregate Deductible
Additional Item Cover
Click here to view the list
Up to Sum Insured subject to Annual Aggregate DeductibleUp to Sum Insured subject to Long Term Aggregate Deductible

Personal Accident

Waiver of Deductible for Accidental ClaimsThis cover waives off the General Exclusion of 'Deductible' for Accidental Hospitalization Claims

Renewal Benefits

Waiver of Premium-On first Diagnosis of Critical IllnessThis benefit automatically waives off the renewal Policy premium for one year for the next renewal in case of Diagnosis of any of the listed Critical Illness. For long term policies, the Company shall waive one-year proportionate renewal Policy premium of the next renewal.
Aggregate Deductible shall not be applicable to this benefit.
This benefit is provided once in the lifetime of the Insured Person
Cumulative BonusThis renewal benefit will provide 10% of expiring Policy Year Base Sum Insured as Cumulative Bonus at the end of a claim-free Policy Year, subject to a maximum of 50% of Base Sum Insured
Health Check UpAfter every 3 consecutive and continuous Policy Years, this benefit shall provide the listed medical check-up expenses. The benefit is limited to ₹ 3000 for policies with Deductible less than ₹10 lakhs, and up to ₹ 5000 for policies with Deductible greater than and equal to ₹10 lakhs. The benefit shall be available on Cashless basis only.
Deductible-Buy Back (Optional Benefit)​At the end of four consecutive and continuous Hospitalization free Policy Years, if the Policyholder avails the option to buy back the Deductible amount then no Deductible shall apply on such renewal and the Base Sum Insured under the Policy shall be sum of expiring Policy's Base Sum Insured and expiring Policy's Deductible.

Global Cover​

Worldwide Emergency Cover Within the Sum Insured subject to a deduction of US $100 on each and every claim.
Available for up to 45 days of international travel on cumulative basis.

Deductible and sum insured value

Deductible​Sum InsuredDeductible​Sum Insured
2 Lakhs5 Lakhs, 8 Lakhs, 13 Lakhs10 lakhs15 lakhs, 40 lakhs, 90 lakhs
3 lakhs7 lakhs, 12 lakhs, 22 lakhs, 47 lakhs12 lakhs13 lakhs, 38 lakhs, 88 lakhs
4 lakhs6 lakhs, 11 lakhs, 21 lakhs, 46 lakhs15 lakhs35 lakhs, 60 lakhs, 85 lakhs
5 lakhs5 lakhs, 10 lakhs, 20 lakhs, 45 lakhs, 95 lakhs18 lakhs32 lakhs, 57 lakhs, 82 lakhs
6 lakhs9 lakhs, 19 lakhs, 44 lakhs, 94 lakhs20 lakhs30 lakhs, 55 lakhs, 80 lakhs, 130 lakhs
9 lakhs16 lakhs, 41 lakhs, 91 lakhs30 lakhs45 lakhs, 70 lakhs, 120 lakhs

Policy Plans Illustration

Policy Details​
Sum Insured (INR)3 lakhs
Deductible (INR)2 lakhs
Policy Period2 years
Policy Start Date23-11-2020
Policy End Date22-11-2022
Policy Details​Illness/ Hospitalization No.Date of admissionMedical ExpensesPayable claim amount
Plan APlan B
Policy Year 1 (23-11-2020 to 22-11-2021)Claim112-01-20211,00,000----
Claim202-04-20212,00,0001,00,0001,00,000
End of Policy Year 1 (Sum Insured Replenished in both cases>>------Deductible reset>>No deductible reset>>
Policy Year 2(23-11-2021 to 22-11-2022)Claim 328-12-20212,00,000--2,00,000
Claim 427-06-20221,00,0001,00,0001,00,000
Total: Policy Year 1 & Policy Year 2 (23-11-2020 to 22-11-2022)----6,00,0002,00,0004,00,000
End of Policy Year 2: Sum Insured Replenished in both cases>>------Deductible reset>>Deductible reset>>​
  • The policy has a Sum Insured of Rs. 3 lakhs which replenishes every year
  • The Deductible of Rs. 2 lakhs, resets every year for Plan A (Annual Aggregate Deductible) and resets at the end of the Policy term (2 years) for Plan B (Long term Aggregate Deductible)
  • Hence there is no difference in outcomes for plans A and B for the first year of the policy, where claim becomes payable once the expenses cross Rs. 2 lakhs in aggregate
  • The policyholder in Plan B gets a higher claim payment in year 2 since the deductible is not reset. It is important to note that Sum Insured is replenished at the year-end in all cases.

Take a look at the eligibility criteria

Age Entry 18 years to 65 years**
Policy Type Individual and the following family members
  • legally wedded spouse.
  • Parents and Parents-in-law***.
  • Dependent Children (i.e. natural or legally adopted) between the age of 3 months to 25 years. If the child above 18 years of age is financially independent, the child will be ported to an Individual Policy having a separate Sum Insured and treated as an Adult​.
  • Pre-Policy medical checkup- ​55 years & above and/or proposals with Deductible + Sum Insured amount >= 25 lakhs.
Policy Period​ 1 year, 2 years & 3 Years​ and offers lifelong renewal
Sum Insured​​ 5 lacs, 6 lacs, 7 lacs, 8 lacs, 9 lacs, 10 lacs, 11 lacs, 12 lacs, 13 lacs,​​ 15 lacs, 16 lacs, 19 lacs, 20 lacs, 21 lacs, 22 lacs, 30 lacs, 32 lacs, 35 lacs, 38 lacs, 40 lacs, 41 lacs, 44 lacs, 45 lacs, 46 lacs, 47 lacs, 55 lacs, 57 lacs, 60 lacs, 70 lacs, 80 lacs, 82 lacs, 85 lacs, 88 lacs, 90 lacs, 91 lacs, 94 lacs, 95 lacs, 120 lacs, 130 lacs

**Individual can cover upto 8 members with 6 childrens max and family floater can cover upto 8 members of a family with maximum 2 adults ​only. Read policy wording carefully to know the details.
***Parents or Parents-in-law are allowed to be covered in a separate family floater Policy.​

Waiting period for Reliance Health Super Top Up

Waiting period 30-Days Waiting Period from the policy start date, except for claims arising due to Accident.
A specific waiting period 2 Years Waiting Period for Specific Diseases as listed in the Policy
Pre-existing Diseases waiting period​ 3 Years Standard Waiting Period for Pre-Existing Diseases (Option to reduce to 2 years)​
Maternity Cover 12 Months Waiting Period for Maternity Cover from Policy start Date​

Take a look at the exclusions for Reliance Health Super Top Up

  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Obesity/ Weight Control unless life-threatening
  • Change-of-Gender treatments
  • Cosmetic or Plastic Surgery unless for accident, cancer or burns
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Drugs or treatments
  • Wellness and Rejuvenation
  • Dietary Supplements & Substances
  • Refractive Error
  • Birth control, Sterility and Infertility
  • Deductible
  • External Congenital Anomaly
  • Outpatient treatment
  • Treatment other than Medically Necessary Treatment
  • Charges other than Reasonable & Customary Charges
  • Overseas treatment except for benefits provided under the Worldwide Emergency Cover
  • Self-injury or suicide
  • Treatment Outside Discipline
  • Nuclear Attack
  • War

Note- This list is indicative. For detailed understanding of general and permanent exclusions do read the prospectus / policy wordings available on our website www.reliancegeneral.co.in

Easy & faster claim process

You can choose between cashless and reimbursement claims as per your convenience. For cashless claims, you must get treated at a network hospital where the insurer would settle the bills directly with the hospital authorities. If you want reimbursement claims, pay your bills initially and retain the original bills and receipts. Submit the original bills when you raise the claim.

Cashless
Reimbursement
1
Register Claim
During a medical emergency, inform the claims team regarding hospital admission. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call up (022) 4890 3009 (Paid Number).
2
Claim Process
Submit details regarding the type of treatment planned and provide all required documents to the claims team. They will start the process immediately.
3
Claim Approval
Get cashless treatment if you have opted for a network hospital. For non-network hospitals, you can follow the process as mentioned by the insurer.

Free-look period and Policy Cancellation

The insured will be allowed a period of fifteen days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable. If there has been no claim in the 15 day period, a complete refund of the premium will be given to the policyholder.

The policyholder may also cancel this policy later by giving 15days' written notice and, the Company shall refund premium for the unexpired policy period as detailed below.

Cancellation date up to (x months) From Policy Period Start DateRetention %(of Full Policy Period Premium)
Policy Period1 year2 years3 years
Up to 1 Month025.00%12.50%8.30%
Up to 3 Months50.00%25.00%16.70%
Up to 6 Months75.00%37.50%25.00%
Up to 9 Months100.00%50.00%33.30%
Up to 12 Months100.00%75.00%50.00%
Up to 18 MonthsNA100%75%
Up to 24 MonthsNA100%87.5%
Beyond 24 months--NA100.00%​
*Discount applicable per policy is limited to 25%, 30% and 35% for 1, 2 and 3 year policies respectively. ​​​​5% discount applicable for each policy (Health or Non-Health), with a maximum discount of 7.5 percent.
**Within the Sum Insured subject to a deduction of US $100 on each and every claim. Available for up to 45 days of international travel on cumulative basis​.
^Starting cost in the advertisement / SMS is excluding taxes for single person single person aging between 0 Months to 21 years with individual health policy for Sum Insured of ₹ 5 lakhs with deductible amount of ₹5 lakhs considering no adverse health conditions/preexisting disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium quoted of ₹2,650 & ₹3,514 in the advertisement/ SMS is excluding taxes for single person aging between 22 years to 35 years with individual health policy for Sum Insured of ₹40 lakhs with deductible of ₹10 lakhs & 45 lakhs with deductible of ₹5 lakhs respectively considering no adverse health conditions / pre-existing disease/medical conditions with waiting period of 3 years. This cost may vary basis medical and health conditions. For more details, please refer to the policy wordings. Premium quoted of ₹7,998 in the advertisement/ SMS is excluding taxes for 2 Adult + 2 Children (with highest age of adult being 35 years) with family floater health policy for Sum Insured of ₹90 lakhs with deductible of ₹10 lakhs considering no adverse health conditions / pre-existing disease/medical conditions with waiting period of 3 years. This cost may vary basis medical and health conditions. For more details, please refer to the policy wordings.
#Cost mentioned in the advertisement / SMS is an annual premium excluding taxes and levies for single person aging between 0 months to 21 years for Sum Insured of Rs.10 lacs = INR 1738 , Rs. 20 lacs = INR 2216 & Rs .95 lacs = INR 3263 with Deductible amount as Rs.5 lacs considering no adverse health conditions/preexisting disease/medical conditions & waiting period of 3 years. This cost may vary basis medical and health conditions. For more details please refer to the policy wordings.
Deductions are subject to provisions of Sec.80D of the Income Tax Act, 1961 'the Act' and applicable amendments and are subject to change in the tax laws. 80D deduction is subject to fulfillment of terms and conditions mentioned in the Act.
T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy ​wording carefully before concluding a sale. The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.​​​​​​​

Here's what our customers say about us!

RCAP
 *T&C apply |  reliancegeneral.co.in | 1800 3009 (Toll Free) | IRDAI Registration No. 103. Reliance General Insurance Company Limited. Registered and Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai- 400063. Corporate Identity Number:U66603MH2000PLC128300. Trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.

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