What do we offer in this plan?
Plans on offer with Tenure available |
1 year,2 years,3 years
2 years,3 years
Room Category ||Single Private A.C Room (upto Deluxe Room) |
Type of Deductible** ||Annual Aggregate Deductible|| Long Term Aggregate Deductible|
We will cover medical expenses incurred on In-patient Treatment, along with Pre & Post Hospitalization.
Day Care Treatment- and procedures as advised by Medical Practitioner will also be covered.
|Up to Sum Insured, limited to the selected combination of Annual Aggregate Deductible||Up to Sum Insured, limited to the selected combination of Long term Aggregate Deductible. |
Domiciliary Hospitalization||Domiciliary hospitalization expenses are covered if the insured is unable to receive treatment at a hospital due to unavailability of a hospital room or incapable of being shifted to the hospital due to a medical condition||Up to Sum Insured, subject to Annual Aggregate Deductible||Up to Sum insured, subject to Long Term Aggregate Deductible |
Maternity Cover||Medical Expenses related to pregnancy, childbirth, or medically recommended and lawful termination of pregnancy are covered along pre and post natal medical expenses and medical expenses incurred for In-patient treatment of new born baby from day 1 to 90 days||Max up to ₹ 2 lakhs subject to Annual Aggregate Deductible||Max up to ₹ 2 lakhs subject to Long Term Aggregate Deductible |
Organ Donor||Medical Expenses incurred during Hospitalization, in respect of donor for any organ transplant Surgery performed on Insured will be covered||Up to Sum Insured subject to Annual Aggregate Deductible||Up to Sum Insured subject to Long Term Aggregate Deductible |
AYUSH Treatment||Medical Expenses incurred on treatment under Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy will be covered||Up to Sum Insured subject to Annual Aggregate Deductible||Up to Sum Insured subject to Long Term Aggregate Deductible |
Ambulance Cover||Expenses on availing Ambulance services offered by a Hospital or by an Ambulance service provider on Inpatient hospitalization will be covered||₹ 3500 per hospitalization
Emergency Air Ambulance Cover||Expenses incurred on availing Air Ambulance services from the place of first occurrence of the Illness/Accident to the nearest Hospital will be covered|
Maximum upto ₹ 2lakhs for Policies having Sum Insured less than Rs 10 lakhs and ₹ 5lakhs for Policies having Sum Insured greater than and equal to ₹ 10 lakhs
Available once in each Policy Year
Modern Treatments||Medical expenses incurred on treatment of listed Modern Treatments within the policy||Up to Sum Insured subject to Annual Aggregate Deductible||Up to Sum Insured subject to Long Term Aggregate Deductible |
Additional Item Cover||This cover indemnifies the Insured Person for Reasonable and customary expenses incurred towards Optional Items listed here||Up to Sum Insured subject to Annual Aggregate Deductible||Up to Sum Insured subject to Long Term Aggregate Deductible |
Personal Accident |
Waiver of Deductible for Accidental Claims|
This cover waives off the General Exclusion of 'Deductible' for Accidental Hospitalization Claims
Renewal Benefits |
Waiver of Premium-On first Diagnosis of Critical Illness|
This 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 Bonus||This 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 Up|
After 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.
Worldwide Emergency Cover|
Medical Expenses incurred on Medical Emergency Inpatient, Day Care or outpatient treatment, whilst overseas will be covered under the policy
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.
policy wordings for more details on coverage.
Know about your deductible and sum insured value-
|2 lakhs||5 lakhs||8 lakhs||13 lakhs|| --|| --|
|3 lakhs||7 lakhs||12 lakhs||22 lakhs||47 lakhs|| --|
|4 lakhs||6 lakhs||11 lakhs||21 lakhs||46 lakhs|| --|
|5 lakhs||5 lakhs||10 lakhs||20 lakhs||45 lakhs||95 lakhs|
|6 lakhs||9 lakhs||19 lakhs||44 lakhs||94 lakhs|| --|
|9 lakhs||16 lakhs||41 lakhs||91 lakhs|| --|| --|
|10 lakhs||15 lakhs||40 lakhs||90 lakhs|| --|| --|
|12 lakhs||13 lakhs||38 lakhs||88 lakhs|| --|| --|
|15 lakhs||35 lakhs||60 lakhs||85 lakhs|| --|| --|
|18 lakhs||32 lakhs||57 lakhs||82 lakhs|| --|| --|
|20 lakhs||30 lakhs||55 lakhs||80 lakhs||130 lakhs|| --|
|30 lakhs||45 lakhs||70 lakhs||120 lakhs|| --|| --|
Policy Plans Illustration:
|Sum Insured (INR)||3 lakhs|
|Deductible (INR)||2 lakhs|
|Policy Period||2 years|
|Policy Start Date||23-11-2020|
|Policy End Date||22-11-2022|
Date of admission
Payable claim amount
|Policy Year 1|
(23-11-2020 to 22-11-2021)
|Claim1||12-01-2021|| 1,00,000||- ||- |
| ||Claim2||02-04-2021|| 2,00,000||1,00,000||1,00,000|
|End of Policy Year1|
(: Sum Insured Replenished in both cases>>
| || || ||Deductible reset>>||No deductible reset>>|
|Policy Year 2(23-11-2021 to 22-11-2022) ||Claim 3||28-12-2021|| 2,00,000||- ||2,00,000|
|Claim 4||27-06-2022||1,00,000||1,00,000||1,00,000 |
Total: Policy Year 1 & Policy Year2
(23-11-2020 to 22-11-2022)
|End of Policy Year2: Sum Insured Replenished in both cases>>|| || || ||Deductible reset>>||Deductible reset>>|
- The policy has a Sum Insured of 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.
Who is eligible to buy the policy:
Policy can be issued to an individual or family floater basis**.
Minimum entry age shall be 18 years and maximum age is 65 years for the policy proposer. Policy can be availed for self and the following family members
i. legally wedded spouse.
ii. Parents and Parents-in-law***.
iii. 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.
**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.
Policy can be taken for 1/2/3 years and offers lifelong renewal.
Waiting Period for this policy:
1. 30-Days Waiting Period from the policy start date, except for claims arising due to Accident.
2. 3 Years Standard Waiting Period for Pre-Existing Diseases (Option to reduce to 2 years)
3. 2 Years Waiting Period for Specific Diseases as listed in the Policy
4. 12 Months Waiting Period for Maternity Cover from Policy start Date
What we don't cover
- 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
- 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
This list is indicative. For detailed understanding of general and permanent exclusions do read the prospectus / policy wordings available on our website
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 Date||
Retention %(of Full Policy Period Premium)|||||
|Beyond 24 months|| ||NA||100.00%|
*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 and levies for single person aging between 0 Months to 21 years for Sum Insured of Rs. 5lacs & Deductible amount as Rs.5 lacs considering no adverse health conditions/preexisting 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.
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.