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Reliance Health Super Top Up

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Reliance Health Super Top Up



Up t​o 35%



Air Ambu​lance

We all have a backup plan for everything in life, but do you have one to pay your surplus medical bills? Well, with the rising medical costs, one would never know how much health insurance is adequate and hence, it is extremely essential that you have a Plan B worke​d up to back you in case of a medical emergency. And that is why, we at Reliance General Insurance bring to you an amazing product that would give you the ­financial cushioning you require when your hospitalization claim bill crosses your set deductible limit, which you could pay from your existing health policy or out of your pocket. And the good news is that, you can avail this product even if you don’t have a health policy.

Here are the discounts we have in store for you –

Description​​ Discounts
RGI Health Policy discount​5% for each category, maximum total 7.5% ​
RGI Retail Policy discount (non-health)
Digital Discount
Girl child discount (for covering two or more girl children)5%
2 year Policy Discount6%
3 year Policy Discount11%​

What we cover in this plan-​ 

We'll be here, there, everywhere

Expenses incurred during medical emergencies overseas for Inpatient, Day Care or Outpatient treatment will be covered. 

Covers road and air ambulance

Emergency Air Ambulance expenses from the place of ­first occurrence of the Illness/Accident to the nearest Hospital will be covered maximum up to Rs.2 lakhs for policies with Sum Insured that is less than Rs.10 lakhs and Rs.5 lakhs for policies with Sum Insured greater than and equal to Rs.10 lakhs. 

We cover the mother & the baby

 Maternity expenses including prenatal, postnatal and in-patient treatment medical expenses covered for the mother and the baby starting from day 1 to 90 days within the maternity limits. Covered Max up to Rs.2 lakhs subject to Annual Aggregate deductible. 

Premium Waiver on Detection of Critical Illness

We will automatically waive off the renewal of your policy premium one time for an entire year, in case you are detected with any of the listed Critical Illness. 

Free Health Check Up, Because We Care

We will cover your diagnostic or preventive medical checkup expenses at the end of 3 consecutive and continuous policy years. 

Deductible Waiver For Accidental Claim

We've waived off the general exclusion of 'Deductible' in case of an accidental hospitalisation claim just for you​​​​​​

​What do we offer in this plan?


Plans on offer with Tenure available

Plan ​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 Deductible​ Long Term Aggregate Deductible
Base Covers
Cover Brief Description ​Limits ​ ​

Hospitalization Expenses


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 DeductibleUp to Sum Insured, limited to the selected combination of Long term Aggregate Deductible. ​
Domiciliary HospitalizationDomiciliary 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 conditionUp to Sum Insured,  subject to Annual  Aggregate DeductibleUp to Sum  insured, subject to Long Term Aggregate Deductible ​
Maternity CoverMedical 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 daysMax up to ₹ 2 lakhs subject to Annual  Aggregate DeductibleMax 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 coveredUp to Sum Insured subject to Annual  Aggregate DeductibleUp to Sum Insured subject to Long Term Aggregate Deductible ​
AYUSH TreatmentMedical Expenses incurred on treatment under Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy will be coveredUp to Sum Insured subject to Annual  Aggregate Deductible​Up to Sum Insured subject to Long Term Aggregate Deductible ​
Ambulance CoverExpenses 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 CoverExpenses 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 TreatmentsMedical expenses incurred on treatment of listed Modern Treatments within the policyUp to Sum Insured subject to Annual  Aggregate DeductibleUp to Sum Insured subject to Long Term Aggregate Deductible ​
Additional Item CoverThis cover indemnifies the Insured Person for Reasonable and customary expenses incurred towards Optional Items listed hereUp to Sum Insured subject to Annual  Aggregate DeductibleUp 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 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 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.

Global Cover​
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.


Refer to policy wordings for more details on coverage.

Know about your deductible and sum insured value-

The amount that can be paid out of pocket or through your existing health insurance policy is referred as the deductible amount. The top-up will be applied if your claim exceeds your deductible amount 
​Sum Insured​​
2 lakhs5 lakhs8 lakhs13 lakhs --
3 lakhs7 lakhs12 lakhs22 lakhs47 lakhs --
4 lakhs6 lakhs11 lakhs21 lakhs46 lakhs --
5 lakhs5 lakhs10 lakhs20 lakhs45 lakhs95 lakhs
6 lakhs9 lakhs19 lakhs44 lakhs94 lakhs --
9 lakhs16 lakhs41 lakhs91 lakhs --
10 lakhs15 lakhs40 lakhs90 lakhs --
12 lakhs13 lakhs38 lakhs88 lakhs --
15 lakhs35 lakhs60 lakhs85 lakhs --
18 lakhs32 lakhs57 lakhs82 lakhs --
20 lakhs30 lakhs55 lakhs80 lakhs130 lakhs --
30 lakhs45 lakhs70 lakhs120 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 Year



Hospitalization No.

Date of admission

Medical Expenses

​Payable claim amount

Plan A Plan B
Policy Year 1
(23-11-2020 to 22-11-2021)
Claim112-01-2021                    1,00,000-  -  
 Claim202-04-2021                    2,00,0001,00,0001,00,000
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 328-12-2021                    2,00,000-  2,00,000
Claim 427-06-20221,00,0001,00,0001,00,000  

Total: Policy Year 1 & Policy Year2

(23-11-2020 to 22-11-2022)

  6,00,000 2,00,000 4,00,000
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​.

iv. 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 Tenure

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
  • 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

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)
Policy Period 1year 2 years 3 years
Upto1 Month25.00%12.50%8.30%
Upto3 Months50.00%25.00%16.70%
Upto6 Months75.00%37.50%25.00%
Upto9 Months100.00%50.00%33.30%
Upto12 Months100.00%75.00%50.00%
Upto18 MonthsNA100%75%
Upto24 MonthsNA100.00%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 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.​​