Super Top-Up Insurance

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 5 Lakh 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 9,100+ network hospitals across the country, 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 98.6%. 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 available	Plan ​A (1 year, 2 years, 3 years)			Plan B (2 years, 3 years)
Room Category	Single Private A.C Room (Upto Deluxe Room)
Type of Deductible**	Annual Aggregate Deductible			Long Term Aggregate Deductible
Base Coverage​
Cover	Limits
Hospitalisation Expenses	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 Hospitalisation	​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 Deductible			Max up to ₹ 2 Lakhs subject to Long Term Aggregate Deductible
Organ Donor	Up to Sum Insured subject to Annual Aggregate Deductible			Up to Sum Insured subject to Long Term Aggregate Deductible
AYUSH Treatment	Up to Sum Insured subject to Annual Aggregate Deductible			Up 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 Deductible			Up 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 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 Hospitalisation 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

Take a look at the eligibility criteria

**Individual can cover upto 8 members with 6 children 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

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 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.