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Reliance Health Super Top Up Insurance
A backup for your medical emergencies
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How wonderful is it to have a backup plan to your backup plan? A safe to give you more protection than you could imagine. Think of a scenario where your hospital bill exceeds the limit of your current health insurance plan. What will you do? A huge out-of-pocket medical expense is on the horizon. Worry not, this is where our Reliance Health Super Top Up Policy comes into the picture! Our top-up plan lets you focus on getting quality healthcare without worrying about the costs. The Reliance Health Super Top Up Policy is designed to provide financial protection and peace of mind during unforeseen medical emergencies. It offers a sum insured between ₹5 Lakh and ₹1.30 Crore along with multiple benefits like Worldwide Emergency Coverage, Maternity Cover and discounts up to 35%*. The Reliance Health Super Top Up Policy is your backup to your backup.
This refers to the medical treatment for which you have to stay in the hospital for more than 24 hours.
This covers medical expenses related to pregnancy, childbirth, or medically recommended and lawful termination of pregnancy. It also includes pre and post natal medical expenses and medical expenses incurred for In-patient treatment of new born baby from day 1 to 90 days.
This refers to the medical and/or surgical procedures that require hospitalisation of less than 24 consecutive hours.
This refers to the medical treatment that would normally require care and treatment at a hospital but is actually done at home due to special circumstances.
This refers to the medical expenses incurred for any organ transplant surgery conducted on you (policyholder).
This refers to the treatment done using ‘Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy’ systems.
This refers to the medical expenses you incurred before getting hospitalised.
This refers to the medical expenses incurred after you have been discharged from the hospital.
5% Discount
Get a 5% discount for buying this policy online.
11% Discount
Get a 11% discount for buying a 3-year policy (6% for 2 years).
Get a 5% discount if you have an existing health policy with us.
Get a 5% discount if you have an existing non-health policy with us.
Get a 5% discount for covering two or more daughters in your policy.
This benefit waives off the General Exclusion of ‘Deductible’ for Accidental Hospitalisation Claims.
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, which is admissible and payable under this cover.
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.
After every 3 consecutive and continuous policy years, get tests covered up to ₹3,000 covered if Sum Insured is less than ₹10 Lakhs and up to ₹5,000 covered if Sum Insured is more than ₹10 Lakhs.
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.
This is the amount your existing health plan will cover or the amount you’ll pay out of our pocket
This is the amount the Super Top Up plan will cover
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.
Inform the claims team regarding your hospitalisation. You can register a claim by writing to us, logging on to the Self-i App, or calling us on (022) 4890 3009 (Paid number)
Submit details regarding the type of treatment planned and provide all required documents to the claims team. They will start the process immediately.
Get cashless treatment at a our network hospitals. The claims team and hospital will settle all your bills.
Submit details regarding the type of treatment planned, start the treatment and make the payment
Submit your original scan documents within 7 days from hospital discharge to initiate the reimbursement
Click here to read the policy wordings to know more about the exclusions of Super Top Up Insurance.
A top-up health insurance like Reliance Super Top Up acts as a backup to your existing health insurance policy. So if you exhaust your existing health plan’s Sum Insured, the top-up policy will act as a safety net, saving you from paying exorbitant hospital bills.
A deductible is an amount you agree to pay towards your medical bills before a top-up plan like Reliance Super Top Up can step in to cover your hospital expenses.
Any disease, illness, or injury that was identified within 48 months of the commencement date of your policy is considered a pre-existing condition. Examples include excessive blood pressure and diabetes.
Before or after being admitted to the hospital, you may need to pay for some medical services. These could be follow-up medical appointments or post-surgery recuperation. Pre- and post-hospitalisation fees are what these costs are referred to as.
After the policy's commencement date, your health insurance policy is valid for a full year. You can get a two- or three-year insurance if you'd like your coverage to last longer.
No, if you add your family members to one plan, you only need to pay a single premium to cover everyone.
By using a credit card, debit card, UPI, net banking, or an EMI, you can pay your insurance premium.
With Reliance Super Top Up you enjoy several benefits like discounts up to 35%*, a high Sum Insured up to Rs.1.3 Cr. which covers your medical expenses, various add-ons like Maternity Cover, Ambulance Cover and more to give you enhanced protection.
The discounts available are 5% Online Discount, 5% Health Discount (if you have an existing health policy with us), 5% Girl Child Discount and more. You can avail up to 40%* discount with Reliance Super Top Up.
Reliance Super Top covers several medical expenses which include Inpatient Care (ICU charges, Nursing, Practitioner’s fees, related diagnostic tests), Pre and Post Hospitalisation expenses, Modern Treatments (Robotic Surgeries, Stem Cell therapy), Road Ambulance charges and more.
Yes, there are several beneficial add-ons available under Reliance Health Super Top Up including Maternity Cover, Ambulance Cover, Cumulative Bonus, Health Check-ups and more.
Yes, your health policy begins covering you from the day you purchase it. However, you have a 30-day waiting period for the treatment of any sickness or injury that leads to hospitalisation except those arising out of an accident.
Yes, you will get an 11% discount if you buy a 3-year policy and a 6% discount if you buy a 2-year policy.
No, there is no cap on the number of claims you can make in a year as long as you don’t exhaust your coverage amount or Sum Insured.
No, you do not need a pre-medical check-up to buy a top-up health insurance plan. Only applicants above the age of 45 are required to do a pre-medical check-up.
Yes, with Reliance Super Top Up you get worldwide coverage for emergency hospitalisation if you fall sick or meet with an accident while you’re abroad.
Yes, Reliance Super Top Up covers all your family members for medical expenses if you add them under the family floater plan.
Yes, maternity expenses are covered (within the defined limits) under Reliance Super Top Up but only if you opt for the Maternity Cover add-on in your policy.
You can choose any type of hospital room under Reliance Super Top Up since there is no limit on the room rent.
Only our network hospitals provide cashless facility. If you’re at a non-network hospital, you can get your treatment done and get reimbursed later.
You cannot submit a cashless claim if you receive care at a non-network hospital. In other words, you must pay the hospital expenses in full before our claims department can repay you.
12 December 2019, Kerala
13 February 2020, Hyderabad
5 February 2020, Vijayawada
14 January 2019, Bengaluru
08 June 2022, Haryana
29 March 2022, Karnataka
14 April 2022, Delhi
Disclaimers:*Maximum discount applicable per policy is 35%. | #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. | ++Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details. | ##Parents or Parents-in-law are allowed to be covered in a separate family floater Policy. | ^Get a maximum discount of up to 7.5% if you have both health and non-health policy with us. | *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.
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