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Reliance Hospi-Care Policy
It's not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents an…
- 150+ listed surgeries
- 140+ daycare procedures
- Daily hospital cash
Reliance Health Insurance
Reliance Super Top-Up Insurance Plan
Reliance Health Super Top-up Insurance offers multiple coverage option ...Read More
Up to 5 Cr
Sum insured
1
No. of plans
127+
Pan India presence
87.50%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
About Reliance Super Top-Up Insurance Plan
A quick read on what this Reliance Health Insurance plan covers and why it might be a fit for you.
A backup for your medical emergencies.
Reliance Health Super Top-up Insurance acts as an essential addition to your basic health insurance. If you feel your existing health insurance policy isn't sufficient to cover your healthcare expenses, this super top-up policy can provide enhanced financial security. Reliance Health's Super Top-up Insurance includes multiple coverage options such as inpatient care (including ICU charges), diagnostic tests, pre and post-hospitalisation expenses, modern treatments like robotic surgeries and stem cell therapy, and road ambulance services.
This policy comes with two plan options—Plan A and Plan B—each offering several features to cater to your healthcare needs:
- Waiver of deductible for accidental claims
- Renewal benefits:
- Waiver of premium on first diagnosis of critical illness
- Cumulative bonus
- Health check-up
- Deductible buy-back (Optional benefit)
- Global cover: Worldwide emergency cover
The features and benefits extend beyond these. Read more about the specifications, benefits, eligibility criteria, exclusions, and other details in the further sections of this page.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 – 65 Years
Plan type
Top Up and Super Top Up
Sum insured options
₹5 L, ₹10 L, ₹50 L, ₹1 L, ₹1 L
Waiting period
30 days
Renewability
Every year
Policy term
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Waiver of premium
- Waiver of deductible
- Worldwide emergency cover
- Tax benefits
Cons
- Investigation & evaluation
- Rest cure/rehabilitation and respite care
- Obesity/weight control unless life-threatening
- Change-of-gender treatments
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Covered
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Discounts You can avail of significant discount benefits under the Reliance Health Super Top-up policy, categorized as follows: Online discount: 5%
- Long-term discount: 6% for 2 years & 11% for 3 years policy
- Health discount: 5%
- Non-health discount: 5%
- Girl child discount: 5% for covering 2 or more girls
- Waiver of premium In case of diagnosis with any of the listed critical illnesses under this policy, the one-year premiums on renewal will be waived.
- Waiver of deductible In case of an accidental claim, the deductible limit will be waived under this benefit.
- Worldwide emergency cover Available within the Sum Insured, subject to a deduction of US $100 on every claim for up to 45 days of international travel on a cumulative basis.
- Tax benefits Avail of the tax benefit under Section 80D of the Income Tax Act of India.
Exclusions
- Permanent diseases or health conditions that are not included under Reliance Super Top-up Insurance Plan are:
- 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
- Treatment/consequences due to alcoholism/drug abuse
- Dietary supplements
- Refractive error
- Birth control, sterility, and infertility
- Outpatient treatment
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1.3 Cr
Other features & benefits
- 5% Online discount
- ICU charges
- AYUSH treatment
- Maternity cover
Reliance Super Top-up Insurance: FAQs
The 6 most-asked questions about Reliance Super Top-Up Insurance Plan, answered.
It provides you with the backup for a medical emergency that may arise due to certain conditions requiring extra care and surplus (either medically or financially).
The Reliance Health super top-up insurance has an individual and family floater category, however, you can include the family members under the same policy if opted as a family floater.
The major benefits of this plan include worldwide emergency coverage, maternity and newborn expenses, air ambulance coverage, etc.
Apart from the insured individual, legally wedded spouse, parents, parents-in-law, and dependent children (including legally adopted) between the ages of 3 months to 25 years can be covered under the Reliance Health super top-up policy.
The SI of this plan ranges between 5 Lakhs to 1.3 Crore, the sum insured range will decide your deductible option. The available deductible value is between INR 2 Lakhs to 30 Lakhs.
Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.
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