Reliance Super Top-up Insurance

Overview

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.

Inclusions

Discounts

• 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