Reliance Super Top-Up Insurance Plan

A backup for your medical emergencies.

Reliance Health Super Top-up insurance acts like a cherry on the cake. In case you feel your basic health insurance policy isn't enough to cover your healthcare expenses, this super top-up policy can work wonders for you. Reliance Health's super top-up insurance has multiple coverage options such as inpatient care including ICU charges cover, diagnostic tests, pre and post-hospitalisation expenses, modern treatments like robotic surgeries, stem cell therapy, road ambulance services and more.

This policy comes with two plan options- Plan A and Plan B under which there are several options to cater to your healthcare needs. These are:

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 are not over yet! Reliance Health's super top-up health insurance offers more than all of these benefits. Read more about its specifications, benefits, eligibility criteria, exclusions, etc in further sections of this page.

Reliance Super Top-Up Insurance Plan Specifications

To understand Reliance Super Top-Up Insurance Plan Insurance in detail, take a look at the below table:

Entry Age

18 – 65 Years

Policy Type

Top Up and Super Top Up

Sum Insured

5 L | 10 L | 50 L | 1 Cr | 1.3 Cr

Initial 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.

Read more specifications in the brochure.

Choose Your Reliance Super Top-Up Insurance Plan

With wide coverage options available, Reliance Super Top-Up Insurance Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

Benefits of Reliance Health Super Top-Up Insurance

Discounts
You can avail of a huge discount benefit under the Reliance Health Super Top-up policy, the category of which is mentioned below: 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 off under this benefit.
Worldwide emergency cover
Available within the SI 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 of Reliance Super Top-up Insurance Plan

Permanent 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

Explore other Reliance Health Insurance

To cater to the different medical needs of an individual & their family, Reliance Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Reliance Health Insurance plans explore more:

Individual

Reliance Health Personal Accident

Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child edu...

Unique Features

Death Cover
Upto 20L SI
Disability Cover

Reliance Health Personal Accident (Pros)

Children education fund
Accident hospitalization reimbursement
Increase in CSI

Reliance Health Personal Accident (Cons)

HIV/AIDS
Breach of law
Maternity and newborn baby cover
Daycare procedures

Reliance Health Personal Accident (Other Benefits)

Accidental death cover
PTD/PPD/TTD covers
Cumulative bonus

Reliance Health Personal Accident (Eligibility Criteria)

Entry Age: Minimum: 18 Years
Dependent Children: 5 to 25 Years
Sum Insured: 5 - 20 Lakhs
Waiting period: Accidental death covered from day 1

Individual and Family Health Insurance

Reliance HealthWise Policy

Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes i...

Unique Features

Customize Your Plan
Critical Illness Cover
Recovery Benefit

Reliance HealthWise Policy (Pros)

Daily Hospitalization Allowance
Domiciliary Hospitalization
Critical Illness Cover

Reliance HealthWise Policy (Cons)

Global coverage
OPD not available
AYUSH treatment not covered

Reliance HealthWise Policy (Other Benefits)

In-patient hospitalization
Daycare procedures
Modern treatment cover
Ambulance charges

Reliance HealthWise Policy (Eligibility Criteria)

Entry age: 18 - 65 Years
SI: 1 L - 5 L
Initial waiting period: 30 Days

Top Up and Super Top Up

Reliance Super Top-Up Insurance Plan

A backup for your medical emergencies. Reliance Health Super Top-up insurance acts like a cherry on the cake. In case you feel your basic health insur...

Unique Features

Worldwide emergency cover
Maternity expenses
Air ambulance cover

Reliance Super Top-Up Insurance Plan (Pros)

Waiver of premium
Waiver of deductible
Worldwide emergency cover
Tax benefits

Reliance Super Top-Up Insurance Plan (Cons)

Investigation & evaluation
Rest cure/ rehabilitation and respite care
Obesity/ weight control unless life-threatening
Change-of-gender treatments

Reliance Super Top-Up Insurance Plan (Other Benefits)

5% Online discount
ICU charges
AYUSH treatment
Maternity cover

Reliance Super Top-Up Insurance Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1.3 Cr

Individual

Reliance Specially Abled Health Insurance Plan

A cover for those who are one in a million. The Reliance Specially Abled health insurance plan caters to specially-abled individuals who need medical ...

Unique Features

Insurance for PWDs
In-patient/daycare procedures cover
Modern treatment cover

Reliance Specially Abled Health Insurance Plan (Pros)

In-patient treatment
Pre and post-hospitalisation
Cataract covered
Daycare procedure

Reliance Specially Abled Health Insurance Plan (Cons)

Investigation and evaluation
Change of gender treatments
Sterility/infertility treatment
Cosmetic/beauty/plastic surgery

Reliance Specially Abled Health Insurance Plan (Other Benefits)

Modern treatment
AYUSH treatment
Ambulance charges

Reliance Specially Abled Health Insurance Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Individual and Family Health Insurance

Health Gain Policy

Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their poli...

Unique Features

Individual and Floater Options
Lifetime Renewability
Hassle-free Claim Process

Health Gain Policy (Pros)

Consumable Cover
Unlimited Base SI Reinstatement
Room Rent Modification

Health Gain Policy (Cons)

Global coverage unavailable
Breach of law
Intentional injury
OPD not covered

Health Gain Policy (Other Benefits)

Domiciliary hospitalization
Daycare procedures covered
Air ambulance services

Health Gain Policy (Eligibility Criteria)

Entry Age: 91 days to 65 Years
SI: 5 L to 1 Cr
Initial waiting period: 30 Days
Policy term: 1/2/3 Years

Individual and Family Health Insurance

Health Infinity Plan

Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage ...

Unique Features

Pre-policy Medical Check-up
AYUSH Coverage
No Sub-limits

Health Infinity Plan (Pros)

In-patient hospitalisation
Daycare expenses
Domiciliary hospitalization
Organ donor expenses

Health Infinity Plan (Cons)

OPD cover unavailable
No global coverage
Adventure sports
Health check-up unavailable

Health Infinity Plan (Other Benefits)

Modern treatment
Organ donor cover
Co-payment option
Add-on covers applicable

Health Infinity Plan (Eligibility Criteria)

Entry Age 91 days to 65 Years
Policy Type Individual / Family Floater
SI: 3 L to 1 Cr
Initial waiting period: 30 Days

Individual and Family Health Insurance

Reliance Arogya Sanjeevani Plan

Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Reliance Arogya Sa...

Unique Features

AYUSH Benefits
Inclusions and Exclusions
Quick Claim Process

Reliance Arogya Sanjeevani Plan (Pros)

In-patient hospitalization
Daycare treatments
AYUSH treatments
Ambulance charges

Reliance Arogya Sanjeevani Plan (Cons)

OPD cover
Domiciliary hospitalization
Daily Hospital Cash
Organ Donor

Reliance Arogya Sanjeevani Plan (Other Benefits)

Modern treatment
Vaccination
Cataract
Covid-19

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Entry Age Minimum: 18 years
Entry Age Maximum: 65 Years
Policy Term 1 Year
Sum Insured: 50K to 10 Lakhs
Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Corona Kavach Plan

To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medic...

Unique Features

Covers COVID-19
Check the Eligibility
Coverage Details of the Plan

Corona Kavach Plan (Pros)

AYUSH treatment cover
Ambulance charges
COVID-19 treatment cover

Corona Kavach Plan (Cons)

OPD charges
Daycare procedures
Modern treatment
Organ donor treatment

Corona Kavach Plan (Other Benefits)

Home care treatment
In-patient hospitalization
Pre and post-hospitalization

Corona Kavach Plan (Eligibility Criteria)

Entry Age Child Age: 1 day to 25 yrs
Adult Age: 18 yrs to 65 yrs
SI- 50 K to 5 L
Waiting period - 15 days

Critical Illness Health Insurance

Reliance Critical Illness Insurance

Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. Reliance Critical Il...

Unique Features

10 Major Illnesses Covered
Choose Your SI
Avail Tax Benefits

Reliance Critical Illness Insurance (Pros)

COVID-19 cover
No-claim bonus
Cover for 10 critical illnesses

Reliance Critical Illness Insurance (Cons)

Hospitalization out of war
Congenital disease
Intentional self-injury
IVF treatment
Air ambulance

Reliance Critical Illness Insurance (Other Benefits)

Cancer of specified severity
Major organ/Bone marrow transplant
Multiple Sclerosis with persisting symptoms
Third degree burns
Aorta graft surgery

Reliance Critical Illness Insurance (Eligibility Criteria)

Minimum entry age: 18 years
Maximum entry age: 65 years
SI: 5 - 10 Lakhs
Waiting period:

Group Health Insurance

Reliance Group Mediclaim Policy

Reliance General Group Mediclaim Insurance covers your employee's health at an economical cost and lets you enjoy tax benefits too. Reliance General ...

Unique Features

Coverage for employees
3 variants available
Avail tax benefits

Reliance Group Mediclaim Policy (Pros)

Day care procedures
Regular health check-ups
Tax benefits

Reliance Group Mediclaim Policy (Cons)

Cosmetic treatment
Treatment of PEDs
HIV/AIDS treatment

Reliance Group Mediclaim Policy (Other Benefits)

Family floater clause
Extra insurance cover
Cover for all employees and their families

Reliance Group Mediclaim Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Policy type: Group medical policy
Initial waiting period: 30 days

Individual

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 and the uncer...

Unique Features

150+ surgeries cover
140+ daycare cover
Lumpsum cash benefits

Reliance Hospi-Care Policy (Pros)

150+ listed surgeries
140+ daycare procedures
Daily hospital cash

Reliance Hospi-Care Policy (Cons)

Treatment outside of India
Self-inflicted injury
Breach of law

Reliance Hospi-Care Policy (Other Benefits)

Hospitalisation due to Dengue/Malaria
Surgical payout
Affordable premiums

Reliance Hospi-Care Policy (Eligibility Criteria)

Entry age: 18 to 65 years
SI: 1 to 10 Lakhs
Initial waiting period: 90 days

Reliance Super Top-up Insurance: FAQs

1. What is Reliance Health’s super top-up policy?

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).

2. Can I buy this super top-up insurance plan for my family?

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.

3. What are the major benefits of Reliance Health super top-up insurance?

The major benefits of this plan include worldwide emergency coverage, maternity and newborn expenses, air ambulance coverage, etc.

4. Which relationships can be covered under this policy?

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.

5. What are the deductible options 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.

6. Do I need a pre-policy medical check-up to buy this policy?

Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.

Reliance Super Top-Up Insurance Plan

Reliance Super Top-Up Insurance Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Reliance Super Top-Up Insurance Plan

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Benefits of Reliance Health Super Top-Up Insurance

Discounts

Waiver of premium

Waiver of deductible

Worldwide emergency cover

Tax benefits

Exclusions of Reliance Super Top-up Insurance Plan

Permanent Exclusions

Explore other Reliance Health Insurance

Reliance Health Personal Accident (Pros)

Reliance Health Personal Accident (Cons)

Reliance Health Personal Accident (Other Benefits)

Reliance Health Personal Accident (Eligibility Criteria)

Reliance HealthWise Policy (Pros)

Reliance HealthWise Policy (Cons)

Reliance HealthWise Policy (Other Benefits)

Reliance HealthWise Policy (Eligibility Criteria)

Reliance Super Top-Up Insurance Plan (Pros)

Reliance Super Top-Up Insurance Plan (Cons)

Reliance Super Top-Up Insurance Plan (Other Benefits)

Reliance Super Top-Up Insurance Plan (Eligibility Criteria)

Reliance Specially Abled Health Insurance Plan (Pros)

Reliance Specially Abled Health Insurance Plan (Cons)

Reliance Specially Abled Health Insurance Plan (Other Benefits)

Reliance Specially Abled Health Insurance Plan (Eligibility Criteria)

Health Gain Policy (Pros)

Health Gain Policy (Cons)

Health Gain Policy (Other Benefits)

Health Gain Policy (Eligibility Criteria)

Health Infinity Plan (Pros)

Health Infinity Plan (Cons)

Health Infinity Plan (Other Benefits)

Health Infinity Plan (Eligibility Criteria)

Reliance Arogya Sanjeevani Plan (Pros)

Reliance Arogya Sanjeevani Plan (Cons)

Reliance Arogya Sanjeevani Plan (Other Benefits)

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Corona Kavach Plan (Pros)

Corona Kavach Plan (Cons)

Corona Kavach Plan (Other Benefits)

Corona Kavach Plan (Eligibility Criteria)

Reliance Critical Illness Insurance (Pros)

Reliance Critical Illness Insurance (Cons)

Reliance Critical Illness Insurance (Other Benefits)

Reliance Critical Illness Insurance (Eligibility Criteria)

Reliance Group Mediclaim Policy (Pros)

Reliance Group Mediclaim Policy (Cons)

Reliance Group Mediclaim Policy (Other Benefits)

Reliance Group Mediclaim Policy (Eligibility Criteria)

Reliance Hospi-Care Policy (Pros)

Reliance Hospi-Care Policy (Cons)

Reliance Hospi-Care Policy (Other Benefits)

Reliance Hospi-Care Policy (Eligibility Criteria)

Reliance Super Top-up Insurance: FAQs

1. What is Reliance Health’s super top-up policy?

2. Can I buy this super top-up insurance plan for my family?

3. What are the major benefits of Reliance Health super top-up insurance?

4. Which relationships can be covered under this policy?

5. What are the deductible options under the Reliance Health super top-up policy?

6. Do I need a pre-policy medical check-up to buy this policy?

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