*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Reliance Super Top-up Insurance plan provides comprehensive medical coverage to the insured in case of surplus medical expenses. This plan comes with compulsory deductibles and the coverage is provided by the Reliance General Insurance Company only if the medical expenses cross the deductible limit. The plan is available in two types and also comes with the global cover, deductible buy back rider and maternity cover.
|Sum Insured||Rs 5 lakh to Rs 1.3 crore|
|Policy Tenure||1 year, 2 years, 3 years|
|Claim Settlement Ratio (2021-22)||99%|
|Incurred Claim Ratio (2020-21)||93.96%|
|Pre-existing Diseases Waiting Period||3 years|
|Initial Waiting Period||30 days|
|Specific Diseases Waiting Period||2 years|
|Discount||5% online discount,
5% girl child discount,
Up to 11% long-term discount
Here are some of the key features and benefits of buying a Reliance Super Top-up Insurance plan:
The policy not only provides coverage for emergency hospitalization expenses, day care procedures and OPD expenses within India but also outside India.
This cover saves the policyholder from paying any deductibles on accidental hospitalization claims.
In case of the diagnosis of a critical illness for the first time, the policyholder will not have to pay an annual premium on the next renewal.
It provides a cashless hospitalization facility at more than 8600 network hospitals of the Reliance General Insurance Company across India.
The policy offers free health check-up facility to the insured at empanelled service providers after every 3 consecutive claim-free years,
The Reliance Super top-up insurance policy comes with a cumulative bonus that enhances the policy sum insured by 10% up to a maximum of 50% for every claim-free year.
In case two or more girl children are covered under the policy, a discount of 5% on the premium is offered.
The premium paid to buy or renew the Reliance Super Top-up insurance policy is eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
A Reliance Super Top-up Insurance plan covers the following:
The following medical expenses are not covered under a Reliance Super Top-up Insurance policy:
Check out the eligibility criteria to buy a Reliance Super Top-up Insurance policy in the table below:
|Minimum Entry Age||18 years|
|Maximum Entry Age||65 years|
|Coverage Type||Individual and family floater|
|No. of Relationships Covered||8 members (only 2 adults in a floater policy)|
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