Reliance Super Top-up Insurance

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*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

      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.

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      Reliance Super Top-up Insurance: Key Highlights

      Categories Specifications
      Sum Insured Rs 5 lakh to Rs 1.3 crore
      Policy Tenure 1 year, 2 years, 3 years
      Claim Settlement Ratio (2021-22) 99%
      Network Hospital 8600+
      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 

      Benefits of Reliance Super Top-up Insurance

      Here are some of the key features and benefits of buying a Reliance Super Top-up Insurance plan:

      Overseas Coverage

      The policy not only provides coverage for emergency hospitalization expenses, day care procedures and OPD expenses within India but also outside India.

      No Deductibles on Accidental Claims

      This cover saves the policyholder from paying any deductibles on accidental hospitalization claims. 

      No Premium on First Diagnosis of Critical Illness

      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.

      Cashless Hospitalization

      It provides a cashless hospitalization facility at more than 8600 network hospitals of the Reliance General Insurance Company across India.

      Free Health Check-up

      The policy offers free health check-up facility to the insured at empanelled service providers after every 3 consecutive claim-free years,

      Cumulative Bonus

      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.

      Girl Child Discount

      In case two or more girl children are covered under the policy, a discount of 5% on the premium is offered.

      Tax Benefits 

      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.

      What is Covered by Reliance Super Top-up Insurance?

      A Reliance Super Top-up Insurance plan covers the following:

      • In-patient Hospitalization – It covers the medical expenses incurred during hospitalization of 24 hours and more, such as doctor’s fees, room rent, surgery costs, etc.
      • Pre-hospitalization Expenses – It pays for medical expenses, such as diagnostic tests, incurred for up to 90 days before hospitalization.
      • Post-hospitalization Expenses – It covers the cost of medicines, follow-up consultations, etc. for up to 180 days after getting discharged from the hospital.
      • Day Care Treatment – It covers the cost of day care procedures that requires hospitalization of less than 24 hours.
      • Domiciliary Hospitalization – It covers the cost of necessary home treatment taken by the insured for a minimum of 3 days on the recommendation of a doctor or due to unavailability of beds in nearby hospitals.
      • Maternity Cover – It covers the medical expenses incurred during pregnancy, childbirth and pre & postnatal care for up to Rs 2 lakh. It also covers the newborn baby for any in-patient treatment for up to 90 days.
      • Organ Donor Expenses – It pays for the cost of harvesting the organ of a donor required for the treatment of the insured.
      • AYUSH Treatment – It covers the medical expenses incurred on availing treatment through Ayurveda, Homeopathy, Siddha, Unani and Yoga.
      • Road Ambulance Cover – It pays for emergency road ambulance charges for up to Rs 3500 per hospitalization.
      • Emergency Air Ambulance Cover – It covers the cost of emergency air ambulance service once in a policy year for up to Rs 2 lakh in case the sum insured is less than Rs 10 lakh. If the sum insured is Rs 10 lakh or more, coverage for up to Rs 5 lakh will be offered. 
      • Modern Treatments – It pays for the cost of 12 modern treatments taken by the insured, including oral chemotherapy, stem cell therapy and robotic surgeries. 
      • Additional Item Cover – It pays for the cost of necessary consumables that are generally not covered under a health policy.
      • Worldwide Emergency Cover – It covers the cost of in-patient hospitalization, OPD treatment and day care treatments incurred outside India for up to 45 days of overseas travel.

      Optional Cover:

      • Deductible Buy Back – With this cover, no deductible amount will be applied to the policy and the policyholder will be able to raise a claim for the sum insured + the last year’s deductible amount. However, this optional cover is available only after 4 consecutive claim-free years.

      What is Not Covered by Reliance Super Top-up Insurance?

      The following medical expenses are not covered under a Reliance Super Top-up Insurance policy:

      • Outpatient treatment taken within India
      • Plastic or cosmetic surgery, except in the case of burns, accidents or cancer
      • Obesity or weight control treatments
      • Self-injury or suicide
      • Birth control, sterility and infertility
      • Injuries or sickness due to hazardous or adventure sports
      • Change of gender treatments
      • Dietary supplements and substances

      Eligibility Criteria of Reliance Super Top-up Insurance

      Check out the eligibility criteria to buy a Reliance Super Top-up Insurance policy in the table below:

      Category Eligibility Criteria
      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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