Reliance Health Super Top Up

Beneficial discounts and offers

5% discount* on buying this policy online

Upto 11% discount* on buying 2/3 years policy

5% discount# on RGI health policy

5% discount# on RGI retail policy (non-health)

5% discount for girl child

Plans that we have in store for you

Plans with tenure available	Plan ​A (1 year, 2 years, 3 years)			Plan B (2 years, 3 years)
Room Category	Single Private A.C Room (Upto Deluxe Room)
Type of Deductible**	Annual Aggregate Deductible			Long Term Aggregate Deductible
Base Coverage​
Cover	Limits
Hospitalization Expenses	Up to Sum Insured, limited to the selected combination of Annual Aggregate Deductible			Up to Sum Insured, limited to the selected combination of Long term Aggregate Deductible.
Domiciliary Hospitalization	​Up to Sum Insured, subject to Annual Aggregate Deductible			Up to Sum insured, subject to Long Term Aggregate Deductible
Maternity Cover	Max up to ₹ 2 lakhs subject to Annual Aggregate Deductible			Max up to ₹ 2 lakhs subject to Long Term Aggregate Deductible
Organ Donor	Up to Sum Insured subject to Annual Aggregate Deductible			Up to Sum Insured subject to Long Term Aggregate Deductible
AYUSH Treatment	Up to Sum Insured subject to Annual Aggregate Deductible			Up to Sum Insured subject to Long Term Aggregate Deductible
Ambulance Cover	₹ 3500 per hospitalization
Emergency Air Ambulance Cover	Maximum up to ₹ 2 lakhs for policies having sum insured less than Rs 10 lakhs and ₹ 5 lakhs for policies having sum insured greater than and equal to ₹ 10 lakhs available once in each policy year
Modern Treatments	Up to Sum Insured subject to Annual Aggregate Deductible			Up to Sum Insured subject to Long Term Aggregate Deductible
Additional Item Cover Click here to view the list	Up to Sum Insured subject to Annual Aggregate Deductible			Up to Sum Insured subject to Long Term Aggregate Deductible
Personal Accident​
Waiver of Deductible for Accidental Claims	This cover waives off the General Exclusion of 'Deductible' for Accidental Hospitalization Claims
Renewal Benefits​
Waiver of Premium-On first Diagnosis of Critical Illness	This benefit automatically waives off the renewal Policy premium for one year for the next renewal in case of Diagnosis of any of the listed Critical Illness. For long term policies, the Company shall waive one-year proportionate renewal Policy premium of the next renewal. Aggregate Deductible shall not be applicable to this benefit. This benefit is provided once in the lifetime of the Insured Person
Cumulative Bonus	This renewal benefit will provide 10% of expiring Policy Year Base Sum Insured as Cumulative Bonus at the end of a claim-free Policy Year, subject to a maximum of 50% of Base Sum Insured
Health Check Up	After every 3 consecutive and continuous Policy Years, this benefit shall provide the listed medical check-up expenses. The benefit is limited to ₹ 3000 for policies with Deductible less than ₹10 lakhs, and up to ₹ 5000 for policies with Deductible greater than and equal to ₹10 lakhs. The benefit shall be available on Cashless basis only.
Deductible-Buy Back (Optional Benefit)​	At the end of four consecutive and continuous Hospitalization free Policy Years, if the Policyholder avails the option to buy back the Deductible amount then no Deductible shall apply on such renewal and the Base Sum Insured under the Policy shall be sum of expiring Policy's Base Sum Insured and expiring Policy's Deductible.
Global Cover​​
Worldwide Emergency Cover	Within the Sum Insured subject to a deduction of US $100 on each and every claim. Available for up to 45 days of international travel on cumulative basis.

Deductible and sum insured value

Policy Plans Illustration

• The policy has a Sum Insured of Rs. 3 lakhs which replenishes every year
• The Deductible of Rs. 2 lakhs, resets every year for Plan A (Annual Aggregate Deductible) and resets at the end of the Policy term (2 years) for Plan B (Long term Aggregate Deductible)
• Hence there is no difference in outcomes for plans A and B for the first year of the policy, where claim becomes payable once the expenses cross Rs. 2 lakhs in aggregate
• The policyholder in Plan B gets a higher claim payment in year 2 since the deductible is not reset. It is important to note that Sum Insured is replenished at the year-end in all cases.

Take a look at the eligibility criteria

**Individual can cover upto 8 members with 6 childrens max and family floater can cover upto 8 members of a family with maximum 2 adults ​only. Read policy wording carefully to know the details.
***Parents or Parents-in-law are allowed to be covered in a separate family floater Policy.​

Waiting period for Reliance Health Super Top Up

Take a look at the exclusions for Reliance Health Super Top Up

• 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

• Drugs or treatments
• Wellness and Rejuvenation
• Dietary Supplements & Substances
• Refractive Error
• Birth control, Sterility and Infertility
• Deductible
• External Congenital Anomaly
• Outpatient treatment
• Treatment other than Medically Necessary Treatment

• Charges other than Reasonable & Customary Charges
• Overseas treatment except for benefits provided under the Worldwide Emergency Cover
• Self-injury or suicide
• Treatment Outside Discipline
• Nuclear Attack
• War

Note- This list is indicative. For detailed understanding of general and permanent exclusions do read the prospectus / policy wordings available on our website www.reliancegeneral.co.in

Free-look period and Policy Cancellation