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A backup for your medical emergencies
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We at Reliance General Insurance offer a wide range of health insurance policies, and the Super Top-Up policy by Reliance is designed to give you a safety net for your safety net. Some emergencies require extra attention and treatments, resulting in bigger medical bills that your primary health plan might not cover. In such situations, opting for our Reliance Health Super Top-Up Insurance policy will protect your financial and mental well-being.
Super Top-Up medical insurance is a type of health insurance policy that offers additional financial coverage as a backup to your existing health insurance.It acts as a financial safety net, helping you manage your medical expenses beyond the coverage amount offered under your current health plan. With Super Top-Up health insurance plans, you can avoid any coverage gaps between your claim amount and medical bills.So, in case your treatment and hospital bills exceed the primary health insurance plan coverage, you can opt for additional financial assistance with our Super Top-Up policy.
As people age, the types and numbers of health risks increase. Thus, it is highly recommended that they choose Super Top-Up plans for senior citizens to help them with the additional financial coverage required for medical emergencies.
Critical illness treatments are expensive since they need specialised care and equipment. The best Super Top-Up health insurance plans offer long-term, extensive financial support to help you manage critical treatment expenses along with any ongoing care costs.
Most group policies for employees offer limited financial coverage. This may not be suitable for all employees, and thus, Super Top-Up health insurance plans offer additional financial protection at affordable rates. Moreover, you can also transfer your Super Top-Up plan if you retire or change your job.
The main difference between top-up and super top-up insurance lies in how coverage is offered. So, people who want to be prepared for unexpected medical emergencies can benefit from a Super Top-Up health plan. It is a more cost-effective option than buying an additional sum insured for their primary health plan.
Based on an individual’s coverage requirements and specific medical conditions, the choice of the sum insured can vary. For a higher sum insured value, the premium will be higher, and vice versa. Thus, you must carefully assess your needs when choosing the sum insured for your plan.
You can opt for a Super Top-Up plan with a policy tenure of 1 year, 2 years or 3 years. Depending on the duration of your policy tenure, the premium for a Super Top-Up plan can vary. For instance, choosing to cover all family members under the same plan may be more affordable than buying individual Super Top-Up plans with higher cumulative premiums.
A deductible is a fixed amount that you must pay upfront for any medical treatment before your Super Top-Up coverage kicks in. The higher the deductible, the higher the premium, and vice versa.
Your age has a direct impact on your Super Top-Up health insurance premium. Younger people have a lower risk of health complications, resulting in lower premiums. On the other hand, older people have higher health risks, resulting in higher premiums.
People with pre-existing conditions and illnesses require more extensive medical treatments than healthy individuals. Thus, the premium for a Super Top-Up plan may be higher if you have a pre-existing condition to help you get the required treatment without any hassle.
The kind of lifestyle you follow also impacts your health and well-being. For instance, regular smoking and alcohol consumption increases the risk of critical health conditions. Thus, for a regular smoker, the Super Top-Up premium will be higher than that of a non-smoker.
With Super Top-Up plans for senior citizens, you get a financial backup for medical emergencies. No matter how much coverage you have under a primary health plan, this extended coverage will ensure your savings and health are in sync in times of need.
As opposed to primary health plans with limited sum insured options or variations, Super Top-Up for senior citizens offers a wide range of sum insured options to suit everyone. Based on your medical condition and coverage needs, you can choose a sum insured option without any hassle.
Buying multiple health plans or increasing your senior citizen health plan’s coverage can be expensive. However, a Super Top-Up policy for senior citizens is a cost-effective solution to get more financial coverage at affordable rates. Moreover, with Reliance General, you can also avail of discounts of up to 35%* on premiums.
A deductible is an amount you or a policyholder must pay from your out-of-pocket expenses toward the medical bill. You need to pay the deductible amount before your Super Top-Up health insurance claim money steps in to cover your expenses.Understanding the deductibles in Super Top-Up insurance is necessary, as it will allow you to plan your finances better to pay the compulsory upfront expenses.The Super Top-Up medical insurance deductible is a fixed amount decided based on your sum insured. You must pay this fixed amount first to activate your Super Top-Up policy for financial coverage.
Reliance Super Top-Up health insurance acts as a backup to your existing health insurance policy. So, if you exhaust your existing health plan’s sum insured, the top-up policy will act as a safety net, saving you from paying exorbitant hospital bills.
A deductible is the amount you agree to pay toward your medical bills before a top-up plan like Reliance Super Top-Up can cover your hospital expenses.
Any disease, illness, or injury that was identified within 36 months of the starting date of your policy is considered a pre-existing condition. Examples include high blood pressure and diabetes.
You may need to pay for some medical services before or after being admitted to the hospital. These could be diagnostic tests, follow-up medical appointments or post-surgery recovery. These costs are referred to as pre- and post-hospitalisation fees.
Generally, your health insurance policy will be valid for a full year after its commencement date. If you would like your coverage to last longer, you can get two—or three-year insurance.
No, if you add your family members under our family floater plans, you only need to pay a single premium to cover everyone.
You can pay your insurance premium using a credit card, debit card, UPI, net banking, or an EMI.
Reliance General, with over 3 crore+ happy customers and a 100% claim settlement ratio, is one of the top insurance providers in India. We offer 24/7 customer support to all our customers. Moreover, our online website and a dedicated mobile application called Reliance Self-i ensure maximum convenience for all policy-related needs.
The online process to buy a Super Top-Up health plan is approximately 2 minutes. However, you must keep all your information ready and fill out accurate details to enjoy a smooth and hassle-free experience.
Yes, you can easily transfer your existing policy at the time of renewal by following these simple steps -
With Reliance Super Top-Up, you enjoy several benefits, like discounts up to 35%*, a high Sum Insured up to ₹1.3 Cr. , which covers your medical expenses, and various add-ons like Maternity Cover, Ambulance Cover and more to give you enhanced protection.
The discounts available are 5% Online Discount, 5% Health Discount (if you have an existing health policy with us), 5% Girl Child Discount and more. You can avail up to 35%* discount with Reliance Super Top-Up.
Reliance Super Top covers several medical expenses, including Inpatient Care (ICU costs, Nursing, related diagnostic tests, Practitioner’s fees), pre- and Post-Hospitalisation fees, Modern Treatments (Stem Cell therapy, Robotic Surgeries), Road Ambulance costs and more.
Yes, several beneficial add-ons are available under Reliance Health Super Top-Up, including Maternity Cover, Ambulance Cover, a Cumulative Bonus, Health Check-ups and more.
Yes, your health policy begins covering you from the day you purchase it. However, you have a 30-day waiting period for the treatment of any sickness or injury that leads to hospitalisation except those arising out of an accident.
Yes, you will get an 11% discount if you buy a 3-year policy and a 6% discount if you buy a 2-year policy.
No, there is no cap on the number of claims you can make in a year as long as you don’t exhaust your coverage amount or sum insured.
No, you do not need a pre-medical check-up to buy a top-up health insurance plan. Only applicants above the age of 45 are required to do a pre-medical check-up
Yes, you can easily cancel your Super Top-Up health insurance policy by submitting a letter to us clearly stating the reasons for cancellation. This should be submitted as soon as possible or within 15 days of the policy purchase.
Along with the letter, you must submit proof of payment for the first premium from the time of purchase, a cancelled cheque and any other document required by the insurer.
For the premium, you may get a refund if you cancel within the first 15 days of the policy purchase. However, the amount of the refund will depend on deductions such as claims made and other expenses.
You can make the premium payment online using your debit or credit card, UPI account, net banking or any other digital payment method available on our website. For any support, reach out to our customer service for prompt assistance.
You can reduce your premium amount by adopting the following tips -
Yes, with Reliance Super Top-Up, you get worldwide coverage for emergency hospitalisation if you fall ill or have an accident while you’re abroad.
Yes, Reliance Super Top-Up covers all your family members' medical expenses if you add them to the family floater plan.
Yes, maternity expenses are covered (within the defined limits) under Reliance Super Top-Up but only if you opt for the Maternity Cover add-on in your policy.
You can choose any type of hospital room under Reliance Super Top-Up since there is no limit on the room rent.
No, cosmetic procedure costs are commonly excluded from all health insurance policies, including a Super Top-Up plan. In addition, any treatment or procedure for beauty enhancement is a standard exclusion for most plans.
Yes, you must be at least 18 years of age to buy a Super Top-Up health plan. The upper limit for this range is 65 years, ensuring senior citizens are covered during medical emergencies.
Our plans with the convenience of lifelong renewability to ensure you are well-protected throughout your medical emergencies, no matter when they come up. Moreover, to reduce annual renewals, you can opt for a 2- or 3-year policy tenure.
Yes, you can claim cashless services until you exhaust your policy coverage amount.
With the introduction of the Cashless Everywhere scheme, you, as a policyholder, can now get cashless services at any hospital in India. So, you can still submit a cashless claim if you receive care at a non-network hospital.
Yes, you can file a cashless claim with a Super Top-Up plan without any hassle. You must ensure that you update the insurer on time and fill out the correct information on the claim form. Moreover, before filing a claim, check for policy terms and exclusions to avoid claim rejections.
The key difference between a cashless and a reimbursement claim is upfront expenses. For a reimbursement claim, you must pay the medical bills first and then get the claim settlement.
However, no upfront payments (other than deductibles) are required for a cashless claim. The insurer directly settles your medical bills with the hospital.
You need a valid proof of age, proof of identity, proof of address, medical reports, discharge summary, payment receipts, medicine bills, claim form, etc., for a reimbursement claim.
You can track your health claim online from our website in just a few clicks. Visit our Health Claim Tracking Page, add your details and select “Track Now” to get the necessary information.
Yes, you can file a Super Top-Up claim along with your primary health policy claim in the same year without any hassle.
12 December 2019, Kerala
13 February 2020, Hyderabad
5 February 2020, Vijayawada
14 January 2019, Bengaluru
08 June 2022, Haryana
29 March 2022, Karnataka
14 April 2022, Delhi
Disclaimers:*T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021. Discount: Maximum discount applicable per policy is 35%. | Entry Age: Individual can cover upto 8 members with 6 children 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. | Tax benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details. | Policy Type: Parents or Parents-in-law are allowed to be covered in a separate family floater Policy. | ^Get a maximum discount of up to 7.5% if you have both health and non-health policy with us.
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