How is a super top-up different from a regular top-up?

A super top-up covers total yearly medical expenses beyond the deductible, while a regular top-up applies the deductible on every claim, making super top-ups better for multiple hospitalisations.

Are pre-existing diseases covered?

Yes, pre-existing conditions are covered after completing the required waiting period, ensuring long-term protection once policy guidelines related to PEDs are met.

Are modern and advanced treatments covered?

Yes, many modern and advanced medical treatments are covered under policy terms, ensuring access to updated healthcare technologies when required.

Is a base health insurance policy necessary?

Yes, the plan works only after your base policy or chosen deductible is exhausted, offering extended financial protection for high or repeated medical expenses.

What is the maximum sum insured available?

Reliance offers high coverage options up to several crores, allowing you to select a sum insured based on rising medical costs and personal healthcare needs.

What expenses are excluded from the plan?

Excluded costs include cosmetic treatments, self-inflicted injuries, non-medical expenses, substance abuse-related treatments, and experimental procedures not recognized under standard medical guidelines.

What is the Reliance Super Top-Up Health Insurance Plan?

It’s a high-coverage plan that activates after your deductible or base sum insured is exhausted, helping manage large medical expenses without increasing the premium of your regular health insurance.

Can I insure my entire family under this plan?

Yes, the family floater option allows coverage for your spouse, children, and dependents under one policy with shared high sum insured benefits.

How does cashless claim approval work?

The hospital sends a pre-authorisation request, Reliance verifies documents, and approvals are granted quickly if details match policy criteria, reducing delays during treatment.

Do I need a medical test to buy this plan?

Many applicants can purchase the plan without medical tests, depending on age and health declarations, making the issuance process quicker and more convenient.

Are cashless treatments available under this plan?

Yes, cashless treatment is available at Reliance’s network hospitals, allowing you to receive medical care without upfront payments and ensuring a smooth hospitalisation experience.

What is a deductible in this plan?

A deductible is the fixed amount you must pay or use from your base policy before the Reliance Super Top-Up starts covering additional medical costs for the year.

Who is eligible to buy this plan?

Adults aged 18–65 can buy it, and children can be added under a family floater, making the plan suitable for both individuals and families.

What does the plan cover?

It includes hospitalisation, ICU, surgeries, doctor fees, daycare treatments, organ donor costs, ambulance services, and select modern treatments, ensuring comprehensive protection from major medical expenses.

Do I get tax benefits with this plan?

Yes, premiums paid qualify for tax deductions under Section 80D, helping you save tax while securing higher medical coverage for your family.

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Reliance Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up is smart because it gives you high additional coverage at a much lower premium than a regular health insurance plan.

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11200+

ˇCashless Network

99.57%

Claim Settlement Ratio

24x7

Claim Assistance

5 Crore+

Happy Customers

Our Verdict

Our Verdict on Reliance Super Top-up Health Insurance

Pros

Wide cashless treatment support through Reliance’s network hospitals.

Flexible deductible and sum-insured combinations to fit different budgets.

High sum insured options up to ₹1.3 crore, ideal for rising medical costs.

Comprehensive coverage for hospitalisation, daycare, pre/post-hospitalisation, donor expenses, and modern treatments.

Cons

Not suited as a standalone plan without a primary base cover.

Waiting periods apply for pre-existing and listed illnesses.

Some features or add-ons come with conditions or plan variants.

Deductibles must be paid first, so a strong base policy is important.

Pros

Wide cashless treatment support through Reliance’s network hospitals.

Flexible deductible and sum-insured combinations to fit different budgets.

High sum insured options up to ₹1.3 crore, ideal for rising medical costs.

Comprehensive coverage for hospitalisation, daycare, pre/post-hospitalisation, donor expenses, and modern treatments.

Cons

Not suited as a standalone plan without a primary base cover.

Waiting periods apply for pre-existing and listed illnesses.

Some features or add-ons come with conditions or plan variants.

Deductibles must be paid first, so a strong base policy is important.

Final Verdict

Reliance Super Top-Up Health Insurance is a reliable and budget-friendly option for boosting your overall coverage without significantly increasing your premium. It works best alongside an existing base health policy, allowing the super top-up to handle major or repeated hospital expenses once the deductible is crossed. With high sum-insured options,...

Reliance Super Top-Up Health Insurance is a reliable and budget-friendly option for boosting your overall coverage without significantly increasing your premium. It works best alongside an existing base health policy, allowing the super top-up to...

Reliance Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top Up

Factors to Consider While Buying Reliance Super Top Up Mediclaim Policy

Assess Your Existing Coverage

Check whether your current health insurance is adequate for rising medical costs. A Super Top-Up is useful when your base sum insured may fall short for major treatments.

Choose an Appropriate Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles lower the premium but increase your out-of-pocket responsibility before coverage begins.

Evaluate Family Size

For multiple members, a family floater plan is cost-effective and provides shared protection under one policy.

Understand Your Health Needs

Pick a plan that suits your medical requirements, especially if anyone has ongoing illnesses or higher health risks.

Check Premium Affordability

Ensure the premium fits your budget while still offering strong and sufficient coverage.

Assess Your Existing Coverage

Check whether your current health insurance is adequate for rising medical costs. A Super Top-Up is useful when your base sum insured may fall short for major treatments.

Choose an Appropriate Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles lower the premium but increase your out-of-pocket responsibility before coverage begins.

Evaluate Family Size

For multiple members, a family floater plan is cost-effective and provides shared protection under one policy.

Understand Your Health Needs

Pick a plan that suits your medical requirements, especially if anyone has ongoing illnesses or higher health risks.

Check Premium Affordability

Ensure the premium fits your budget while still offering strong and sufficient coverage.

Super Top Up

Inclusions & Exclusions of Reliance Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of Reliance health insurance super top up:

Inclusions

Domiciliary/home-care treatment under specific plans.

AYUSH treatments at recognised hospitals.

Modern treatments like robotic or advanced surgeries (eligible plans).

Organ donor expenses (if included).

Pre- and post-hospitalisation expenses as per policy.

Day-care procedures not needing 24-hour stay.

In-patient hospitalisation: room, nursing, ICU, surgeon and doctor fees.

Exclusions

Injuries due to war, nuclear events, or hazardous/adventure activities.

HIV/AIDS, STDs, and congenital conditions (unless covered).

Spectacles, contact lenses, hearing aids, and similar devices.

Cosmetic/aesthetic procedures and vaccinations.

Illnesses within the first 30 days (except accidents).

Pre-existing diseases during the waiting period.

Inclusions

Domiciliary/home-care treatment under specific plans.

AYUSH treatments at recognised hospitals.

Modern treatments like robotic or advanced surgeries (eligible plans).

Organ donor expenses (if included).

Pre- and post-hospitalisation expenses as per policy.

Day-care procedures not needing 24-hour stay.

In-patient hospitalisation: room, nursing, ICU, surgeon and doctor fees.

Exclusions

Injuries due to war, nuclear events, or hazardous/adventure activities.

HIV/AIDS, STDs, and congenital conditions (unless covered).

Spectacles, contact lenses, hearing aids, and similar devices.

Cosmetic/aesthetic procedures and vaccinations.

Illnesses within the first 30 days (except accidents).

Pre-existing diseases during the waiting period.

Reliance Super Top-up Health Insurance Plan

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Super Top-up

Claim Process for Reliance Super Top-up Health Insurance Policy

1-5 of 6 Process

Super Top-Up

How to Renew Reliance Super Top-Up Health Insurance Premium

Super Top-Up

How to Buy Reliance Super Top-Up Health Insurance Plans

1-5 of 7 Steps

Super Top Up

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FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.