Overview
Reliance Super Top-Up is a flexible and affordable health insurance plan designed to enhance coverage beyond the limits of a base policy. With sum insured options ranging from ₹5 lakhs to ₹1.3 crores and deductible ranges from ₹2 lakhs to ₹30 lakhs, it provides financial security for large medical expenses. The plan includes features like maternity coverage up to ₹2 lakhs, worldwide emergency cover, air ambulance benefits, and modern treatment coverage up to SI.
Experts Review
Written by Nikhil Nair
Senior Writer
The Reliance Super Top-Up plan extends health insurance coverage at an affordable premium. Its standout feature is the high sum insured range, which can go up to ₹1.3 crores, making it suitable for covering substantial medical costs. The plan’s flexibility with deductible options allows policyholders to customize their coverage based on existing health insurance or out-of-pocket affordability.
Key benefits include maternity coverage (₹2 lakhs) with a short waiting period of 1 year, worldwide emergency cover, and air ambulance services (up to ₹5 lakhs). Additionally, advanced treatments like robotic surgeries and stem cell therapy are covered without sub-limits, ensuring comprehensive protection during critical medical procedures. The plan also offers a deductible buyback rider, allowing policyholders to reduce their financial burden in case of hospitalization.
However, the plan has some limitations. Furthermore, being a super top-up plan, coverage only kicks in after crossing the deductible limit, making it less suitable for frequent smaller claims.
Pros
Feature set is satisfactory.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
No Restoration Benefit, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.
Reliance
Key Insights
Founded
2000
Reliance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
87% claims settled in 30 Days
Reliance settles 87% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
10,000+
Reliance maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
4 complaints per 10,000 claims registered
Reliance maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Maternity
STANDOUT
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹2,00,000 and make you wait 1 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 years.
Long Term Aggregate Deductible
A claim must exceed the Aggregate Deductible specified in the policy schedule during the specified policy tenure (2 years or 3 years) in order for it to become payable under the terms of the policy.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Sinusitis
Rhinitis
Tonsillitis
Adenoidectomy
Mastoidectomy
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
2 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 2 years for all diseases.
What's missing in the policy
No Restoration Benefit.
Doctor consultations are not covered.
Customer Reviews
K
Kalpana Chawla
Great way to get high coverage without paying a bomb for the base plan. Very affordable!
L
Lakshmipathy Balaji
Customizable features make it quite flexible. I could choose what I needed.
M
Madhuri Dixit
Extensive financial protection against major medical bills. Peace of mind for big emergencies.
T
Tendulkar Sachin
Need to understand the claim process for top-up plans, it might be different from base plans.
R
Rahul Dravid
You need to have a base plan, this won't work standalone for everything.
P
Priyanka Gandhi
Helps in keeping premiums affordable while ensuring I am covered for large expenses.
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Frequently Asked Questions
Does Reliance Super Top-Up have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 1-year waiting period before you can make claims related to pregnancy and childbirth.
Does Reliance Super Top-Up have room rent restrictions?
Does Reliance Super Top-Up offer a restoration benefit?
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