Reliance Health Insurance Top-up & Super Top-up Plans

The cost of medical treatments is rapidly increasing due to the steep rise in inflation in the health sector. Basic healthcare treatment in a private hospital costs high and it can potentially burn a hole in the patient's pocket. Therefore, to provide the people with some financial backup, the health insurance providers have rolled out health insurance plans with affordable premium rates and comprehensive features. These health insurance plans come with a wide range of benefits and it compensates for expenses like ambulance charges, room rents, medications, intensive care, etc. These plans are available in various types, to provide the customers with an ample amount of options to choose from. However, sometimes the base health insurance plans can be insufficient to meet the demands of the policyholders and for that purpose, the insurers have launched additional health insurance covers like super top-up plans and top-up plans which come into action as soon as the medical dues of the customers reach the deductible limit.

Reliance health insurance company offers a cost-effective super top-up plan with extensive coverage. Their super top-up plan provides financial aid to the customers for paying the medical bills, hospitalization expenses, medication costs, etc. this super top-up plan can be either bought as an additional plan to enhance the coverage of your base plan or you can buy it separately without having a regular health insurance policy.

About Reliance Health Super Top Up Plan

This super top-up plan by Reliance health insurance provides wide coverage to individuals at an affordable premium rate. It compensates for the medical expenses of the policyholders after the dues have reached the threshold limit of the base plan which is decided by the policyholder. Depending on the deductible limit, the sum assured under the plan differs. You can analyze your requirements and then based on your financial budget, you can invest in a suitable variant of the Reliance super top-up health insurance plan. Let us look at some of the key features of Reliance health insurance and their super top-up plan:

• The insurer has a wide network of linked hospitals which ensures cashless claim benefits to the customers.
• Customers can get a lifelong renewability option under this plan based on which they can continue to avail the benefits of their purchased policy without any maximum age limit.
• The plan includes COVID-19 coverage for the policyholders and the claim amount ranges from Rs. 5 Lakhs to Rs. 1 Crore.
• Worldwide emergency cover is also provided to the policyholders under this super top-up plan.

Key Benefits of Reliance Health Super Top Up Plan

Following are some of the prominent benefits of Reliance health super top-up plan which can be availed by the customers at the time of claim settlement process:

• Under this plan, the customers can get beneficial discounts and rewards.
• It covers hospitalization expenses like pre and post hospitalization, domiciliary expenses, inpatient costs, maternity covers, organ donor expenses, etc.
• The insurer also compensates for different types of treatments like modern treatments, Ayush treatments, and much more.
• For every claim-free year in a policy tenure, the policyholders are provided with no claim bonuses and cumulative bonuses.
• After a certain period of time under the policy tenure, it also offers complimentary healthcare checkups to the customers.

Who Can Buy This Plan?

Any individual of the age 18 to 65 years is eligible to purchase the super top-up health insurance by Reliance Health insurance. It can be bought on both individual and family floater basis. No pre-medical health care checkups are required for people below the age of 55 years.

Waiting Period Under The Plan

The usual waiting period for the Reliance health super top-up plan is of around 30 days. While for a specific illness this plan has a waiting period of 2 years and around 3 years for pre-existing diseases. Maternity coverage has a waiting period of 12 months from the date of the start of the policy.

Renewability of The plan

The super top up plan by Reliance health insurance firm comes with the lifelong renewability services option under which the policyholders can renew their policies for their entire life with no restrictions on the maximum age.

Exclusions Under The Plan

Let us look at some of the common exclusions under the Reliance Super top up health insurance plan:

• Expenses incurred due to change of gender treatments.
• Cosmetic surgeries are also not compensated for under this plan.
• Birth control, infertility, and sterility treatments are not covered under this plan.
• Injuries due to war, self-harm, drugs, etc. are also off-limits from this super top-up plan.

For more details regarding the Reliance health super top up plan you can visit their nearby office or research about it online. You must carefully read the policy terms during the free look period of the policy to make sure that your requirements have been met by the insurer.