Super Top-Up insurance, starting at ₹6/day*
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Coverage up to ₹1.3 crore
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Up to 35% discount
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Worldwide coverage
Super Top-Up Health Insurance
Healthcare inflation is increasing by an annual rate of 14%, which is one of the highest medical inflation rates in Asia. This makes it essential to have an additional layer of protection that continues to cover healthcare expenses even after your primary policy is exhausted. This is where the IndusInd Health Super Top-Up (formerly, Reliance Health Super Top-Up) plan comes in, providing an extra layer of protection over your primary health insurance plan. It covers medical emergencies when your primary plan's sum insured (SI) is exhausted, irrespective of whether it is a personal or corporate plan.
A super top-up health insurance plan is a policy that provides you extra medical coverage after a defined deductible is crossed. This deductible can be met using a personal or corporate base health policy or even through out-of-pocket expenses. Ideal for individuals, families and senior citizens, a super top-up plan offers high-value protection at a much lower cost compared to increasing your base sum insured.
What is a Super Top-Up Health Insurance Plan?
A super top-up health insurance plan is an additional health cover that comes into action after your medical expenses cross a fixed amount, called the deductible. It helps you get higher overall coverage at a much lower cost compared to increasing your base health insurance. In simple words, it protects you from big hospital bills once your regular policy limit is exhausted.
Key Features of IndusInd Health Super Top-Up
Our Health Super Top-Up plan is designed to offer comprehensive protection with stand-out benefits and complete financial protection against medical emergencies. Below are the key features, helping you choose the best coverage:
Sum Insured Options
Get sum insured from ₹5 lakh to ₹1.3 crore. With rising medical costs causing even insured Indians to skip treatment, having additional coverage on top of your existing plan can go a long way when you need to cover treatment for critical illness, surgeries and hospitalisation.
Comprehensive Coverage
We cover everything from your hospitalisation expenses to modern treatments like robotic surgeries and stem cell therapy. You’re also covered for AYUSH coverage if you’re more inclined towards naturopathic/ayurvedic treatments.
Global Cover
Perfect for frequent flyers! You get coverage for medical emergencies while overseas for inpatient, outpatient and day care expenses up to your sum insured. This add-on covers up to 45 days of international travel on a cumulative basis.
Premium & Deductible Waivers
If you are diagnosed with a listed critical illness* during a policy year, we will waive the year’s renewal premium. We also waive off deductible payments for hospitalisation due to injuries from an accident.
Discounts & Cumulative Bonuses
For every claim-free year, earn 10% extra SI (based on the expired SI) as a bonus up to 50%* for 5 claim-free years. You also get discounts of up to 35%* on premiums if you buy our plan online, add your family members to the policy, opt for long-term plan options and more.
Maternity and Newborn Cover
You get built-in maternity coverage of up to ₹2 lakh* for expenses related to delivery, prenatal/postnatal and newborn care (from day 1 to day 90). These costs will be covered after a waiting period of 12 months.
Free Health Check-Up
After every 3 consecutive and continuous policy years, you can get coverage for any listed medical check-ups* (check your policy documents for this). This benefit is limited to ₹3000* for policies with deductibles less than ₹10 lakh, and ₹5000* for policies with deductibles more than ₹10 lakh. It’s also only available on a cashless basis.
Ambulance Cover
Get reimbursement for road ambulance charges up to ₹3500 per hospitalisation*. We also cover emergency air ambulance up to ₹2 lakh* for policies with sum insured less than ₹10 lakh and up to ₹5 lakh* for policies with sum insured greater than or equal to ₹10 lakh. The air ambulance cover is available once per policy year.
Buy-Back Deductible Benefit
You can buy back deductibles paid if you’ve had 4 consecutive claim-free years. This means on renewal your new sum insured will be: the expiring policy’s base sum insured + the expiring policy’s deductibles that you’ve paid; and no deductibles will apply after policy renewal.
Tax Benefits
That’s right, you get tax benefits for super top plans too! Get up to a ₹1 lakh tax deduction* under Section 80D on your yearly premiums. However, do note that you need to have chosen the old tax regime to claim this tax deduction for health insurance.
Benefits of Super Top-Up Medical Insurance
In India, only 26% of healthcare spending is covered by health insurance. Roughly 90 crore people in India do not have health insurance, which results in a staggering amount of healthcare costs being borne by individuals. This is how a super top-up plan helps:
How a Super Top-Up Plan Works?
Step 1 – Select a Deductible
The deductible is the amount you agree to pay first, either from your base health insurance or from your own pocket. The super top-up starts only after this limit is crossed.
Step 2 – Choose the Sum Insured
You then choose a higher cover amount (like ₹10 or ₹20 lakh) that will apply once the deductible is exhausted.
Step 3 – Submit Documents & Buy
Share basic details and documents, choose your plan, and complete the purchase online or offline.
Step 4 – Policy Activates After Deductible
The super top-up does not pay from the first rupee. It activates only when total medical expenses in a year cross the deductible.
Step 5 – All Claims Above Deductible Are Paid
Once active, the plan pays for eligible medical expenses above the deductible, up to the chosen sum insured.
Examples to Understand Super Top-Up Health Insurance
Assume that you have a base health insurance of ₹5 lakh. You buy a super top-up plan of ₹10 lakh with a ₹5 lakh deductible. Now, if your total hospital bills in a year come to ₹8 lakh:
1. Your base health insurance pays the first ₹5 lakh.
2. The remaining ₹3 lakh is covered by the super top-up plan.
Even if the expenses are across multiple hospitalisations in the same year, the super top-up plan still covers costs once the deductible is crossed. This makes it very useful for serious or recurring medical treatments. Let’s break it down further to see how the policy works in different scenarios.
Example 1 – Single Hospitalisation
Let’s assume you have a base policy of ₹5 lakh. With a hospital bill of ₹8 lakh, you get coverage of up to ₹5 lakh (policy limit). You will have to cover the remaining amount (₹3 lakh) yourself. If you opt for a Super Top-Up plan, your base policy will cover ₹5 lakh, and the Super Top-Up can cover the remaining ₹3 lakh.
Example 2 – Multiple Hospitalisations in a Year
Imagine you face two hospitalisations in the same year.
First bill: ₹3 lakh + Second bill: ₹4 lakh = Total medical expenses: ₹7 lakh
If you have a base health insurance policy of ₹5 lakh, the first bill of ₹3 lakh is fully covered. For the second bill of ₹4 lakh, your base policy can cover only ₹2 lakh (the remaining limit), leaving ₹2 lakh payable from your pocket. However, with a Super Top-Up plan added to your base policy, any expenses beyond your base policy limit of ₹5 lakh are taken care of up to the eligible limit. So once your total expenses reach ₹7 lakh for the year, the base policy pays ₹5 lakh, and the remaining ₹2 lakh is covered by your Super Top-Up policy, thus reducing your out‑of‑pocket cost to zero.
Example 3 - With vs Without a Base Policy
Assume you have hospitalisation expenses of ₹7 lakh in a year and a Super Top-Up plan with a deductible of ₹5 lakh.
With a base health insurance policy of ₹5 lakh, you get the initial coverage for your medical bills up to the policy limit. Once these expenses cross the threshold of ₹5 lakh, your Super Top-Up plan covers the remaining ₹2 lakh. This ensures that your entire ₹7 lakh bill is covered.
However, if you only have a Super Top-Up plan without a base policy, you will need to cover the initial ₹5 lakh yourself. Once the deductible is crossed, the Super Top-Up plan will cover the remaining ₹2 lakh. This means that without a base policy, you would need sufficient savings to cover the initial medical expenses before your Super Top-Up coverage begins.
Super Top-Up vs Base Health Insurance
Feature | Base Health Insurance | Super Top-Up Health Insurance |
|---|---|---|
Primary Role | Covers all hospital bills, as per policy terms | Covers expenses after the deductible is crossed |
Cost | Higher premium for higher coverage | Lower premium for large additional cover |
Deductible | Not applicable | Mandatory deductible |
Coverage Trigger | Each hospitalisation | Cumulative medical expenses in a policy year |
Best Used For | Regular and moderate medical expenses | High-value or repeated hospitalisations |
Can Work Together? | Yes | Designed to work alongside base insurance |
Who Should Buy a Super Top-Up Plan?
Eligibility Criteria for a Super Top-Up Plan
To purchase a Super Top-Up plan, provide basic details like your age, policy tenure and details about your health condition. If opting for family coverage, include details of each member effectively. Here is a detailed list of requirements:
Parameters | Details |
|---|---|
Age Limits | Adults: 18 to 65 years
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Family Floater Policy Requirements | Covers up to 8 members - 2 adults &
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Pre-Policy Medical Check-up | 55 years & above and/or proposals with Deductible + Sum Insured amount >= 25 have to complete a pre-policy medical check-up. |
Policy Tenure Options | 1, 2 or 3 years tenure available |
Sum Insured Options | SI available between ₹5 lakh to ₹1.30 crore |
Pre-Existing Diseases | Disclose any pre-existing conditions.
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IndusInd Health Super Top-Up: Inclusions and Exclusions
What is Covered?
Hospital Expenses: Covers expenses like room rent, ICU charges, surgery, tests, doctor’s fees and medicines. Also covers pre- and post-hospitalisation, day care procedures, home care, etc.
Day 1 Coverage: We offer day 1 coverage under our Super Top Up health insurance plan for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.
Modern and AYUSH Treatments: Coverage for modern treatments like robotic surgery, stem cell procedures and immunotherapy, as well as Ayurveda, Yoga, Unani, Siddha and Homoeopathy.
Global Emergency Cover: If you face a medical emergency while travelling abroad, your treatment costs (in-patient, outpatient, or day care) will be covered for up to 45 days with a $100 deductible.
Maternity and Newborn Cover: Coverage for prenatal and postnatal expenses, delivery costs and medical care for your newborn baby (from 0–90 days), up to ₹2 lakh*.
Accident and Illness Protection: In case of an accident, we waive off the deductible. And if you're diagnosed with a listed critical illness, you get a 1-year premium waiver.
Annual Rewards: You receive a cumulative bonus of up to 50%* for every claim-free year, increasing your SI. Additionally, you get a free health check-up after 3 years.
What is Not Covered?
Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.
Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.
Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war, nuclear activity or any illegal activities are not covered.
Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans. For further support and coverage, don't hesitate to get in touch with us.
Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).
Disclaimers: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document by clicking here.
Want to know more about Health Super Top-Up?
Talk to our experts for complete guidance!
How to Choose the Best Super Top-Up Health Insurance Plan
How to Buy and Renew Online?
Buy Online
Scroll to the top of this page to buy the super top up insurance policy.
Enter your details, such as name, mobile number and PIN code on the calculator.
Agree to the terms and conditions displayed to proceed.
Click “View Prices”, explore plan options and customise your policy.
Complete payment to get your policy via email instantly.
Renew Online
Go to the calculator at the top of this page and select "Renewal".
Enter your policy number or mobile number as requested.
To complete verification, click “Send OTP” and continue.
Review and edit your existing policy if needed.
View the updated premium and pay online to renew instanty
Documents Required to Buy a Super Top-Up Plan
Identity Proof: Aadhaar card, driving licence, passport
Address Proof: Passport, utility bills, Aadhaar card
Age Proof: Aadhar card, passport
Health Proof: Medical Reports (If Required)
Health insurance starting at just ₹243 per month*!
Protect what matters with Super Top-Up!
IndusInd Health Super Top-Up gives you extra protection above your base plan, ensuring you're ready for any large medical expense.
Tax Benefits of Super Top-Up Health Insurance
Super top-up health insurance plans not only help you manage large medical expenses but also offer tax savings under Section 80D of the Income Tax Act. The tax benefit applies to the premium you pay for yourself and eligible family members, provided the policy is in your name.
The IndusInd Health Super Top-Up (previously known as Reliance Health Super Top-Up) offers additional coverage when your primary health insurance coverage runs out. This means it provides an additional safety net in cases of medical emergencies where your medical costs exceed your health insurance coverage. With us, you stay protected even when your base cover runs out – get insured today to ensure your health never takes a back seat!
AI-Assisted Claims on App*
Quick claims on mobile app
Premium Waiver on Renewal*
For critical illness diagnosis*
10,000+ Cashless Hospitals*
Better access to the best-quality care
No Base Policy Needed*
Skip straight to buying our policy
How to File a Claim Under IndusInd Health Super Top-Up?
Easy Steps to File a Claim:
Notify Us Promptly
Planned hospitalisation? Inform us at least 48 hours before admission.
Emergency? Notify us within 24 hours of hospitalisation.
How to Contact Us
Email: healthcare@indusindinsurance.com
Website: https://www.indusindinsurance.com/
Phone: 022-4890 3009 / 022-4111 2600
App: IndusInd Insurance App
Courier (for offline submission):
IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Cashless Treatment at Network Hospitals
Once you notify, IndusInd General Insurance (previously known as Reliance General Insurance) will:
- Verify your policy and send an approval letter to the hospital.
- Alert the hospital about any missing documents within 4 hours.
- Reject and notify if treatment isn’t covered.
Cashless Treatment at Authorised Non-Network Hospitals
The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team (previously known as Reliance health claims team), ICARE, on your health card:
- Call 022-4890 3009 (Paid).
- Submit documents to ICARE.
- ICARE will coordinate for cashless approval if eligible.
Reimbursement Claims (Any Hospital)
If cashless is denied, don’t worry. You can still claim via reimbursement.
- Fill and sign the claim form.
- Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment.
- We will process and pay the approved amount, usually within 30 days.
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Key Takeaways
The IndusInd Health Super Top-Up (previously known as Reliance Health Super Top-Up) is a secondary addition to your health insurance coverage, which activates after you exhaust your primary health insurance plan. It allows you to claim multiple covered expenses in a year, making it ideal for those who require constant medical care.
This plan provides a high sum insured of up to ₹1.3 crore, global coverage for up to 45 days and discounts of up to 35%. Even without an existing health policy, you can benefit from this plan once you’ve paid a certain amount out-of-pocket for medical expenses. It also provides thoughtful features such as a one-year renewal premium waiver if you are diagnosed with a listed critical illness and a deductible waiver for accidental claims.
Additionally, this plan offers maternity and newborn cover of up to ₹2 lakh, a cumulative bonus of up to 50% and a free health check-up after 3 consecutive years. With air ambulance cover of up to ₹5 lakh for emergency transportation and comprehensive coverage, this plan will ensure you are adequately backed up against medical emergencies.
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