Super Top-Up insurance, starting at ₹6/day*
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Coverage up to ₹1.3 Crores
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Up to 35% Discount*
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Worldwide Coverage*
IndusInd Health Super Top-Up
The IndusInd Health Super Top-Up (formerly, Reliance Health Super Top-Up) plan adds another layer of protection to your primary health insurance plan. It covers medical emergencies when your primary plan's sum insured (SI) is exhausted, whether it’s a personal or corporate plan.
For example, with a ₹20 lakh super top-up, if your ₹5 lakh base policy is exhausted by a ₹20 lakh medical bill, the super top-up will cover the remaining ₹15 lakhs — meaning no out-of-pocket cost for you.
Our super top-up plan is suited for anyone looking for higher medical coverage to pair with their existing health insurance plan. But you can buy this plan even without a base policy. Plus, you can use our super top plan’s coverage multiple times a year as needed when your base policy’s SI runs out.
With us, you can get global coverage, maternity benefits, premium waivers and discounts of up to 35%* on your premiums. Buy a backup for your medical emergencies and choose a new way to live smart!
Key Benefits of IndusInd Health Super Top-Up
Key Healthcare in India Insight
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.
Additionally, treatment costs of prevalent ailments such as heart-related conditions have increased from ₹2 to ₹4 lakhs to ₹3 to ₹6 lakhs in 2024.
Why 5 Crore+ Policyholders Choose Us?
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 Self-i* Ratio*
Quick claims on mobile
Premium Waiver on Renewal*
For critical illness diagnosis*
10,000+ Hospitals*
Better access to the best-quality care
No Base Policy Needed*
Skip straight to buying our policy
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. This table below highlights its key features, helping you choose the best coverage:
Sum Insured Options
Get sum insured from ₹5 lakhs to ₹1.3 Crores. 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 lakhs* 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 lakhs, and ₹5000* for policies with deductibles more than ₹10 lakhs. 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 lakhs* for policies with sum insured less than ₹10 lakhs and up to ₹5 lakhs* for policies with sum insured greater than or equal to ₹10 lakhs. 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.
Discounts Under IndusInd Health Super Top-Up
My Employer is taking care of my Health Insurance and so I do not need one
10% Online Purchase Discount
Save up to 10%* on your premium instantly if you buy our policy online, through our website or app.
My Employer is taking care of my Health Insurance and so I do not need one
10% Family Floater Discount
Get 10%* off when you add more than one family member under the same policy with shared sum insured.
My Employer is taking care of my Health Insurance and so I do not need one
5-7.5% Cross-Sell Discount
Existing customers get 5% discount for existing health and 5% discount for non-health policy (maximum up to 7.5%*).
My Employer is taking care of my Health Insurance and so I do not need one
6-11% Policy Tenure Discount
Get an additional 6%* discount for a 2-year and an 11%* discount for a 3-year policy tenure.
My Employer is taking care of my Health Insurance and so I do not need one
5% Girl Child Discount
Get 5%* off to ensure your two or more girl children are covered under a floater plan.
Disclaimer: Discounts are subject to maximum limits. Check your policy terms and conditions before purchase.
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 lakhs*.
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!
Details Needed to Buy Our Super Top-Up Plan
To purchase a Super Top-Up plan, provide basic details like your age, policy tenure and details about health condition. If opting for family coverage, include details of each member effectively. Here is detailed list of requirements:
Parameters | Details |
|---|---|
Age Limits | Adults: 18 to 65 years Dependent children: 3 months to 25 years |
Family Floater Policy Requirements | Cover up to 8 members - 2 adults & Up to 6 children |
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 lakhs to ₹1.30 crores |
Pre-Existing Diseases | Disclose any pre-existing conditions. A waiting period of 2 years will be applicable. |
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
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.
Deductibles for IndusInd Health Super Top-Up
Super Top-Up Plan works with a fixed small percentage of the claim amount. Here is a table detailing the deductible amount applicable for you based on the chosen sum insured:
Deductible | Sum Insured (in ₹) |
|---|---|
₹2 Lakhs | 5 Lakhs, 8 Lakhs, 13 Lakhs |
₹3 Lakhs | 7 Lakhs, 12 Lakhs, 22 Lakhs, 47 Lakhs |
₹4 Lakhs | 6 Lakhs, 11 Lakhs, 21 Lakhs, 46 Lakhs |
₹5 Lakhs | 5 Lakhs, 10 Lakhs, 20 Lakhs, 45 Lakhs, 95 Lakhs |
₹6 Lakhs | 9 Lakhs, 19 Lakhs, 44 Lakhs, 94 Lakhs |
₹9 Lakhs | 16 Lakhs, 41 Lakhs, 91 Lakhs |
₹10 Lakhs | 15 Lakhs, 40 Lakhs, 90 Lakhs |
₹12 Lakhs | 13 Lakhs, 38 Lakhs, 88 Lakhs |
₹15 Lakhs | 35 Lakhs, 60 Lakhs, 85 Lakhs |
₹18 Lakhs | 32 Lakhs, 57 Lakhs, 82 Lakhs |
₹20 Lakhs | 30 Lakhs, 55 Lakhs, 80 Lakhs, 130 Lakhs |
₹30 Lakhs | 45 Lakhs, 70 Lakhs, 120 Lakhs |
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: rgicl.rcarehealth@relianceada.com
Website: Make A Health Insurance Claim
Phone: 022-4890 3009 / 022-4111 2600
App: Self-i 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), RCARE, on your health card:
- Call: 022-4890 3009 (Paid).
- Submit documents to RCARE.
- RCARE 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 crores, global coverage for up to 45 days and discounts of up to 40%*. 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 lakhs, 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 lakhs for emergency transportation and comprehensive coverage, this plan will ensure you are adequately backed up against medical emergencies.
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Super Top-Up Health Insurance FAQs
What is a deductible in Super Top-up plans?
A deductible is the amount you agree to pay toward your medical bills before a super top-up plan can cover your hospital expenses. A super top-up plan takes into account your total medical costs in a year. And if the combined medical costs exceed the deductible limit, the super top-up plan starts covering your medical costs.
For example, if you have a super top-up plan with a ₹2 lakh deductible, and you have two surgeries within the same year, one costing ₹3 lakhs and the other ₹5 lakhs.
- On your first claim: You will pay ₹2 lakhs as a deductible for the first surgery, and the super top plan will cover the remaining ₹1 lakh.
- On the second claim: The super top plan will cover the entire ₹5 lakhs.
- And on consecutive claims for the rest of the year, it will continue to cover your medical costs until the sum insured is exhausted.
This means that once your deductible is paid for that policy year, the super top-up policy becomes active for subsequent claims.
Also, if you have a primary health insurance plan, you can also use that to pay the deductible amount and have your IndusInd Super Top-Up plan cover your medical costs.
Is there a cap on how many claims I may submit during my policy tenure?
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 under the super top-up plan.
How do I reduce my Super Top-Up premium amount?
You can reduce your premium amount by adopting the following tips -
- Choose a higher deductible.
- Buy your Super Top-Up health insurance policy online and check for all possible discounts to reduce the premium.
- Choose family coverage to get all members covered under the same plan at lower premiums.
- Make healthy lifestyle choices, such as quitting smoking and drinking, participating in physical activities, eating fresh food, etc.
Do I get coverage outside India?
Yes, with IndusInd Super Top-Up Health Insurance (previously known as Reliance Super Top-Up Health Insurance), you get worldwide coverage for emergency hospitalisation if you fall ill or have an accident while you’re abroad.
How many times can I renew my Super Top-Up cover?
Our super top-up plans have lifelong renewability. If you don’t want the hassle of yearly renewals, we also offer 2 and 3-year policy options.
Is it possible to file a claim under my primary health plan and Super Top-Up plan in the same policy year?
Yes, you can file a Super Top-Up claim along with your primary health policy claim in the same year without any problems. The super top-up plan coverage will come into effect when your primary health insurance plan’s sum insured is fully exhausted and your deductible is paid. After this, you can continue to file claims under the super top-up policy up to the plan’s sum insured amount.
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