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Super Top-Up Health Insurance

Name: IndusInd Health Super Top-Up
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

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:

With up to ₹1.3 crore SI, it extends coverage beyond your primary insurance for critical illnesses, surgeries, hospitalisation and more.

If you are diagnosed with a listed critical illness* during a policy year, we will waive a year’s renewal premium one time.

We offer maternity cover up to ₹2 lakh* for the mother and the baby (from day 1 to 90 days) - subject to annual aggregate deductible*.

For a medical emergency overseas, receive coverage for up to 45 days for inpatient, outpatient and day care expenses, based on your SI.

During a claim for accidental injuries, we will waive the general deductible from the final claim amount for a stress-free recovery.

With us, you get discounts on your premiums of up to 35%* for buying online, adding your family, opt for long-term plans and more.

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?

If your existing health insurance is ₹2–5 lakh, it may not be enough during major treatments.
A super top-up adds more safety once your base cover is exhausted.

Medical needs can be unpredictable, especially for kids and senior parents.
A super top-up helps manage multiple hospital bills in a year after the deductible is crossed.

Buying a high base policy can be expensive at an older age.
Super top-ups offer extensive coverage at a much lower cost, making them budget-friendly.

Employer health insurance often has caps and may end if you change jobs.
A super top-up ensures continued protection beyond your corporate policy limits.

Frequent treatments or hospital visits can quickly exhaust your base insurance.
A super top-up supports repeated claims in the same year after the deductible is met.

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 Dependent children: 3 months to 25 years
Family Floater Policy Requirements	Covers 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 lakh to ₹1.30 crore
Pre-Existing Diseases	Disclose any pre-existing conditions. A waiting period of 2 years will be applicable.

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!

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How to Choose the Best Super Top-Up Health Insurance Plan

The deductible is the amount you must pay (or that your base policy must cover) before the super top-up plan starts paying. Choose a deductible that matches your existing health insurance cover or what you can comfortably afford. For example, if your base health policy covers ₹5 lakh, selecting a ₹5 lakh deductible usually makes the most sense and keeps premiums affordable.

A wide network of cashless hospitals makes claims smoother and stress-free during emergencies. Before buying, check whether good hospitals near your home or workplace are covered. This ensures you don’t have to worry about arranging funds or running around for reimbursements when hospitalisation is required.

Most super top-up plans have waiting periods for pre-existing diseases and certain treatments. Go through these carefully, especially if you or a family member already has a medical condition. Shorter waiting periods can make the plan more useful sooner, even if the premium is slightly higher.

Some super top-up plans allow add-ons such as room rent flexibility, OPD benefits or reduced waiting periods. While these are optional, they can improve overall coverage if they match your needs. Avoid unnecessary add-ons and focus only on those that add real value to your situation.

Unlike regular top-up plans, super top-ups consider total medical expenses in a policy year. This is especially useful if you expect multiple hospitalisations. Make sure the plan clearly mentions annual aggregate coverage so you’re protected across several claims in the same year.

Finally, don’t choose a plan based on premium alone. Compare how much extra coverage you’re getting for the price you pay. A slightly higher premium is often worth it if the plan offers higher coverage, better hospital access, and fewer restrictions.

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 instantly.

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 ₹382 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.

View Plan

Factors Affecting the Super Top-Up Premium

Age of the Insured

Premiums generally increase with age, as the likelihood of medical claims tends to be higher for older individuals. Younger policyholders usually pay lower premiums for the same coverage.

Deductible Selected

The deductible is the amount you pay before the super top-up cover starts. A higher deductible lowers your premium, while a lower deductible increases it. Choosing the right balance is key.

Sum Insured Chosen

Higher sum insured means more coverage for large medical expenses, but it also results in a higher premium. Select a sum insured based on potential hospital costs in your city.

Number of People Covered

Covering more family members under a single super top-up plan increases the premium, but it is often more cost-effective than buying separate policies for each person.

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.

If you buy a super top-up health insurance plan for yourself, your spouse or dependent children, the premium paid is eligible for a tax deduction of up to ₹25,000 per financial year. This benefit is available even if you already have a base health insurance policy, as long as the super top-up is a valid health plan.

When the super top-up policy covers senior citizens (aged 60 years and above), the maximum deduction limit increases to ₹50,000 per year. This makes super top-up plans a cost-effective way for seniors to enhance coverage while also reducing taxable income.

If you pay the premium for your parents’ super top-up health insurance, you can claim an additional deduction of up to ₹25,000 or ₹50,000 if your parents are senior citizens. This deduction is over and above the limit claimed for yourself and your immediate family.

Why Choose Us?

Why 8 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!

Health Super Top-Up

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://transact.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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Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

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West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

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New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

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Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

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Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

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Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

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Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

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Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Visakhapatnam

Quick policy issuance

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Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

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Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

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Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

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Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

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Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

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Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

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Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

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Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

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Uttara Kannada

Quick policy issuance

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N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

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Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

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Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

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Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

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Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

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Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

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Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

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Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

Author - Amount Health Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Frequently Asked Questions (FAQs)

Will pre-existing diseases be covered?

Pre-existing diseases are usually covered after a waiting period, which varies by policy. Always check the waiting period mentioned in the policy document.

What is the waiting period?

The waiting period is the time you must wait before certain conditions, such as pre-existing illnesses or specific treatments, are covered. This typically ranges from 1 to 4 years, depending on the policy.

Can I buy a super top-up without a base policy?

Yes, you can buy it without a base policy. However, you will need to pay expenses up to the deductible amount yourself before the super top-up cover starts.

Is maternity covered in super top-up plans?

Yes, we offer maternity benefits of up to ₹2 lakhs* for the mother and the baby with a waiting period.

What is a super top-up plan?

A super top-up health insurance plan provides extra coverage over and above a chosen deductible amount. Once your medical expenses cross this deductible in a policy year, the super top-up policy starts paying for eligible hospitalisation costs, helping you manage large medical bills at a lower premium.

How does a super top-up plan work?

You first pay medical expenses up to the deductible limit, either from your own pocket or a base health insurance policy. After this limit is crossed, the super top up plan covers further expenses within the sum insured, even across multiple hospitalisations in the same year.

What is the difference between top up and a super top-up?

A top-up policy considers each hospitalisation separately against the deductible. A super top-up looks at the total medical expenses in a policy year, making it more useful if you have multiple claims in one year.

Who should buy super top-up health insurance?

It is ideal for people with low base health cover, families with elderly members, senior citizens or anyone looking to increase their overall health coverage without paying very high premiums.

What deductible should I choose?

A good rule is to match the deductible with your existing base health insurance sum insured. This ensures there are no gaps in coverage when claims arise.