Health Super Top Up in one table
| Insurer | IndusInd General Insurance Company Limited |
|---|---|
| Sum insured | From ₹3 lakh, payable above the annual aggregate deductible chosen at purchase. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Health Super Top Up covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from IndusInd General's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Pre-existing disease wait | 12 months of continuous cover | 36 months is the market norm |
| Waiver of deductible | Available after four consecutive and continuous years of cover, as Benefit 10 of the policy | Fewer years than most waivers require |
| How the deductible works | Annual aggregate. Every claim in the policy year counts towards the same deductible rather than each facing it separately. | Aggregate is better than per-claim |
| Cover above the deductible | From ₹3 lakh | ₹50 lakh or more for a metro family |
Health Super Top Up waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Pre-existing disease | 12 months of continuous cover |
|---|---|
| Specified diseases and procedures | 24 months of continuous cover |
Health Super Top Up exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Health Super Top Up falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Health Super Top Up questions, answered
Is this Reliance or IndusInd?
The same company. Reliance General Insurance now trades as IndusInd General Insurance. The product documents and UIN still carry the Reliance name, which is normal after a rebrand, but the entity behind the policy is IndusInd General.
Why does the 12-month pre-existing wait matter?
Most top-ups make you wait 36 months before a pre-existing condition is covered. This one waits 12. If you are buying because of a condition you already have, that is two years of exposure removed.
Do I need an existing policy to buy this?
In practice, yes. It only pays above the deductible you choose, so every claim below that figure is yours. It is designed to sit on top of a retail policy or an employer's cover.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other IndusInd General plans we have read
IndusInd General files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.