Reliance General Insurance Company Limited:- Terms and Conditions for Health Super Top-up

Terms and Condition & Coverages

Entry Age group: (Min & Max)

18 years to 65 years

Child age – 91 days to 25 years

Cover Details:

Policy Covers

1. Medical Expenses incurred by Policyholder in excess of Aggregate Deductible and upto the Sum Insured for:

1. In-Patient Treatment

2. Pre-Hospitalisation

3. Post Hospitalisation

4. Day Care Treatment

2. Domiciliary Hospitalisation

3. Maternity Cover

4. Organ Donor

5. AYUSH Treatment

6. Ambulance Cover

7. Modern Treatment Methods

(Note- For complete details of cover, kindly refer policy wordings provided with this quote)

Waiting period:

• 30 days Waiting Period

• 24 months Waiting Period for named ailments listed under Annexure A

• 36 months Waiting Period for Pre-Existing Diseases 

• 12 months Waiting Period for Maternity Cover – As per sub-limits

Conditions:

1. The policy will be applicable to the registered customers of Jupiter. 

2. The policy will be on named basis.

3. The policy will not cover Insured / Insured Person who is less than 18 years or more than 65 years of age (as on completed Birthday).

4. Warranted that the aggregate deductible should be equivalent or greater than the base policy.

5. Warranted that insured is a citizen of India and has a permanent place of residence in India.

6. Warranted that the proposer age shall be 18 years and above (as on completed birthday).

7. Warranted that at the time of claim the insured/insured person is an active customer with the Master Policy Holder.

8. In case of non-disclosure of Pre-existing details, the policy shall be considered be null and void.

9. All cases with Pre-existing disease needs to be referred to Underwriter for evaluation to understand the severity.

10. Warranted that this policy is only applicable for customers having existing base health policy. Details of such existing health policy needs to be provided mandatorily at the time of policy issuance.

11. Warranted that for fresh cases declaration of any Pre-existing Condition, using words / terms which mean any disease/illness which are same or similar to knockout list (As per Annexure X), will render this policy null and Void-ab-initio and the Company shall have no liability under the policy.

12. The Company’s total liability for an Individual in aggregate shall not exceed the sum insured mentioned in the policy certificate, irrespective of number of policies / Certificates he or she is covered. Given such scenario the first policy issued will be taken in to consideration.

13. In the event of any incorrect representation, the liability shall be upon the Policyholder.

In case of any claim made under the policy no premium shall be refunded on cancellation of the policy.