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<SCRIPT LANGUAGE="JavaScript">
<!--
if (top == self) self.location.href = "index.html";
// -->
</SCRIPT>
Thanks in advance
I have several well ranked frame pages that use similar javascript, so my experience says you should be fine. It's a very legitimate form of redirection, just like browsers sniffing, so the search engines should have no problems.
I suggest having the script in an external .js file, for lots of reasons. Keeps your page cleaner, and so far, no Search Engines do any widespread inspection of js files, so it's a second level of safety.
A spokesman for Google said last week that they "reserve the right to parse your javascript", but they aren't doing so at present.