About HDFC ERGO My:health Medisure Super Top Up Plan
HDFC ERGO my:health Medisure Super Top Up provides extra coverage to the insured alongside the base health insurance policy. It comes in handy when the base sum insured gets exhausted and can be activated after paying a mandatory deductible. Moreover, this plan covers hospitalization expenses and day care procedures without any sub-limits.
HDFC ERGO My:health Medisure Super Top Up Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | Rs 3 lakh to Rs 20 lakh |
| Pre-policy Medical Check-up | No medical tests for up to 55 years |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 10% long-term policy discount |
or select from popular citiessSearch Optima Restore Cashless Network Hospital list
Key Benefits of HDFC ERGO My:health Medisure Super Top Up Plan
HDFC ERGO My:health Medisure Super Top Up Plan Inclusions & Exclusions
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In-patient HospitalizationIt provides coverage for the cost of hospitalization of 24 hours or more, such as doctor's fees, room rent, ICU charges, nurse fees, etc.
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Pre-hospitalization CostsIt pays for all medical costs incurred before hospitalization for a maximum of 30 days.
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Post-hospitalization CostsIt covers the healthcare expenses incurred after hospital discharge for a maximum of 60 days.
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Day Care ProceduresIt pays for the cost of day care treatments and procedures that requires less than 24 hours of hospital admission.
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Ambulance charges
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OPD treatment
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Non-medical expenses
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Alternative treatments
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Pregnancy & related complications
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Organ donor expenses
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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HDFC ERGO My:health Medisure Super Top Up Plan: FAQs
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Q1. Do I need to pay the deductible in one go to activate my HDFC ERGO Medisure Super Top Up policy?
Ans: You can pay the deductible amount in one go or through multiple claims to activate your HDFC ERGO Super Top Up policy. -
Q2. Is there any room rent limit under HDFC ERGO my:health Medisure Super Top Up?
Ans: No. The HDFC ERGO Medisure Super Top Up policy has no room rent limit. -
Q3. How can I check the premium of HDFC ERGO Medisure Super Top Up?
Ans: You can check the HDFC ERGO Super Top Up premium chart to determine the premium payable to buy the policy.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
HDFC ERGO offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of HDFC ERGO
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to HDFC ERGO for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the HDFC ERGO policy
- The network hospital will send the hospital bill to HDFC ERGO.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
