HDFC ERGO My:health Medisure Super Top Up Plan

(3 Reviews)
Insurer Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      HDFC ERGO My:health Medisure Super Top Up Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 3 lakh to Rs 20 lakh
      Deductible Rs 2 lakh to Rs 5 lakh
      Policy Tenure 1 year, 2 years, 3 years
      Incurred Claim Ratio (2021-22) 97.47%
      Pre-Policy Medical Check-ups No medical tests for up to 55 years
      Pre-existing Diseases Waiting Period 3 years
      Specific Diseases Waiting Period 2 years
      Initial Waiting Period 30 days
      Discount Up to 10% long-term policy discount

      Benefits of HDFC ERGO My:health Medisure Super Top Up Plan

      Take a look at the key benefits of buying an HDFC ERGO Medisure Super Top Up plan:

      1. Additional Medical Coverage

      Policyholders can avail additional medical coverage in the form of a super top up policy if their base policy has been insufficient in covering all their medical expenses. 

      2. Lower Premiums

      The HDFC ERGO General Insurance Company charges a lower premium for a super top up insurance policy as the insurance company’s liability reduces with the deductible amount.

      3. No Sub-limits

      This HDFC ERGO health insurance does not levy any sub-limits on in-patient hospitalization and, thus, offers coverage for up to the sum insured limit is available.

      4. Tax Benefits

      As per Sec 80D of the Income Tax Act, the premium of an HDFC ERGO super top up policy can be used to avail tax benefits.

      HDFC ERGO My:health Medisure Super Top Up Plan Eligibility Criteria

      Here are the eligibility criteria to buy an HDFC ERGO Medisure Super Top Up plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – 65 years
      Child – 23 years
      Coverage Type Individual/ floater
      Renewability Lifetime

      Inclusions of HDFC ERGO My:health Medisure Super Top Up Plan

      HDFC ERGO Medisure Super Top Up includes the following coverage:

      • In-patient Hospitalization – It provides coverage for the cost of hospitalization of 24 hours or more, such as doctor’s fees, room rent, ICU charges, nurse fees, etc.
      • Pre-hospitalization Costs – It pays for all medical costs incurred before hospitalization for a maximum of 30 days.
      • Post-hospitalization Costs – It covers the healthcare expenses incurred after hospital discharge for a maximum of 60 days.
      • Day Care Procedures – It pays for the cost of day care treatments and procedures that requires less than 24 hours of hospital admission.

      Exclusions of HDFC ERGO My:health Medisure Super Top Up Plan

      The following coverage is excluded under this HDFC ERGO Super Top Up plan:

      • Ambulance charges
      • OPD treatment
      • Non-medical expenses
      • Alternative treatments
      • Pregnancy & related complications
      • Organ donor expenses
      • Plastic or cosmetic surgery
      • Treatments due to participating in adventure sports
      • Hospitalization due to drug or alcohol abuse
      • Self-inflicted injuries

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by Magma HDI Health Insurance Plans

      18 Apr 2024

      Magma HDI General Insurance Company offers a spectrum of
      Read more
      Surgeries Covered by Raheja QBE Health Insurance Plans

      17 Apr 2024

      Raheja QBE General Insurance Company offers a diverse range of
      Read more
      Surgeries Covered by Aditya Birla Health Insurance Plans

      16 Apr 2024

      Aditya Birla Health Insurance Company offers a range of
      Read more
      Surgeries Covered by Cholamandalam Health Insurance Plans

      16 Apr 2024

      Cholamandalam MS General Insurance Company offers a range of
      Read more
      Surgeries Covered by Future Generali Health Insurance Plans

      16 Apr 2024

      Future Generali India Insurance Company offers comprehensive
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL