*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
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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.
|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|
Take a look at the key benefits of buying an HDFC ERGO Medisure Super Top Up plan:
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.
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.
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.
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.
Here are the eligibility criteria to buy an HDFC ERGO Medisure Super Top Up plan:
|Minimum Entry Age||Adult – 18 years
Child – 91 days
|Maximum Entry Age||Adult – 65 years
Child – 23 years
|Coverage Type||Individual/ floater|
HDFC ERGO Medisure Super Top Up includes the following coverage:
The following coverage is excluded under this HDFC ERGO Super Top Up plan:
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