HDFC ERGO My:health Medisure Super Top Up Plan

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      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.

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      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


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      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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