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.

Q4. Which add-ons can I buy with the HDFC ERGO my:health Medisure Super Top Up plan?

Ans: You can buy my:health critical illness add-on and my:health hospital cash benefit add-on along with the HDFC ERGO Super Top Up plan.

Q5. How many day care procedures are covered by HDFC ERGO Medisure Super Top Up?

Ans: The HDFC ERGO Medisure Super Top Up plan covers all day care procedures.

HDFC ERGO My:health Medisure Super Top Up Plan - Buy/Renew, Features & Benefits

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.

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.