HDFC Ergo My Health Medisure Super Top Up Insurance

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HDFC Ergo my health Medisure Super Top Up Insurance Plan Overview

In today’s scenario, a medical cover of 2-3 lac is not enough because of the costly medical expenses. So, to solve this problem, HDFC Ergo health insurance plan has a special policy “My: health Medisure Super Topup Insurance policy” which provides a large cover at very nominal premium. You can take this policy along with your existing health insurance policy as well as separate.

Key Feature –

  • A very less response time of only 6 hours on every cashless claim.
  • In-patient hospitalisation expenses are covered in this policy.
  • The policy covers pre and post hospitalization expenses for 30 and 60 days respectively. 
  • Day Care Procedure is covered in the policy.
  • Policy covers expenses for the diseases which you have prior to the policy also.

Key Benefits –

  • Option of Family floater, which means you can also cover your family with yourself.
  • You can renew your policy after 2 year rather than traditional method of 1 year.
  • Lifetime renewal of policy is available.
  • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.

Policy Details –

Sum Insured -


Age Limit –Entry age for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option. Entry age for dependent Children is 3 months to 23 yrs.

Coverage type – Individual as well as family floater.

Policy termination - Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.

Free look period - If you are not happy with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Details about Premium –


Exclusions –

  • Waiting period of 3 years is applicable for pre-existing diseases
  • Cosmetic, aesthetic, or related treatments will not be covered.
  • Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
  • Treatments consisting of non-allopathic medicine are not covered under this policy.

Documents Required -

You need to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof to buy the policy. Medical examination may be required in some cases, based on the sum assured and the age of the person.

Written By: PolicyBazaar - Updated: 30 January 2018
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 53 Reviews)

HDFC Ergo My Health Medisure Super Top Up Insurance Reviews & Ratings

4.1 / 5 (Based on 53 Reviews)
(Showing Newest 25 reviews)
Udagamandalam, January 19, 2021
Decent customer care
I purchased HDFC Ergo General Health Insurance through the website of policybazaar. I am quite happy with their service as their customer care representative helped me to get the most suitable health insurance plan. Even though I did not get the policy instantly on my mail, but after talking to customer care, I got my copy instantly.
Habra, January 19, 2021
Helpful app
I purchased HDFC Ergo General Health Insurance policy through policybazaar app. Though the purchasing process through app was a bit slow but the steps to purchase a policy online through app is easy.
Wadhwan, January 18, 2021
Satisfactory policy renewal assistance
I renewed my health insurance policy through policybazaar’s website and guess what, my experience was awesome. The renewal process was not very fast, but the website is simple to understand.
Udagamandalam, January 18, 2021
A company to trust upon
I really want to thank not only HDFC Ergo but policybazaar too for their great support. Both these companies are trustworthy. I bought the most suitable health insurance plan and in great price too from
Laharpur, January 18, 2021
It is very easy to buy a health insurance policy and that too from the website of the policybazaar. I got to know about good plans in their website. Thanks, team for making my life easy.
Udagamandalam, January 18, 2021
Good plans
I came across very good plans in search of a health insurance policy. I am quite satisfied with the teamwork and the way they provided me with such good plans. Thanks, team.
, January 15, 2021
Supportive team
The team of policybazaar and HDFC ERGO health insurance is quite supportive and enthusiastic too. I have got a huge amount of support at the time of getting the health insurance claim. It is nice to be a part of both the companies and getting a huge amount of safety and security. Thank you so much to both the team.
Udagamandalam, January 15, 2021
Gives useful medical and financial advice
I chose policybazaar to get assistance in purchasing a HDFC Ergo General Health Insurance plan and the company helped me a lot as they provide me the best financial and medical advice that I used and selected this plan.
J.n.prasad, January 15, 2021
Claim Settlement Made Easy
While making a claim after recovering from dengue and getting treatment from a non-network hospital of HDFC Ergo was looking really difficult to me. But when I contacted policybazaar’s customer support, things became easy. They helped me throughout the process. The quick and instant response from the team of policybazaar had made things really easy.
Padampur, January 15, 2021
Happy customer
I am one of the happiest customer of the policybazaar as I bought the health insurance plan from them and it has a high number of coverage. I found this plan very much useful and I have got a few add-on benefits under the same. Thank you, team.
Yashwant Nagar, January 14, 2021
Got policy at lower premium
Getting HDFC Ergo Health Insurance plan through policybazaar is one of the best decisions that I have made as I got this policy in comparatively lesser premium. I got the best deal so I recommend others also.
Odagoan, January 14, 2021
Overall a good experience
I recently bought health insurance plan of HDFC Ergo from the website of policybazaar. It was a nice experience to purchase health insurance policy through this company as it provided me some of the best options as per my requirements and I selected HDFC Ergo and purchased it through policybazaar. I really like the buying experience with HDFC Ergo and would recommend it to others.
Wada, January 14, 2021
Economical plans
I have taken the health insurance policy from the website of the policybazaar and it was the HDFC ERGO health plans. The plan was pretty nice and it was economical to me as per the services and the add-on benefits. Thank you team, Policybazaar.
Odagoan, January 14, 2021
Less costly plans
I got the health insurance plans online and it is less costly. The premium rate is superb and was under my budget. I even added one of the additional benefits under the same. It has enhanced my health insurance plan and made my life so simple and easy to live. Thank you so much policybazaar.
Udagamandalam, January 13, 2021
Compare and buy
Policybazaar has helped me a lot in providing the best health insurance policy coverage for me and my family. I went and visited the website for some good health plans and compared different plans at one platform. It has desirable plans and I purchased the HDFC ERGO general health insurance plan. Quite good and responsive team. Kudos to team policybazaar.
H D Kote, January 13, 2021
Claim settlement
The claim settlement ratio of the insurance company from which I bought the health insurance is really good and hassle-free. I got my claim settled in less than 3 days and I got very good hospitality from the health insurance company as well as team policybazaar.
Bangalore, April 13, 2017
Long term HDFC health insurance plan
I recently bought a family floater plan which covers me and my wife for a period of 2 years . HDFC ERGO health insurance offers 10% discounts on a 2 year plan which I think I haven't seen with other companies.
Chandigarh, April 12, 2017
HDFC health insurance plan is versatile
HDFC ERGO health insurance plan seems quite versatile. I am usually a fit person and due to which I could increase my sum assured this year due to no claims last year without paying a single extra penny on previous premium.
Noida, April 12, 2017
Affordable premium with HDFC Ergo Insurance
The best thing about HDFC health insurance policy is nominal premium and tax benefits as well. I hope, though ,I never have to file a claim... this health insurance plan gives me a sense of security
Allahabad, April 11, 2017
HDFC health insurance plan is good for pregnant women
I was looking for a pregnancy insurance plan after pregnant. I must say that HDFC Health Suraksha Gold Plan was the answer to my in securities regarding the expenses during the regular check ups and medicinal requirements. The response is too good.
Villupuram, April 11, 2017
Good to go with HDFC Ergo health insurance
I find it a good plan. Everything is manageable from the premium to renewal service. I got instant answers to my questions from customer care. Thanks and Keep it up!!
Mumbai, March 25, 2017
i asked many people about this policy they said premium is high it doesn't matterwhat is ehr premium see what benefit giving the company hdfc not putting any limit on hospitalisation expenses. so it's osssssssssssssssssam
Guna, October 21, 2016
Trustable Insurers
When i listen about the hdfc ergo general insurance company ltd. I took the health insurance plan at very less amount. Service is fast and the executives assist 24X7. Policy coverage is high and claims are easy to get. Ambulance free service for policy holder.
Haridwar, October 17, 2016
Low premium,high returns
My colleague introduce a health insurance plan to me, which is good and in budget. The premium of the policy less and the coverage is high. Claiming process of the plan is easy because the service given by the executives and staff members of the company is fast and on time.
Mahabub_nagar, October 17, 2016
Ergo general insurance policy
After a long time i got health insurance policy for my whole family through hdfc ergo general insurance. Service is fantastic and so quick. Investment is less in this policy but the return after policy get matured is really very high. Updates are mailed to me time to time.