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 37 Reviews)
HDFC Ergo My Health Medisure Super Top Up Insurance Reviews & Ratings
4 / 5 (Based on 37 Reviews)
(Showing Newest 25 reviews)
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.
Gurgaon, October 05, 2016
Best Health Insurance
The hdfc ergo general insurance company provides me health insurance plan at very low premiums. Coverage of the insurance plan is high and claims are even better. Service provided by the executives is fast and on time.
Rourkela, September 29, 2016
HDFC Insurance
Policy I have is hdfc ergo health insurance plan which is very low at price and the claims are easy to sanctioned. Service provided by the executives is really very good with ambulance free service. Policy coverage is high ~90%.
Raj_nagar, August 23, 2016
HDFC general insurance company is one of the best insurers, i bought a health plan in very low premium. Service is fantastic and online renewal is very easy to make through online portal. The ambulance is facilitate for free and accidental death benefit is inbuilt in it.
Hamirpur, July 22, 2016
Health Care
My brother advice me to buy a health insurance policy. After long searching i got one which has low premiums and high payback returns. Thanks hdfc ergo insurance for this great insurance policy. Service is fabulous which you provided.
Ambikapur, July 07, 2016
Health Plan
Health insurance is must in this risky times. The policy i have is great and it has maximum benefits. Premium is less and returns are high. Policy coverage is good and claiming is easy due to quick service provided by the staff members by the company. Online portal service is also nice an easy to access.
Coonoor, June 24, 2016
Good Plan
The health insurance plan I have is good and the premium of that is low. Policy coverage is high and claims are easily sanctioned due to fast service facilitate by the executives and the staff members. The ambulance is for free service at any location. Good insurance, good job.
Bengaluru, March 09, 2016
"Not That Good"
I have hdfc ergo general insurance health policy plan. The policy coverage is 60% and claims are 3lakhs. Claiming process is bit lengthy because of your executives and staff members. Policy is okay but improve your services for better outputs.
Kanpur, March 09, 2016
"Service is good"
My friend suggested me a very fine health policy plan which i bought from hdfc ergo general insurance. Policy coverage and claims are high but premiums are low. The hospital provide the ambulance from the door steps to hospital and then drop return to home after discharge. Nice policy plan, i like it.
Jaipur, March 09, 2016
Good Insurance Policy.
Policy coverage is good and premiums are low ~rs.2999 per month. Claims are high around rs.1.9 L. Ambulance is facilitate for free and the service is fast and with full take care of patient. Nice job HDFC ERGO general insurance for such a nice health insurance policy plan.
Bhiwani, March 09, 2016
Service is not fast.
I finally found the health insurance policy plan of my choice. It has low premium rates with high recovery payback amount. The coverage is 80% and the claims are clear easily because no paper work is there. Service is slow that's the only thing. Please improve it.
Siliguri, March 09, 2016
I had hdfc ergo health insurance policy plan which gave several benefits like ambulance and large number of hospitals for patient convenience. Even policy covers whole billing and the claims are easily sanctioned because of quick services.
Ahmednagar, March 09, 2016
My health insurance policy plan is with hdfc ergo general insurance. The policy is good and investment is medium but the returns are high as respect to premiums. Policy coverage and claims are also good. Just the services is bit slow, please improve it.
Pune, March 09, 2016
Bad Policy.
Bad Bad Bad...Slow service and waiting is must for months. Policy coverage, claims are low and the premiums are high as compared to other things. Really had bad experience. Improve your services and behaviour with customers.
Mumbai, March 09, 2016
superb plan.
I have health insurance policy plan like every one else but my policy is far far better then others because i have hdfc ergo general insurance which provide great benefits in low investments like ambulance is facilitate for free, Claims are high and the policy coverage is around 90%. Great work guys.
Rohtak, March 09, 2016
slow service issue.
Got health insurance policy plan in very low premiums by hdfc ergo general insurance. Policy provide whole coverage for health problems and whole bill payments are payed by the company. Claims are high and premiums are low. Good policy.
Kanpur, March 09, 2016
Good Policy Coverage
My father buy health insurance policy for me from hdfc ergo general insurance. The policy plan is great, it has low investment and returns are high. Policy coverage is 90% and the claims are Rs.3.2 L. Hospitals provide ambulance for free. Good beheaviour by executives and staff members.