HDFC ERGO Health Insurance Top Up Plan

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      HDFC ERGO Health Insurance Top Up Plan

      HDFC ERGO Health Insurance Top Up is a top-up insurance policy that provides additional medical coverage to the policyholder over and above their base policy. It comes to the policyholder’s rescue when the base policy is exhausted, and the deductible is paid. This plan offered by the HDFC ERGO General Insurance Company comes with a mandatory deductible that is decided at the time of policy purchase.

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      HDFC ERGO Health Insurance Top Up Plan: Key Highlights

      Check out the HDFC ERGO health insurance top up plan available in the market:

      Plan Name Sum Insured (Rs) Deductible (Rs) PED Waiting Period
      HDFC ERGO Health Suraksha Top Up Pro Plan 2 lakh to 10 lakh 1 lakh to 5 lakh 4 years

      Eligibility Criteria for HDFC ERGO Health Insurance Top Up Plan

      Take a look at the eligibility criteria for buying an HDFC ERGO Health Insurance Top Up plan:

      Categories Eligibility Criteria
      Adult Child
      Minimum Entry Age 18 years 91 days
      Maximum Entry Age 65 years 25 years
      Family Members Covered Self, spouse, dependent children and dependent parents
      Renewability Lifetime

      Key Benefits of HDFC ERGO Health Insurance Top Up Plan

      Here are the key benefits of buying an HDFC ERGO health insurance top up plan:

      • Coverage is available on an individual and family floater sum insured basis
      • No pre-policy medical check-up is required for up to 55 years
      • No sub-limits on room rent or diseases coverage is applicable
      • 5% cumulative bonus for up to 50% is rewarded on every claim-free year
      • Tax benefits on the premium amount can be availed u/s 80D of the Income Tax Act

      Inclusions of HDFC ERGO Health Insurance Top Up Plan

      The following coverage is included under the HDFC ERGO health insurance top up plan:

      • In-patient Treatment
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • Day Care Procedures
      • Domiciliary Treatment
      • Organ Donor Cover
      • Emergency Ambulance Cover

      Exclusions of HDFC ERGO Health Insurance Top Up Plan

      The HDFC ERGO Health Insurance Top Up plan comes with the following exclusions:

      • OPD treatment
      • Non-medical expenses
      • Obesity and weight control treatments
      • Treatment for drug or alcohol addiction
      • Maternity expenses
      • Treatment for injuries due to hazardous or adventure sports
      • Cosmetic or plastic surgery
      • Treatment for self-inflicted injuries
      • Congenital external diseases


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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