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.

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
Categories	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

FAQs

Q1. Which waiting periods apply to the HDFC ERGO health insurance top up plan?
Ans: The following waiting periods apply to the HDFC ERGO health insurance top up plan:
- Pre-existing diseases waiting period – 4 years
- Specific disease/procedure waiting period – 2 years
- Initial waiting period – 30 days
Q2. How can I check the premium of HDFC ERGO health insurance top up plan?

Ans: You can use an HDFC ERGO top up premium chart to check the premium for your top-up insurance policy.
Q3. Does HDFC ERGO health insurance top up plan come with any co-payment?

Ans: No. The HDFC ERGO health insurance top up plan does not have any co-payment.