My Health Medisure Super Top Up
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  • Key Features & Benefits of My Health Medisure Top up
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HDFC Ergo My Health Medisure Super Top Up

HDFC Ergo super top up planis the best option to ensure a cushion of ample cover to get the best of medical treatment without any restrictions and limitations. The plan is an added advantage to your existing health insurance plan. The HDFC ergo Top Up plan provides a good option of buying top-up insurance that works with your existing health insurance policy. HDFC Ergo My Health Medisure Super Top Up is a prominent health insurance policy that may significantly enhance your current insurance plan to provide you greater coverage at a much lower premium. The plan offers comprehensive health care coverage to policyholders ranging from regular medical checkups to hospitalization care. Moreover, the plan cover is all encompassing and provides health cover to your parents, in-laws, niece, nephew, spouse, and kids.

HDFC Ergo my: Health Medisure Super Top-Up Plan Specifications

Entry Age

Minimum: Children- 91 days to 23 years Adult: 18 years
Maximum: 65 Years

Policy Term

2/3 years

Sum Insured

3 L | 5 L | 6 L | 7 L | 8 L | 10 L | 11 L | 12 L | 15 L | 16 L | 20 L

Initial Waiting Period*

30 Days*

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your HDFC Ergo My Health Medisure Super Top Up Plan

Coverage for SI:3L - 20L

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

Not Available

Daily Hospital Cash

Up to Rs. 10,000 per day

Organ Donor

Not Covered

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Under this plan, Room rent is covered with no sub-limits.

What are ICU Charges?

It is a special department in the hospitals where patients with severe medical conditions are treated.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Under this plan, Room rent is covered with no sub-limits.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Under Active Assure Diamond Plan, domiciliary hospitalizations are not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

This plan covers expenses for all daycare procedures including any new procedure.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Not covered under the plan.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from a Govt. approved Centre.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

COVID-19 treatment is not covered under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not offer a No Claim Bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not offer Automatic Restoration.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The Daily hospital cash available under the plan is up to Rs. 10,000.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Under the plan, Organ Donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Maternity is not covered under this plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The new born baby is not covered under this plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

AYUSH Treatment is not covered under this plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

IVF is not covered under this plan.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

This plan does not cover ambulance charges.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not cover the Domestic Emergency Assistance Services (including Air Ambulance) or International Emergency Assistance Services (including Air Ambulance).

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not offer Health Checkup.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not cover the expenses for Second Medical Opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?

The plan does not cover vaccination cover.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under HDFC Ergo My Health Medisure Super Top Up Plan?

Co-payment is only applicable if the policyholder is above the age of 80 years.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under HDFC Ergo My Health Medisure Super Top Up Plan?

No sub-limits are available.

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

MyHealth Medisure Super Top Up Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Activ Assure Diamond plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Infertility and in vitro fertilization

Miscarriage and abortion

Congenital disease

Coverage after Waiting Period

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Sample Premium Illustration of My Health Medisure Super Top Up

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.

1 Adult

Sum Insured (in Rs.)3 Lakhs8 Lakhs15 Lakhs20 Lakhs
Premium Payable1,4301,9801,6502,200

2 Adults

Sum Insured (in Rs.)3 Lakhs8 Lakhs15 Lakhs20 Lakhs
Premium Payable1,9802,7502,5303,300

2 Adults+1 Kid

Sum Insured (in Rs.)3 Lakhs8 Lakhs15 Lakhs20 Lakhs
Premium Payable2,3103,3003,0803,850

My Health Medisure Super Top Up Plan Benefits

Whole Family Cover

Bind your family in a secure bond

Discounts

Avail Family and Long Term Discounts

No Health Check-up

Forget the hassle of health check-ups

Tax Benefits

Get tax relief under section 80D

Whole Family Cover

The plan provides health cover to your parents, in-laws, niece, nephew, spouse, and kids.

Discounts

Opt for a long-term policy of 2 years and get a 5% discount on the premium. Cover a family of more than 2 members on individual Sum Insured basis, then you can avail 10% discount.

No Health Check-up

Secure your health without the hassle of health checkups till up to the age of 55 Years.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Explore HDFC Ergo Health Insurance

Know more about HDFC Ergo Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Explore other HDFC Ergo Health Plans

HDFC Ergo Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

HDFC ERGO Optima Secure

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Comprehensive

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Flexible

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

Comprehensive

HDFC ERGO Koti Suraksha

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Disease-specific plan

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Disease-specific plan

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

Critical Illness

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Bonus-oriented health plan

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Top-Up

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

Women-oriented health

My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Health Insurance Articles

HDFC Ergo My Health Medisure Super Top Up Plan FAQs

1. Do I have to go through the medical check-up before buying this policy?

No, you do not have to undergo any medical/health tests up to 55 years of age (except in situations where pre-existing diseases or ailments were already informed at the time of buying a policy). In such types of scenarios and for applicants having an age above 55 years, one of them has to undergo medical tests.

2. What are the minimum and maximum deductible in this plan?

You can select an aggregate minimum deductible of Rs. 2 lakhs and a maximum of Rs. 5 lakhs in this policy.

3. Will my Pre-existing diseases be covered in Medisure Super Top Up?

Under the insurance policy, the pre-existing diseases will be covered only after 3 years of continuous coverage.

4. Do I need to undergo a medical test for buying this policy?

No, you don't need to undergo medical check-ups up to 55 years of age. If you, however, cross the bar, you need to go through some routine check-ups.

5. How soon will the company respond to my cashless claim request?

You can expect a response within 6 hours.

6. Is it possible to add my parents and parents-in-law to this plan?

Yes, it is possible to include your parents and in-laws in the same policy on the basis of individual sum insured and in a separate policy on a family floater sum insured basis.

7. In case, if the amount for the claim is Rs. 6 lakhs, then how much is required to be paid by HDFC Ergo general insurance?

Whatever amount is over and above, the threshold limit will be paid.

HDFC Ergo My Health Medisure Super Top Up Review

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