HDFC My Health Medisure Super Top Up Plan - Check Complete Details
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HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

My Health Medisure Super Top Up

HDFC My Health Medisure Super Top Up Plan offers enhanced health cover ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 4 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

The HDFC Ergo Super Top-Up plan is an excellent option to ensure ample cover for the best medical treatment without restrictions. It complements your existing health insurance plan, providing enhanced coverage at a much lower premium.

HDFC Ergo My Health Medisure Super Top Up offers comprehensive healthcare coverage, from regular medical checkups to hospitalization. The plan provides extensive health coverage for your parents, in-laws, nieces, nephews, spouse, and children.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.

My Health Medisure Super Top-Up Plan Benefits

Whole Family Cover

The plan provides health coverage for your parents, in-laws, nieces, nephews, spouse, and children.

Discounts

  • Opt for a long-term policy of 2 years to get a 5% discount on the premium.
  • Cover a family of more than 2 members on an individual Sum Insured basis to avail a 10% discount.

No Health Check-up

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

Tax Benefits

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

Exclusions

  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Listed ailments are covered after 24 months.
  • Pre-existing diseases are covered after 36 months.

Sample Premium Illustration of My Health Medisure Super Top Up

To understand the premium payable, refer to the sample illustrations below for different family sizes.

1 Adult

Sum Insured (in Rs.) 3 Lakhs 8 Lakhs 15 Lakhs 20 Lakhs
Premium Payable 1,430 1,980 1,650 2,200

2 Adults

Sum Insured (in Rs.) 3 Lakhs 8 Lakhs 15 Lakhs 20 Lakhs
Premium Payable 1,980 2,750 2,530 3,300

2 Adults+1 Kid

Sum Insured (in Rs.) 3 Lakhs 8 Lakhs 15 Lakhs 20 Lakhs
Premium Payable 2,310 3,300 3,080 3,850

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Top Up and Super Top Up
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹16 L, ₹20 L
Waiting period
30 days
Renewability
Lifetime
Policy term
2, 3 Years

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Day care procedures
  • High sum insured
  • 6-hour response guarantee

Cons

  • Adventure sport injuries
  • Self-inflicted injuries
  • War

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 20 Lakhs

Frequently Asked Questions

The 7 most-asked questions about My Health Medisure Super Top Up, answered.

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.
You can select an aggregate minimum deductible of Rs. 2 lakhs and a maximum of Rs. 5 lakhs in this policy.
Under the insurance policy, the pre-existing diseases will be covered only after 3 years of continuous coverage.
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.
You can expect a response within 6 hours.
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.
Whatever amount is over and above, the threshold limit will be paid.

Explore HDFC ERGO Health Insurance

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