Network hospitals
12000+
Incurred claim ratio
79.04%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
200+
Network hospitals
12000+
Incurred claim ratio
79.04%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
200+
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 Health Insurance Plan Detailed Review
Minimum: Children- 91 days to 23 years Adult: 18 years
Maximum: 65 Years
2/3 years
3 L | 5 L | 6 L | 7 L | 8 L | 10 L | 11 L | 12 L | 15 L | 16 L | 20 L
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.
Coverage for SI:3L - 20L
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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Not Covered
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Applicable
Sub-limits
Not Available
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:
Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?
Under this plan, Room rent is covered with no sub-limits.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?
The new born baby is not covered under this plan.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under HDFC Ergo My Health Medisure Super Top Up Plan?
IVF is not covered under this plan.
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
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.
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).
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
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
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.
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.
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.
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.
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.
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 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.
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
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
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.
Sum Insured (in Rs.) | 3 Lakhs | 8 Lakhs | 15 Lakhs | 20 Lakhs |
Premium Payable | 1,430 | 1,980 | 1,650 | 2,200 |
Sum Insured (in Rs.) | 3 Lakhs | 8 Lakhs | 15 Lakhs | 20 Lakhs |
Premium Payable | 1,980 | 2,750 | 2,530 | 3,300 |
Sum Insured (in Rs.) | 3 Lakhs | 8 Lakhs | 15 Lakhs | 20 Lakhs |
Premium Payable | 2,310 | 3,300 | 3,080 | 3,850 |
Bind your family in a secure bond
Avail Family and Long Term Discounts
Forget the hassle of health check-ups
Get tax relief under section 80D
The plan provides health cover to your parents, in-laws, niece, nephew, spouse, and kids.
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.
Secure your health without the hassle of health checkups till up to the age of 55 Years.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:
Comprehensive
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
Comprehensive
This plan is designed to provide you with alternate and basic healthcare facilities at affordable premium options.
Unique Features
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
Flexible
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Comprehensive
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
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
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
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
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
Women-oriented health
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
Comprehensive
This plan covers the policyholder with basic to advanced healthcare benefits not only within the Indian subcontinents but globally as well.
Unique Features
Comprehensive
Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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.
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