ChatGPT
Claude
Perplexity
Optima Lite Health Insurance Plan
HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
3897-1730103982.webp){kind=logo}
HDFC ERGO Health Insurance
My Health Medisure Super Top Up
My:Health Super Top Up Insurance Policy works alongside your current h ...Read More
Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
About My Health Medisure Super Top Up
A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.
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.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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.
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
Other features & benefits
- Deductibles offered
- Covers family members
- Versatile plan
HDFC Ergo My Health Medisure Super Top Up Plan: FAQs
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
HDFC ERGO Top-up Plans
HDFC ERGO Insurance for Parents
HDFC ERGO Family Plans
HDFC ERGO Critical Illness
HDFC ERGO Senior Citizen Health Insurance
HDFC ERGO Critical Illness
HDFC ERGO Policy Download
HDFC ERGO Premium Calculator
HDFC ERGO Claim Settlement Ratio
HDFC ERGO Health Insurance Renewal
HDFC ERGO Incurred Claim Ratio
HDFC ERGO Health Policy Cancellation
HDFC ERGO Health Check-up
HDFC ERGO Health Benefits
HDFC ERGO Claim Process
HDFC Health Insurance Customer Care
HDFC ERGO Maternity Health Insurance
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,694 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?