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HDFC ERGO Top-up health insurance plans can help you protect your health in the event of a medical emergency. Hdfc Ergo Super Top-up health insurance plans supplement your primary health insurance policy. If you believe that the sum insured in your current health insurance plan is insufficient or if you have exhausted your basic health insurance plan, HDFC ERGO super top-up plans are an excellent option as they will supplement your medical coverage. Individuals who want extra protection and a financial safety net for medical emergencies should consider HDFC ERGO Super Top-up plans.
The HDFC ERGO Super Top Up plan is packed with features that help insured individuals and their families receive efficient medical care under one plan. Hdfc super top-up plan includes pre- and post-hospitalization, daycare procedures, in-patient hospitalization, and other services. The HDFC ERGO super top-up plan includes deductibles, which means that the insured individual must pay a certain amount of money out of pocket before the insurance provider will settle the mediclaim. Every health insurance company that offers top-up health insurance plans includes a deductible in the plan, which varies by insurer.
Any type of medical emergency, whether minor or major, causes emotional, physical, and financial stress. You can avoid the financial stress of hospitalization, doctor consultations, and other medical care costs with the HDFC ERGO Super Top Up health insurance plan. Let us look at some of the key benefits of the HDFC ERGO Super Top-up Plan.
Minimum: 91 Days to 23 Years
Minimum: 18 Years
Maximum: 65 Years
1/2/3 Years
Individual/Family
20 L
30 Days*
The various inclusions under the HDFC ERGO Super Top-Up Plan include:
In-Patient Hospitalization
Pre-Hospitalization Medical Expenses
Post Hospitalization Medical Expenses
Day Care Treatment
Pre-existing Diseases
Critical Illness
Hospital Cash Benefit
The various exclusions under the HDFC ERGO Super Top-Up Plan include:
Infertility, congenital external
Maternity Expenses
Any hospitalization primarily for investigation / diagnostic purposes · Alternative Treatments (Non Allopathic treatments)
Pregnancy or childbirth
HIV infection / AIDS
Cosmetic or sex-change treatment/surgery
Alcohol consumption, smoking, other tobacco intake, or drug abuse
Intentional self-injury, suicide, or attempted suicide
Breach of law or participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion
War, terrorism, or nuclear weapons
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.
HDFC Ergo Health Insurance Plan Detailed Review
To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:
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Hdfc Ergo Super Top-up plan acts as a supplement to your existing health insurance plan. It is a plan that offers you a higher sum insured and wider coverage to meet emergency medical expenses. Hdfc Ergo Super Top-Up Plan can be purchased as an independent policy or as a top-up to your existing plan.
The eligibility criteria for the Hdfc Ergo Super Top-Up plan are 18 years to 65 years for adults and 91 days to 23 years for dependent children.
The waiting periods for the Hdfc Ergo Super Top-up Plan are as follows: 30 days for all illnesses 24 months for listed ailments 36 months for Pre-existing diseases
Yes, co-payment is applicable under Hdfc Ergo Super Top-Up Plan. A 10% copayment is applicable after the age of 80 years.
The various exclusions under the Hdfc Ergo Super Top-Up Plan include Infertility, congenital external Maternity Expenses Any hospitalization primarily for investigation / diagnostic purposes · Alternative Treatments (Non Allopathic treatments) pregnancy or childbirth HIV infection / AIDS cosmetic or sex-change treatment/surgery alcohol consumption, smoking, another tobacco intake, or drug abuse intentional self-injury, suicide, or attempted suicide any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion war, terrorism, or nuclear weapons
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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