HDFC Ergo Top-up Plans
  • PED Cover
  • 51 Critical Illness Covered
  • Day Care Treatments
premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

HDFC Ergo Super Top-up Plan

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 it 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 family 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.

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HDFC Ergo Health Insurance Plan Detailed Review

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Key Benefits of Hdfc Ergo Super Top-Up Plan

Any type of medical emergency, whether minor or major, cause 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 HDFC Ergo Super Top-up Plan.

  • Cover family members
    Hdfc Ergo Super Top-Up plan provides you with a family cover feature, wherein you can cover your family members under the Hdfc Ergo Super Top-up plan. You can include your parents, spouse, dependent children, in-laws, and other relatives in a single top-up plan.
  • Multiple Benefits
    Hdfc Ergo Super Top-up plan offers a multitude of benefits to the insurance holder including hospitalization expenses like pre- and post-hospitalization, daycare procedures, in-patient hospitalization, and other add-on covers.
  • Add-on Covers
    Hdfc Ergo Super Top-Up plan offers 2 different additional covers namely, My Health Critical Illness and My Health Hospital cash benefit. My health critical illness benefit offers a sum insured on the diagnosis of any of the 51 listed critical illnesses. The sum insured can be selected between 1 Lakh and 50 Lakh INR. My health hospital cash offers pay-per-day benefits up to INR 10k on medically necessary hospitalization.
  • Tax Benefits
    Hdfc Ergo Super Top-Up Plan is eligible under Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions.
  • Pre-existing disease-covered
    Hdfc Ergo Super Top-up health plan covers pre-existing diseases. The plan covers expenses incurred for the treatment of diseases that you have before taking the policy and will be covered only after 3 continuous renewals.

HDFC Ergo Top-up health plans

My:health Medisure Super 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

Hdfc Ergo Super Top-Up Plan Eligibility Criteria

Entry Age

Minimum: 91 Days to 23 Years

Adult Entry Age

Minimum: 18 Years
Maximum: 65 Years

Policy Term

1/2/3 Years

Plan Type

Individual/Family

Sum Insured

20 L

Grace Period

30 Days*

Health Insurance Companies

Hdfc Ergo Super Top-Up Plan Inclusions

The various inclusions under Hdfc Ergo Super Top-Up Plan includes

In-Patient Hospitalization

Pre-Hospitalization Medical Expenses

Post Hospitalization Medical Expenses

Day Care treatment

Pre-existing Diseases

Critical Illness

Hospital Cash Benefit

Hdfc Ergo Super Top-Up Plan Exclusions

The various exclusions under Hdfc Ergo Super Top-Up Plan includes

Infertility, congenital external

Maternity Expenses

Any hospitalization primarily for investigation / diagnostic purpose · 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, misdemeanor, or civil commotion

war, terrorism, or nuclear weapons

Explore HDFC ERGO Health Insurance

Know more about HDFC ERGO Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know HDFC ERGO Health Insurance Claim Process.

Buying Process

Click to know HDFC ERGO Health Insurance Buying Process.

Contact Us

Feel free to contact HDFC ERGO Health Insurance for more details.

Renewal Process

Click here to Renew HDFC ERGO Health Policy Online

%

Claim Settlement Ratio

Click here to HDFC ERGO Health Insurance Claim Settlement Ratio

Premium Calculator

Click here to HDFC ERGO Health Policy calculation premium

Explore other HDFC ERGO Health Plans

There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Super Top-up Health Insurance. Take a look below to explore them:

Comprehensive

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

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days

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

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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

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

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days

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

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

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

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

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

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

HDFC iCan Cancer (Pros)

  • Ambulance Cover
  • Follow up care post treatment
  • Conventional Treatments
  • Hormonal Treatment
  • Stem Cell Transplantation

HDFC iCan Cancer (Cons)

  • No Non Allopathic treatments
  • No Prosthetic Devices
  • No Overseas Treatments
  • Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

  • Sum Insured Enhancement
  • CritiCare Benefit
  • Family Care Benefit
  • Lifetime Renewal
  • MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 120 Days

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

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

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

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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

  • Maternity complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

My:health Women Suraksha (Pros)

  • AYUSH Benefit
  • Alternative Treatment
  • Organ Donor Benefit
  • Domiciliary Hospitalization
  • Pre and Post Hospitalization

My:health Women Suraksha (Cons)

  • Adventure Sports Injuries
  • No Sexsually Transmitted diseases
  • No Cosmetic Surgery
  • Alcoholism issues not covered
  • No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

  • Parent and Child care Cover
  • Child Care Benefit
  • Vaccination
  • Air Ambulance
  • Health Coach

My:health Women Suraksha (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - Lifetime Entry
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

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.

Hdfc Ergo Super Top-Up Plan: FAQs

1. Why is the Hdfc Ergo Super Top-Up plan important?

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.

2. What are the eligibility criteria for Hdfc Ergo Super Top-up Plan?

The eligibility criteria for the Hdfc Ergo Super Top-Up plan is 18 years to 65 years for adults and 91 days to 23 years for dependent children.

3. What are the waiting periods under Hdfc Ergo Super Top-up Plan?

The waiting periods for 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

4. Does Hdfc Ergo Super Top-Up Plan have any co-payment conditions?

Yes, co-payment is applicable under Hdfc Ergo Super Top-Up Plan. A 10% copayment is applicable after the age of 80 years.

5. What are the Hdfc Ergo Super Top Up Plan Exclusions?

The various exclusions under Hdfc Ergo Super Top-Up Plan includes

  • Infertility, congenital external
  • Maternity Expenses
  • Any hospitalization primarily for investigation / diagnostic purpose · 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, misdemeanor, or civil commotion
  • war, terrorism, or nuclear weapons

Read Reviews & Ratings

Customer Review Image

Patra Ahuja

Gandhinagar

April 8, 2024

I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.

Customer Review Image

Sunidhi Makkar

Mumbai

April 8, 2024

PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.

Customer Review Image

Harsh Wardhan

Madurai

April 8, 2024

I would extend my gratefulness to the PolicyX team who helped me get the best health insurance policy from HDFC ERGO.

Customer Review Image

Nipun Walia

Pune

April 8, 2024

Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.

Customer Review Image

Prema Singhania

Madurai

April 8, 2024

I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.

Customer Review Image

Padma Ray

Bhopal

March 15, 2024

Always wanted to buy a health insurance for myself with my first salary. PolicyX helped me choose the HDFC ERGO My:Health Women Suraksha, specifically made for heathcare needs of women.

Customer Review Image

Ryan Mukherjee

Coimbatore

March 14, 2024

HDFC ERGO Critical Illness Health Insurance Policy is the best choice of my life. I would like to thank PolicyX and the team for their support.

Customer Review Image

Nitish Sinha

Allahabad

March 14, 2024

I had a kidney problem, so I chose to buy an HDFC ERGO Critical Illness policy with the help of PolicyX. After completing the waiting period, now I am completely eligible to claim for my medica...

View All HDFC Ergo Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.