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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 DETAILS |
My Health Medisure Super Top Up |
Health Premia Plan |
| Product Type | Top Up and Super Top Up | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 18 to 65 Years | 18 - 65 Years |
| Plan Premium Entry Age and S/A | 1,430 | 16436 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Top Up and Super Top Up | Inpatient hospitalization expenses, pre and post-hospitalization cover, daycare treatments, ambulance charges, AYUSH treatment cover, organ donor expenses, maternity and newborn cover, and optional global emergency treatment coverage. |
| Plan Sample Premium | 1,430 | 16436 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 2, 3 Years | 1 & 2 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.30 | 94.4 |
| Solvency Ratio | 2.00 | 3.03 |
|
HDFC Ergo Health Insurance Plan Detailed Review Niva Bupa Health Insurance Plan Detailed Review |
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