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My Health Medisure Super Top Up
1,430
VS
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Premium Personal Guard
1300
HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best 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 for 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 with 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 coverage to your parents, in-laws, niece, nephew, spouse, and kids.
| PLAN DETAILS |
My Health Medisure Super Top Up |
Premium Personal Guard |
| Premium Including GST | ||
| Product Type | Top Up and Super Top Up | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not 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 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not 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 | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Applicable |
| Plan Entry Age | 18 to 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 1,430 | 1300 |
| Plan Waiting Period | 30 | N/A |
| Plan Coverage | Top Up and Super Top Up | - |
| Plan Sample Premium | 1,430 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 2, 3 Years | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.30 | 99.23 |
| Solvency Ratio | 2.00 | 3.25 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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