My Health Medisure Super Top Up

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.

My Health Medisure Super Top Up Specifications

To understand My Health Medisure Super Top Up Insurance in detail, take a look at the below table:

Entry Age

18 to 65 Years

Policy Type

Top Up and Super Top Up

Sum Insured

3 L | 5 L | 10 L | 15 L | 16 L | 20 L

Initial 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.

Read more specifications in the brochure.

Choose Your My Health Medisure Super Top Up

With wide coverage options available, My Health Medisure Super Top Up Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

My Health Medisure Super Top-Up Plan Benefits

Whole Family Cover
The plan provides health coverage to your parents, in-laws, nieces, nephews, spouse, and kids.
Discounts
Opt for a long-term policy of 2 years and get a 5% discount on the premium. Cover a family of more than 2 members on an individual Sum Insured basis, then you can avail 10% discount.
No Health Check-up
Secure your health without the hassle of health checkups till up to the age of 55 Years.
Tax Benefits
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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Sample Premium Illustration of My Health Medisure Super Top Up

To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums for different family sizes.

1 Adult

Sum Insured (in Rs.)	3 Lakhs	8 Lakhs	15 Lakhs	20 Lakhs
Premium Payable	1,430	1,980	1,650	2,200

2 Adults

Sum Insured (in Rs.)	3 Lakhs	8 Lakhs	15 Lakhs	20 Lakhs
Premium Payable	1,980	2,750	2,530	3,300

2 Adults+1 Kid

Sum Insured (in Rs.)	3 Lakhs	8 Lakhs	15 Lakhs	20 Lakhs
Premium Payable	2,310	3,300	3,080	3,850

HDFC Ergo My Health Medisure Super Top Up Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the HDFC Ergo My Health Medisure Super Top Up Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Explore other HDFC ERGO Health Insurance

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:

Women Health Insurance

My:Health Women Suraksha Policy

HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. T...

Unique Features

Cancer Cover
Assault And Burn Cover
41 Critical Illness Cover

My:Health Women Suraksha Policy (Pros)

Lifetime renewal
Wellness Incentives
Add-On Coverage

My:Health Women Suraksha Policy (Cons)

Obesity or weight control
Cosmetic surgeries
Maternity cover
Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

Post Diagnosis Support
Cancer Cover
Major Illness Cover
Surgical Procedure
Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 Lakh to 1 Crore
Policy term: 1/2/3 years

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medic...

Unique Features

3 plan variants
Double coverage
E-opinion on critical illnesses

HDFC ERGO Arogya Sanjeevani Policy (Pros)

Pre and post-hospitalization
Doctor consultation
AYUSH treatment
Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

Maternity expenses
Daily hospital cash
Modern treatment
Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

Family floater cover
SI upto 10 Lakhs
Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

Min. Entry Age - 18 Years
Max. Entry Age - 65 Years
Si - Up to 10 L
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...

Unique Features

India & Worldwide Coverage
High SI up to 2 Crores
Aggregate Deductible Discounts

HDFC ERGO Optima Secure Global Plan (Pros)

Pre and post-hospitalisation
Organ donor expenses
AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

Modern treatment
Vaccination unavailable
Maternity and newborn baby cover
Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

E-opinion for 51 critical illnesses
Add-on covers
Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 2 Crore
Initial Waiting Period 30 Days
Policy Term: 1/2/3 Years

Individual and Family Health Insurance

HDFC ERGO Optima Secure Plan

HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...

Unique Features

3 plan variants
Double coverage
E-opinion on critical illnesses

HDFC ERGO Optima Secure Plan (Pros)

Hospital Cash Benefit
No Cost Instalment Option
Restore Benefit
Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

Maternity cover NA
Newborn care unavailable
OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

Aggregate deductible discounts
Disposables & consumables cover
Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

Entry age: 18 years to no max limit
SI: 5 Lakhs to 2 Crore
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual

HDFC ERGO Personal Accident Insurance

Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...

Unique Features

Worldwide coverage
No pre-policy medicals
Lifelong renewability

HDFC ERGO Personal Accident Insurance (Pros)

Accidental Death
Permanent Total Disability
Broken Bones
Burns

HDFC ERGO Personal Accident Insurance (Cons)

Breach of law
Pregnancy or childbirth
Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

Ambulance costs
Hospital cash
Lump sum payout benefit
Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

Entry Age: 18 - 65 years
Policy Term: 1/2/3 years
Initial Waiting Period: None
Sum Insured: 20 L - 10 Cr

Critical Illness Health Insurance

iCan Cancer Insurance Plan

iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...

Unique Features

Key Features
Eligibility & Exclusions
iCan Cancer Plan Sample Premiums

iCan Cancer Insurance Plan (Pros)

Cancer cover
In-patient hospitalization
Ambulance cover

iCan Cancer Insurance Plan (Cons)

Maternity cover
Newborn cover
Organ donor cover
Global coverage

iCan Cancer Insurance Plan (Other Benefits)

COVID-19 cover
Pre and post-hospitalization
ICU charges

iCan Cancer Insurance Plan (Eligibility Criteria)

Entry age: 5 to 65 years
POlicy term: 1 year
Initial waiting period: 120 days

Individual and Family Health Insurance

My:Health Suraksha Smart Plan

HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...

Unique Features

Key Features
Eligibility & Age Restrictions
Types of My:Health Suraksha Smart Plans

My:Health Suraksha Smart Plan (Pros)

Air ambulance cover
Recovery benefit
Infertility cover

My:Health Suraksha Smart Plan (Cons)

Vaccination cover unavailable
Second medical opinion not available
Maternity cover
Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

Family discount
Long-term policy discount
Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

Entry age: 18 years to no age limit
Sum insured: 3 to 75 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type...

Unique Features

Personalized health coach option
Get rewards to reduce your premiums
Diabetes-Hypertension without waiting period

HDFC ERGO Energy Diabetes Plan (Pros)

Personal health coach
Rewards for premium discount
Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

ICU cover unavailable
AYUSH treatment
OPD not covered
Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

Organ donor cover
Ambulance services
Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Policy term: 1 year
Initial waiting period: 30 days
Sum insured: 2 to 50 L

Individual and Family Health Insurance

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...

Unique Features

Worldwide Emergency Care
Avail 6% interest on un-used SI
Cashless Homecare treatment

HDFC ERGO Health Wallet Family Floater (Pros)

Inpatient and outpatient cover
OPD cover
Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

Air ambulance
E-consultations
Health check-up
Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

Global coverage
Daycare procedures
Health check-up
Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

Entry age: 18 to 65 years
Initial waiting period: 30 days
Sum insured: 3 to 50 Lakhs
Policy term: 1/2/3 years

Top Up and Super Top Up

My Health Medisure Super Top Up

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 restricti...

Unique Features

Plan Specifications
Key Features & Benefits
Quick Buying And Claim Process

My Health Medisure Super Top Up (Pros)

Day care procedures
High sum insured
6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

Adventure sport injuries
Self-inflicted injuries
War

My Health Medisure Super Top Up (Other Benefits)

Deductibles offered
Covers family members
Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Individual and Family Health Insurance

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...

Unique Features

High sum insured
Health and wellness plan
Emergency worldwide coverage

HDFC ERGO Koti Suraksha Plan (Pros)

Air ambulance
OPD cover
Domiciliary hospitalization
Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

Vaccination not covered
Modern treatment unavailable
Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

In-patient hospitalization
Daycare procedures
Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 50 Lakhs & 1 Crore
Waiting period: 30 days
Policy term: 1/2/3 years

Individual and Family Health Insurance

Optima Restore Plan

HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your fami...

Unique Features

Recovery benefit
SI restoration
Waiting period reduction

Optima Restore Plan (Pros)

Restore benefit
2X Multiplier benefit
Renewal discounts

Optima Restore Plan (Cons)

AYUSH not covered
OPD cover unavailable
Global health cover

Optima Restore Plan (Other Benefits)

Recovery benefits
Organ donor cover
In-patient and out-patient hospitalization

Optima Restore Plan (Eligibility Criteria)

Entry Age: 18 - 65 Years
Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
Initial Waiting Period: 30 Days

HDFC Ergo My Health Medisure Super Top Up Plan: FAQs

1. Do I have to go through a medical check-up before buying this policy?

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.

2. What are the minimum and maximum deductibles in this plan?

You can select an aggregate minimum deductible of Rs. 2 lakhs and a maximum of Rs. 5 lakhs in this policy.

3. Will my Pre-existing diseases be covered in Medisure Super Top Up?

Under the insurance policy, the pre-existing diseases will be covered only after 3 years of continuous coverage.

4. Do I need to undergo a medical test to buy this policy?

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.

5. How soon will the company respond to my cashless claim request?

You can expect a response within 6 hours.

6. Is it possible to add my parents and parents-in-law to this plan?

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.

7. In case, if the amount for the claim is Rs. 6 lakhs, then how much is required to be paid by HDFC Ergo general insurance?

Whatever amount is over and above, the threshold limit will be paid.

My Health Medisure Super Top Up

My Health Medisure Super Top Up Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your My Health Medisure Super Top Up

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

My Health Medisure Super Top-Up Plan Benefits

Whole Family Cover

Discounts

No Health Check-up

Tax Benefits

Recommended Videos

HDFC ERGO Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Sample Premium Illustration of My Health Medisure Super Top Up

1 Adult

2 Adults

2 Adults+1 Kid

HDFC Ergo My Health Medisure Super Top Up Plan Exclusions

Permanent Exclusions

Coverage after Waiting Period

Explore other HDFC ERGO Health Insurance

My:Health Women Suraksha Policy (Pros)

My:Health Women Suraksha Policy (Cons)

My:Health Women Suraksha Policy (Other Benefits)

My:Health Women Suraksha Policy (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy (Pros)

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan (Pros)

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Plan (Pros)

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance (Pros)

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

iCan Cancer Insurance Plan (Pros)

iCan Cancer Insurance Plan (Cons)

iCan Cancer Insurance Plan (Other Benefits)

iCan Cancer Insurance Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan (Pros)

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater (Pros)

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

My Health Medisure Super Top Up (Pros)

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up (Eligibility Criteria)