HDFC My Health Medisure Super Topup Plan - Check Complete Details
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HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

My Health Medisure Super Top Up

My:Health Super Top Up Insurance Policy works alongside your current h ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

About My Health Medisure Super Top Up

A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.

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 at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Top Up and Super Top Up
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹16 L, ₹20 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Day care procedures
  • High sum insured
  • 6-hour response guarantee

Cons

  • Adventure sport injuries
  • Self-inflicted injuries
  • War

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.

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 Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

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 Lakhs8 Lakhs15 Lakhs20 Lakhs
Premium Payable1,4301,9801,6502,200

2 Adults

Sum Insured (in Rs.)3 Lakhs8 Lakhs15 Lakhs20 Lakhs
Premium Payable1,9802,7502,5303,300

2 Adults+1 Kid

Sum Insured (in Rs.)3 Lakhs8 Lakhs15 Lakhs20 Lakhs
Premium Payable2,3103,3003,0803,850

Inclusions & exclusions

What the plan pays for, and what it doesn't.

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
  • 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

  • Deductibles offered
  • Covers family members
  • Versatile plan

HDFC Ergo My Health Medisure Super Top Up Plan: FAQs

The 7 most-asked questions about My Health Medisure Super Top Up, answered.

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.
You can select an aggregate minimum deductible of Rs. 2 lakhs and a maximum of Rs. 5 lakhs in this policy.
Under the insurance policy, the pre-existing diseases will be covered only after 3 years of continuous coverage.
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.
You can expect a response within 6 hours.
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.
Whatever amount is over and above, the threshold limit will be paid.

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 4 Nov 2024

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