HDFC My Health Medisure Super Topup Plan - Check Complete Details
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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

My:Health Super Top Up Insurance Policy works alongside your current health insurance policy to provide complete coverage against high medical expenses that your base health insurance can’t cover.

Why Do We Recommend This?
  • Higher sum insured at a low premium
  • Wide range of deductibles
  • 6-hour response guarantee on every cashless claim

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

A quick look at what this plan covers — and what it doesn't.

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.

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 →

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

Frequently Asked Questions

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: 1 Jun 2026 · Originally published: 4 Nov 2024

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