HDFC ERGO Super Top-up Plan

HDFC ERGO Top-up health insurance plans can help you protect your health in the event of a medical emergency. HDFC ERGO Super Top-up health insurance plans supplement your primary health insurance policy. If you believe that the sum insured in your current health insurance plan is insufficient or if you have exhausted your basic health insurance plan, HDFC ERGO Super Top-up plans are an excellent option as they will supplement your medical coverage. Individuals who want extra protection and a financial safety net for medical emergencies should consider HDFC ERGO Super Top-up plans.

The HDFC ERGO Super Top-up plan is packed with features that help insured individuals and their families receive efficient medical care under one plan. The HDFC Super Top-up plan includes pre- and post-hospitalization, daycare procedures, in-patient hospitalization, and other services. The HDFC ERGO Super Top-up plan includes deductibles, which means that the insured individual must pay a certain amount out of pocket before the insurance provider will settle the mediclaim. Every health insurance company that offers top-up health insurance plans includes a deductible in the plan, which varies by insurer.

Key Benefits of HDFC ERGO Super Top-Up Plan

Any type of medical emergency, whether minor or major, causes emotional, physical, and financial stress. You can avoid the financial stress of hospitalization, doctor consultations, and other medical care costs with the HDFC ERGO Super Top-up health insurance plan. Let us look at some of the key benefits of the HDFC ERGO Super Top-up Plan.

• Cover Family Members

  HDFC ERGO Super Top-up plan provides a family cover feature, allowing you to include your parents, spouse, dependent children, in-laws, and other relatives in a single top-up plan.

• Multiple Benefits

  HDFC ERGO Super Top-up plan offers a multitude of benefits to the insurance holder, including hospitalization expenses like pre- and post-hospitalization, daycare procedures, in-patient hospitalization, and other add-on covers.

• Add-on Covers

  HDFC ERGO Super Top-up plan offers 2 different additional covers: My Health Critical Illness and My Health Hospital Cash Benefit. My Health Critical Illness benefit offers a sum insured on the diagnosis of any of the 51 listed critical illnesses. The sum insured can be selected between 1 Lakh and 50 Lakh INR. My Health Hospital Cash offers pay-per-day benefits up to INR 10k on medically necessary hospitalization.

• Tax Benefits

  HDFC ERGO Super Top-up Plan is eligible under the Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions.

• Pre-existing Diseases Covered

  HDFC ERGO Super Top-up health plan covers pre-existing diseases. The plan covers expenses incurred for the treatment of diseases that you have before taking the policy and will be covered only after 3 continuous renewals.

HDFC ERGO Super Top-Up Plan Eligibility Criteria

HDFC ERGO Super Top-Up Plan Inclusions

The various inclusions under the HDFC ERGO Super Top-up Plan include:

HDFC ERGO Super Top-Up Plan Exclusions

The various exclusions under the HDFC ERGO Super Top-up Plan include: