Hdfc Ergo Medisure Super Top Up Policy And Plan
HDFC ERGO
Highlighted Features
Room Rent and ICU limits
The HDFC ERGO My Health Suraksha plan offers unlimited room rent coverage, including ICU, ensuring complete financial protection and flexibility.
Day Care Treatments
The policy covers specified day care treatments up to the sum insured, including procedures requiring less than 24 hours of hospitalization
Brochure
Explore more features
Our Verdict
The HDFC ERGO MyHealth Medisure Super Top-Up Plan offers cost-effective extended coverage for high medical bills. Ideal for individuals and families with existing health insurance seeking additional financial protection.
About the Plan
The HDFC ERGO MyHealth Medisure Super Top-Up Insurance Plan is designed to enhance your existing health coverage with an affordable solution for high medical expenses. This plan offers additional coverage beyond a predefined deductible, making it an excellent choice for managing unexpected healthcare costs. It provides comprehensive benefits, including hospitalization coverage, pre- and post-hospitalization expenses, and daycare procedures. With high sum insured options, it helps bridge the gap left by base health policies. Features like cashless claims across a wide hospital network and tax benefits under Section 80D add further value. This plan ensures financial peace of mind while keeping premiums economical, making it ideal for individuals and families seeking extra health protection.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Single A/C private room
ICU: no limit, expenses incurred will be covered by the insurance
Advanced Treatments
Robotic surgeries for precise, minimally invasive procedures.
Bariatric surgery for obesity management (as per policy terms).
Modern cancer treatments like immunotherapy and targeted therapy.
Stem cell therapy (for approved conditions).
Proton beam therapy for advanced cancer care.
Advanced cardiac procedures including transplants and minimally invasive heart surgeries.
Co-payment
The HDFC My: Health Medisure Super Top-Up Plan has a co-payment clause of 10% for individuals aged 61 years and above at the time of policy purchase.
Waiting Periods
Initial Waiting Period: 30 days from the policy's inception, applicable to all illnesses except those resulting from accidents.
Specific Diseases and Treatments: 24 months for certain listed illnesses and surgical procedures.
Pre-existing Diseases: 36 months before coverage begins for any pre-existing conditions declared at the time of policy purchase.
Cashless Healthcare Providers
16,000+ Healthcare providers.
Day Care Treatments
Covered by the policy.
AYUSH Treatment
Covered in the policy.
Exclusions
Pre-existing diseases are excluded until 36 months of continuous coverage have elapsed since the policy's inception.
Any illness contracted within the first 30 days from the policy commencement date is excluded, except for claims arising due to an accident.
Specific treatments and conditions, such as cataract, hysterectomy (other than for malignancy), knee replacement surgery (unless caused by an accident), and others, are excluded for the first 24 months of continuous coverage.
Expenses related to diagnostic and evaluation purposes without any treatment are excluded.
Expenses for rest cures, rehabilitation, and respite care are not covered.
Exclusions
my:health Critical Illness Add-on - Provides a lump-sum payout upon diagnosis of any of the 51 specified critical illnesses, with sum insured options ranging from ₹1 lakh to ₹500 lakh.
my:health Hospital Cash Benefit Add-on - Offers a fixed daily cash benefit for each continuous and completed 24 hours of hospitalization due to illness or injury, with per day sum insured options of ₹500 to ₹10,000.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
HDFC ERGO, a subsidiary of HDFC Bank, offers a comprehensive range of general insurance products, including motor, health, travel, home, and personal accident insurance for individuals, as well as property, marine, and liability coverage for businesses. HDFC ERGO Health Insurance is committed to providing financial protection during medical emergencies, offering a wide range of health insurance plans. With a focus on seamless claims settlement, the company settles a claim every minute*, ensuring prompt and reliable service. Trusted by over 1.6 crore customers, HDFC ERGO’s plans include benefits like cashless hospitalization, outpatient department (OPD) coverage, daily cash allowances, and diagnostic cost coverage. The my:Optima Secure plan offers enhanced coverage at no extra cost.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Comprehensive Guide to HDFC ERGO Health Insurance Plans
Explore the benefits of HDFC ERGO health plans, offering comprehensive coverage, flexible options, and added perks to suit your healthcare needs and budget.
Health Insurance Plans Offered by HDFC Ergo
HDFC Ergo provides a range of health insurance plans, including options for individuals, families, seniors, and critical illnesses. Discover plans with lifetime renewability and high claim settlement.