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HDFC ERGO my: Health Medisure Super Top-up Health Insurance

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HDFC ERGO Health Insurance
my: Health Medisure Super Top-up
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

About HDFC ERGO my: Health Medisure Super Top-up Health Insurance

In the past few years, the medical costs have been soaring like never before. This factor has enhanced the significance to comprehend the fact with rising inflation, a health insurance cover of Rs. 2 Lakh or Rs. 3 Lakh may become inadequate in case of a medical procedure or hospitalisation. Even buying a large insurance cover within the current policy either may not be affordable nor available. For such a scenario, HDFC ERGO my: Health Super Top Up Insurance Policy is a perfect choice to opt for. It provides you with top-up health coverage that works alongside your current health insurance policy.

However, you can also own my: Health Medisure Super Top Up Insurance Policy without holding any health insurance plan. For delivering coverage similar to the existing plans of policyholders, this policy owns features such as in-patient hospitalisation costs, pre and post hospitalisation expenses, daycare procedures, and so on. Besides these, the plan is also equipped with benefits like two year policy period, individual and floater sum insured options, no claims experience loading on renewal, etc. This plan offers coverage to people from 91 days until the age of 65 years without any medical tests for people up to the age of 55 years.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation cover
  • Pre and post hospitalisation cost
  • Coverage for daycare procedures
  • Availability lifetime renewability option
  • No medical tests up to the age of 55 years

What's Not Included

  • Treatment of intentional or self-injury
  • Plastic surgery or cosmetic surgery cost
  • Treatment of obesity and weight control program 
  • Unproven or experimental treatments 
  • Treatment-related to pregnancy, miscarriage, etc.

9552 HDFC ERGO Cashless Network Hospitals in India

Choose HDFC ERGO Critical Illness Plan

my: Health Medisure Super Top-up User Reviews

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What users are saying
  • All
  • Variety of plans

    There are a variety of plans available on the InsuranceDekho website. I chose the HDFC ERGO My Health Medisure super top-up health insurance plan. The plan is super amazing and satisfies all my requirements well. All those looking for a health insurance plan must go with this plan 

    S
    By Sanchi Gupta
    On: Feb 24, 2022
  • Awesome first impression

    I came across InsuranceDekho while looking for a health top-up plan for my HDFC Ergo General Insurance. The organisation, relevance of information and smooth run time made the first impression an awesome one. I bought my:Health Medisure Super Top-up plan. 

    N
    By Nipa Samanta
    On: Mar 02, 2021
  • Good additional plan

    my: Health Medisure Super Top Up is great because it works along with a current health insurance policy. I found this plan on insurancedekho team’s recommendation. This plan is easy to purchase and comes at a low premium rate. I am covered for many expenses like in-patient hospitalisation costs, pre and post hospitalisation expenses, daycare procedures, and others so i am satisfied.  

    K
    By Kavita Rani
    On: Feb 24, 2020
  • Superb super top up

    I was looking for one of the best ways to increase my insurance cover limit. Thankfully, i found this plan. Finally i have increased my cover limit without buying a new health insurance plan. This top up has covered most of my expenses at a low premium rate. 

    L
    By Lalit Jha
    On: Feb 19, 2020
  • Money worth it

    my: Health Medisure Super Top-up is a great cover in my opinion. It gives you cover for inpatient hospitalisation, pre & post hospitalisation, daycare procedures, hospitalisation expenses with no sub-limits, expenses incurred on pre-existing diseases and much more. Overall, you pay a very less price for coverage enhancement.    

    L
    By Lekikha
    On: Feb 12, 2020

HDFC ERGO my: Health Medisure Super Top-up Expert Review

  • Expert Review

    This my: Health Medisure Super Top Up Insurance Policy is designed with the thought that a little extra is all you need for an extra health cover. With this plan, people can get the monetary assistance in the hour of need and can get smooth medical treatment without letting any financial pressure sink in. Anyone looking for a top-up plan that can support them during the period when their existing plan fails to offer them insurance services can be benefitted with this plan of the sum insured ranging from Rs. 3 Lakh to Rs. 20 Lakh.
     
    The minimum age of coverage offered under my: Health Medisure Super Top Up Insurance Policy is 91 days. Although, the maximum entry age allowed under this plan is 65 years, which extends it to lifelong with the lifetime renewability option. It can be utilised on both individual and family floater basis. The plan owns some beneficial elements as well, where people are not required to undergo any medical test up to the age of 55 years and can avail a 5% discount on the total premium amount on opting for a 2 year policy.  

  • Major Attractions

    The my: Health Medisure Super Top Up Insurance Policy enters to rescue you when your existing and old policy break down or gets exhausted amid any medical emergency. Apart from owning an extensive range of features, this plan offers a lot of coverage benefits as well that attracts the customers to opt for this plan or stay with it. Following are some major and attractive elements of this plan:

    • In-patient hospitalisation costs
    • Pre and post hospitalisation expenses
    • Availability of several daycare procedures
    • The option of lifelong renewability is offered
    • No medical tests required up to the age of 55 years
    • Cover for hospitalisation expenses with no sub-limits
    • Coverage for expenses incurred on pre-existing diseases
    • No enhancement of premium on making a claim in the policy year
  • What’s More?

    In addition to diverse feature offerings, some more components are also there under this my: Health Medisure Super Top Up Insurance Policy, that can increase its value among the policyholders. Some of which are as follows:

    • Free-look period of 15 days offered under this plan
    • A discount of 5% is offered on opting for a two-year policy
    • Tax exemption on the premium paid under Section 80D of the IT Act
  • Conclusion

    The my: Health Medisure Super Top Up Insurance Policy is a plan that comes up with the best possible assistance in need. Apart from offering much, getting coverage under this plan is also quite easy, where it doesn’t require its applicants up to 55 years of age to undergo any kind of medical checkup for plan purchase. 
     
    Buying this plan or any other health insurance policy online is always considered better. InsuranceDekho is the best online platform to purchase this plan. Opting this policy through insurancedekho.com can get you easy claim settlement, regular on-call support, and so on.

HDFC ERGO my: Health Medisure Super Top-up Brochure

  • 210.44 KB
  • PDF Document
  • Nov 04, 2019

Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on my: Health Medisure Super Top-up Health Insurance Plan

  • What are the sum insured and deductible options available under this my: Health Medisure Super Top Up Insurance Policy?

    The my: Health Medisure Super Top Up Insurance Policy offers the sum insured options on an individual and family floater basis. The SI ranges between Rs. 3 Lakh to Rs. 20 Lakh while the deducible ranges from Rs. 2 Lakh to Rs. 5 Lakh.

  • What are the entry and exit age applicable under this plan?

    With this policy, one can be insured from the age of 18 years to 65 years. You can insure your children from the age of 91 days to the age of 23 years. 

  • What are the relations that can get the coverage under this top-up policy?

    The plan allows the coverage for many relations such as a spouse, children, dependent parents, dependent parents-in-law, sister, brother, grandparents, grandchild, son and daughter-in-law, nephew and niece.

  • Do I need to go through any medical test to enter my: Health Medisure Super Top Up Insurance Policy?

    No, you are not required to undergo any medical tests up to the age of 55 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy.

  • Does this top-up health insurance plan offer lifetime renewability?

    Yes, you can renew your policy throughout your lifetime, provided we have received your application for renewal and the renewal premium before the due date or within a maximum of 30 days from such date. No claims will be payable during this gap period of 30 days. 

  • Is there any discount offered for purchasing a policy for the long term?

    Yes, if you buy a policy for a continuous period of 2 years, you can avail a 5% discount on the total premium amount. 

  • What are expenses covered under the in-patient hospitalisation feature?

    If any of your treatment of an illness or accidental injury is undertaken in a hospital, we cover the medical expenses incurred by you towards your hospitalisation on room rent or on ICU or therapeutic unit, medical practitioner fees, anaesthetist fees, nurse fees, blood, oxygen and anaesthesia.

  • When can my expenses incurred on pre-existing diseases get covered?

    The policy covers expenses incurred for the treatment of diseases that you have before taking the policy will be covered only after 3 continuous renewals.

  • How can I cancel my: Health Medisure Super Top Up Insurance Policy?

    In case you wish to cancel this plan, you may intimate us by giving 15 days notice in writing, and we will refund the premium for the unexpired term as per the short period scale specified under the plan. If cancellation is done before completion of 1 year under 2 year policy, the same grid as of 1 year policy is applicable on the first-year premium, while the second year premium will be completely refunded. On the other hand, if cancellation is made after completion of 1 year, the 1 year policy grid will be applicable for the first year, and retention premium on the second-year premium will be calculated on annual premium without long term policy discount.

  • Can I gain any tax benefit under this health insurance plan?

    Yes, you can earn tax benefit under section 80D of the Income Tax Act. 

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