HDFC ERGO my: Health Medisure Super Top-up Health Insurance
Cashless Approval TAT | Within 37 mins |
Claim Settlement Ratio | 99.80% |
Network Hospitals | 13,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X 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.
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HDFC ERGO my: Health Medisure Super Top-up Expert Review
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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
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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
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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.
Claim Process at HDFC ERGO Health Insurance
FAQs on my: Health Medisure Super Top-up Health Insurance Plan
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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.
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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.
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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.
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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.