Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

HDFC ERGO Health Insurance Top-up & Super Top-up Plans

Customers who require additional medical expense coverage choose a top-up package. However, this plan takes effect once the initial set deductible has been paid in full. Note that the plan has a different deductible. It is not required to have a base policy to acquire a top-up; however, if you do not have a base policy to help you with your medical expenses, you will have to pay the charges up to the deductible amount out of your pocket to activate your top-up.

My health: Medisure Super Top-Up Health Insurance Plan is a super top-up plan offered by HDFC Ergo Health Insurance that gives additional financial protection and safety to customers. A super top-up plan offers clients additional coverage for medical expenses.[1]

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Health Insurance Plan List

  • Individual (1)
  • Family (2)
  • Woman (2)
  • Parents (2)
  • Blood Pressure (2)
  • Kids (2)
  • Thyroid (2)
  • Diabetes (2)
  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital


    Starting From 1,312/month*

Benefits of HDFC Ergo Health Top-up Plans

The advantages of acquiring an HDFC Ergo Top-Up Plan are as follows:[1][2]

  • Pay Less Get More: Choose a two-year coverage and save 5% on your premium. If the customer wants to insure their family with more than two members on an individual sum-insured basis, they can get a 10% discount.
  • Cost Effectiveness: A top-up plan with lower premiums and better coverage is less expensive than a basic plan with a larger sum insured. It provides the best benefits and supports in your savings.
  • Additional Security: A top-up policy will protect you during challenging financial circumstances when basic coverage may be insufficient. If you have long-term medical conditions that surpass your coverage limit, you can cross a deductible amount and receive coverage through a top-up.
  • No Health Check-Ups till Age 55: Customers under the age of 55 do not need to undergo pre-medical screenings when acquiring this plan, which simplifies the procedure for them. This convenience makes using the plan easier and more efficient, especially for those in the stated age group.
  • Constant Premium from Age 61: Make your senior age more comfortable and hassle-free with HDFC ERGO's health insurance. Pay consistent premiums after 61 years and enjoy one of the best health insurance coverage.
  • Binds the Family in One Secure Bond: HDFC Ergo Health Insurance recognizes that the list of loved ones is extensive. That is why this HDFC ergo health insurance policy is comprehensive and covers your parents, in-laws, nieces, nephews, spouse, and children.

Eligibility For Buying a Top-Up Plan

The eligibility criteria for a Top-Up may differ according to the insurer and the health plans selected. However, HDFC Ergo Health Insurance provides a top-up benefit to persons aged 18 to 65 years old. This plan has the advantage of eliminating the need for pre-screening and pre-medical check-ups for the consumer till the age of 55 years. The Top-Up plan from HDFC Ergo Health additionally offers policyholders the option to renew their coverage for the rest of their lives.

To be eligible for the family floater plan, the child's age must be between 91 days and 23 years old.[2]

Types of Top-Up Plans Offered By HDFC Ergo

There are two types of top-up plans available:

  1. Top-Up
  2. Super Top-Up.

Once the deductible is hit during a hospital stay, the Top-Up Plan will only pay out on one claim per insurance year. A Super Top-Up plan, on the other hand, pays many claims throughout the policy year after the deductible has been met.

HDFC Ergo Health provides customers with incredible top-up plans, such as the HDFC Ergo My Health: Medisure Super Top-Up Plan.[2]



Inpatient care

Pre-existing Diseases (till the waiting period is over)

Pre hospitalisation


Post Hospitalisation

Change of Gender Treatments

Daycare procedures

Adventure Sports

Pre-existing diseases

Breach of Law

Lifelong Renewability

Unproven Treatments

Emergency Ambulance Charges

Infertility or Sterility

Modern Treatment

Cosmetic Surgery

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

HDFC ERGO Health Insurance Plan List

  • Family (3)
  • Individual (4)
  • Cancer (1)
  • Critical Illness (2)
  • Diabetes (1)
  • Parents (1)
  • Senior Citizen (1)
Name of PlanSum Insured
Optima SecureMin: 91 Days, Max: 65 Years Check Premium
Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Check Premium
my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years1 Lakh - 50 Lakh Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years Check Premium
iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Check Premium
Health WalletMin: 91 Days; Max: 65 Years3 Lakh Check Premium
EnergyMin: 18 Years, Max: 65 Years2 Lakh Check Premium
Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Check Premium

Factors to Consider While Choosing a Top-Up Plan

The following are factors to think about when purchasing a Top-Up Plan:

  • Sufficient Benefit: When selecting a top-up plan, it is critical to consider whether the benefits will meet the demands of the consumer. If an insurer's plan does not adequately meet your needs, there is no use in paying a premium. It is crucial to understand your needs and then develop the best plan for you. It is critical to ensure that the top-up plan meets all of your demands and concerns.
  • Deductible: The deductible on Health insurance amount is the most important parameter to consider when purchasing a top-up plan because it will only become active if the deductible is met. When they realize that the premium reduces as the deductible increases, most customers only consider top-up coverage. Nonetheless, selecting a deductible is critical and should be done per the customer's base insurance, medical needs, and budget.
  • Coverage: The coverage of each plan differs depending on several things. Customers who are concerned about issues other than the age limit on individual and family floater plans can acquire a senior citizen plan, an individual plan if they are single, or a family floater plan if they are married. A customer's needs and medical circumstances may determine which plan they select.
  • Pre-existing Disease Coverage: Pre-existing conditions are generally not covered by a basic policy, which can be rather expensive without assistance. A top-up provides that support. Pre-existing disease coverage, on the other hand, must be renewed or subject to a waiting period.
  • Sub Limits: Lower sub limits are better for customers. Many plans contain additional sublimits, like co-payments, hotel charges, physician fees, and so on, which might be costly for an individual to pay out of pocket. When purchasing a plan, it is critical to understand its terms and limitations. Always consider top-up plans that have finite sub-limits.

How to Buy an HDFC Ergo Health Top-up Plan with InsuranceDekho

Offline Process: Contact an InsuranceDekho expert to get a My Health: Medisure Super Top-Up Plan. To make things easier for customers, InsuranceDekho provides in-house help, in which an advisor visits the customer's home and goes over the plan and procedure.

How to Renew Your Top-Up Plan

Follow the steps outlined below to renew your Top-Up plan:[3]

Step 1: Go to the InsuranceDekho website.

Step 2: Choose the "Support" tab.

Step 3: Enter your cell phone number to receive an OTP.

Step 4: Log into your My Health: Medisure Super Top-Up page using the OTP you received.

Step 5: Select "renew" to begin the renewal process.

Step 6: Complete the payment and renewal procedure.

Note: The official HDFC Ergo Health website also allows you to renew the top-up plan.

Contact Information

HDFC Ergo Customer Support team contact information for any query is mentioned below:

24X7 Support Email:

Helpline number: 7551196989 [4]


Ques 1. Which is preferable: super top-up or top-up?

Ans: A top-up plan has a lower premium than a super top-up plan. However, the super top-up plan provides greater coverage than the top-up plan. Thus, a customer's requirements may impact the choice of a specific top plan.

Ques 2. How long does the waiting period for a super top-up plan last?

Ans: After a 30-day waiting period, a policyholder can acquire coverage through a super top-up plan.

Ques 3. Why do top-up plans have lower fees?

Ans: Top-up plans are less expensive because the deductible is payable for each claim the policyholder makes.

Ques 4. Is it possible to get a super top-up without a basic policy?

Ans: A super top-up can be purchased without a basic policy. However, having a basic health insurance policy is preferable because it pays the entire amount until the deductible is met. If you do not have basic insurance, you will have to pay the entire amount out of pocket until your super top-up policy's deductible is met.

Ques 5. What does a top-up plan's deductible entail?

Ans: The amount you have to pay for medical expenditures out of pocket or through your base coverage is referred to as your deductible. The coverage under the top-up plan does not begin until the deductible is met.

Ques 6. What distinguishes a top-up plan from a basic one?

Ans: Base insurance pays claims up to the insured amount. A top-up policy provides additional coverage once the policyholder reaches a limit or deductible amount.

Ques 7. At what age can you acquire a super top-up plan?

Ans: The plan can be purchased as a family floater insurance or an individual policy. The age range for people other than the policyholder under the family floater is 91 days to 65 years, whereas it is 18 to 65 years under individual insurance.

Ques 8. Can you transfer a super top-up for us?

Ans: Yes, a super top-up plan is portable. You can only transfer insurance of the same type and category, however.

Ques 9. What drawbacks could a top-up plan have?

Ans: Some disadvantages of a super top-up plan include more complicated claim settlement than with a basic policy, lack of coverage for routine health check-ups under super top-up plans, and potential financial hardship for consumers without base insurance.

Ques 10. Are top-up and super-top-up plans available to buy?

Ans: If one of your policies has a low deductible, you can buy both top-up and super top-up plans to help you acquire coverage for a claim.






Health Insurance News

User Reviews

Write your review
What users are saying
  • All
  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Fast and easy process

    Needed health insurance pronto. InsuranceDekho's comparison tool saved me loads of time. Found a plan that fit my needs and budget perfectly. HDFC Ergo helped during the most crucial times.

    By Satakshi Soni
    On: May 29, 2024
  • Customer care assistance while...

    In all honesty, my choice of HDFC Optima Secure Health Insurance proved to be a lifesaver. It provided me with immediate assistance by paying for my unforeseen hospital bills. The procedure went smoothly, and InsuranceDekho's assistance was first-rate. I urge everyone to purchase it!

    By Kanishka Gupta
    On: May 21, 2024
  • Perfect Policy

    HDFC ERGO Health Insurance Plan is the most suitable health insurance policy. I learned about this health insurance plan during my online search at InsuranceDekho’s website. It comes at an affordable premium. I bought it without any delay. Recommend this health policy to everyone! Thank You

    By Simrat Kaur
    On: Apr 02, 2024
  • Affordable Policy

    My HDFC ERGO Health Insurance Plan is an affordable policy that covers me for major healthcare expenses. I bought the health policy after discussing my requirements with the experts at InsuranceDekho and I am thankful to the customer support team for suggesting me the best health insurance policy. Thank You!

    By Manoj Kumar
    On: Mar 21, 2024
  • Compared all the plans easily

    I visited the website of InsuranceDekho, where I compared so many health insurance plans and policies. The comparison is very easy as there is a feature on the website which compares the price itself. I was totally satisfied with it and purchased the HDFC ERGO Health Insurance Plan.

    By Ashutosh Yadav
    On: Mar 19, 2024

Network Hospital in Popular Cities

CityNo of Hospital
View All