HDFC ERGO Health Insurance Top-up & Super 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.

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]

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]

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.

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.

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.

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

24X7 Support Email: support@insurancedekho.com

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.

[1]https://www.hdfcergo.com/health-insurance/my-health-medisure-super-top-up-insurance/

[2]https://www.hdfcergo.com/documents/crosslink/myhealth_medisure_super_top_up_insurance_brochure.pdf

[3]https://www.insurancedekho.com/

[4]https://www.insurancedekho.com/contact-us