Insurance Plans Comparison
Care Plus Youth vs HDFC ERGO myHealth Medisure Super Top-up
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read morePlus Youth
Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.
What Makes It Special:
Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.
Best For:
Couples or families considering optional maternity and newborn cover.
Individuals looking for automatic recharge and a no-claim bonus.
Customers who value OPD consultations and dental and eye treatment benefits.
People who want hospitalisation and eligible daycare treatment cover.
Young adults looking to buy individual health insurance early.
VS
myHealth Medisure Super Top-up
A super top-up that pays eligible hospitalisation costs only after your aggregate deductible is met, with no sub-limit on room rent or ICU and cover for day care procedures.
What Makes It Special:
my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...
Best For:
Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions
Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further
Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement
Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews
Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures
Insurance Plans Comparison
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Quick Decision Guide
If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.
Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.
Review room-rent and ICU limits based on your chosen sum insured.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.
Choose a sum insured that suits your healthcare needs and budget.
The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.
Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.
If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.
The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.
Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Plus Youth Health Insurance Plan VS VS |
![]() myHealth Medisure Super Top-up Health Insurance Plan |
| Room Rent |
|---|
Plus Youth For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room. |
VS VS |
myHealth Medisure Super Top-up
|
| ICU Charges |
|---|
Plus Youth For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit. |
VS VS |
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
| Advanced Treatments |
|---|
Plus Youth Information Unavailable |
VS VS |
myHealth Medisure Super Top-up
|
| Co-payment |
|---|
Plus Youth The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option. |
VS VS |
myHealth Medisure Super Top-up 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. |
| Disease-wise sublimits |
|---|
Plus Youth Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions. |
VS VS |
myHealth Medisure Super Top-up Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits |
| Cashless Healthcare Providers |
|---|
Plus Youth Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number. |
VS VS |
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
| Restoration Benefit |
|---|
Plus Youth Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions. |
VS VS |
myHealth Medisure Super Top-up Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted |
| Cumulative Bonus |
|---|
Plus Youth No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms. |
VS VS |
myHealth Medisure Super Top-up 10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100% |
| Daycare Treatment |
|---|
Plus Youth All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions. |
VS VS |
myHealth Medisure Super Top-up Covered by the policy. |
| Consumable Cover |
|---|
Plus Youth A separate comprehensive consumables benefit is not specified in the uploaded brochure. |
VS VS |
myHealth Medisure Super Top-up Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section |
| AYUSH Treatment |
|---|
Plus Youth Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording. |
VS VS |
myHealth Medisure Super Top-up Covered in the policy. |
| Initial Waiting Period |
|---|
Plus Youth 30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure. |
VS VS |
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
| Specific Waiting Period |
|---|
Plus Youth 24 months for named ailments and procedures, subject to the policy wording and applicable exclusions. |
VS VS |
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
| PED Waiting Period |
|---|
Plus Youth 36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms. |
VS VS |
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
| Modern Treatment |
|---|
Plus Youth Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions. |
VS VS |
myHealth Medisure Super Top-up Not specified |
| Annual Health Checkup |
|---|
Plus Youth Available for adult insured members, subject to the applicable policy terms. |
VS VS |
myHealth Medisure Super Top-up Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary |
| Pre-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured. |
VS VS |
myHealth Medisure Super Top-up Information Unavailable |
| Post-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured. |
VS VS |
myHealth Medisure Super Top-up 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
Plus Youth Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation. |
VS VS |
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover |
| Deductible Option |
|---|
Plus Youth No deductible option is listed in the uploaded brochure’s optional-benefit section. |
VS VS |
myHealth Medisure Super Top-up Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound |
| Coverage Options |
|---|
Plus Youth Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations. |
VS VS |
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
| Claim Settlement Ratio |
|---|
Plus Youth This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one. |
VS VS |
myHealth Medisure Super Top-up 97.43% |
| Maternity Cover |
|---|
Plus Youth Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions. |
VS VS |
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
Insurance Plans Comparison
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