Insurance Plans Comparison
HDFC ERGO myHealth Medisure Super Top-up vs Care Supreme Enhance Two
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth 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
VS
Supreme Enhance Two
Super top-up health insurance with unlimited automatic recharge, cumulative bonus and an optional Unlimited Care benefit.
What Makes It Special:
Care Supreme Enhance Plan 2 is a high-deductible super top-up health insurance option designed to supplement existing medical coverage. It offers eligible hospitalisation benefits, unlimited automatic recharge and a cumulative bonus of up to 100%. Plan 2 also makes available the Unlimited Care benefit and air ambulance cover under their...
Best For:
Wellness perks and rewards with your policy
Daycare and full hospitalization benefits
Nationwide cashless hospitalization
Higher medical coverage with value-for-money premiums
Insurance Plans Comparison
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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
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.
You want customizable add-ons for stronger family security
You want health rewards and wellness benefits included
You want all-round protection including daycare and post-hospitalization
You want cashless access to top hospitals across India.
You want superior coverage with higher sum insured
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() myHealth Medisure Super Top-up Health Insurance Plan VS VS |
Supreme Enhance Two Health Insurance Plan |
| Room Rent |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Supreme Enhance Two
|
| ICU Charges |
|---|
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
VS VS |
Supreme Enhance Two No restriction on ICU room rent |
| Advanced Treatments |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Supreme Enhance Two
|
| Co-payment |
|---|
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. |
VS VS |
Supreme Enhance Two Only applicable for people above the age of 61. |
| Disease-wise sublimits |
|---|
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 |
VS VS |
Supreme Enhance Two No |
| Cashless Healthcare Providers |
|---|
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
VS VS |
Supreme Enhance Two 24800+ network hospitals across India. |
| Restoration Benefit |
|---|
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 |
VS VS |
Supreme Enhance Two Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
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% |
VS VS |
Supreme Enhance Two Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
myHealth Medisure Super Top-up Covered by the policy. |
VS VS |
Supreme Enhance Two Covered under the policy |
| Consumable Cover |
|---|
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 |
VS VS |
Supreme Enhance Two Yes |
| AYUSH Treatment |
|---|
myHealth Medisure Super Top-up Covered in the policy. |
VS VS |
Supreme Enhance Two AYUSH treatment covered under this policy |
| Initial Waiting Period |
|---|
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
VS VS |
Supreme Enhance Two 30 days |
| Specific Waiting Period |
|---|
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
VS VS |
Supreme Enhance Two 2 years |
| PED Waiting Period |
|---|
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
VS VS |
Supreme Enhance Two 3 years |
| Modern Treatment |
|---|
myHealth Medisure Super Top-up Not specified |
VS VS |
Supreme Enhance Two Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
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 |
VS VS |
Supreme Enhance Two Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
myHealth Medisure Super Top-up Information Unavailable |
VS VS |
Supreme Enhance Two You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
myHealth Medisure Super Top-up 180 days after discharge |
VS VS |
Supreme Enhance Two You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Medisure Super Top-up Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover |
VS VS |
Supreme Enhance Two OPD expense is not included |
| Deductible Option |
|---|
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 |
VS VS |
Supreme Enhance Two Available |
| Coverage Options |
|---|
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
VS VS |
Supreme Enhance Two Available coverage options: 20L to 1cr |
| Claim Settlement Ratio |
|---|
myHealth Medisure Super Top-up 97.43% |
VS VS |
Supreme Enhance Two 96% |
| Maternity Cover |
|---|
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
VS VS |
Supreme Enhance Two Not available |
Insurance Plans Comparison
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