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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...

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HDFC ERGO

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

VS
Care

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

Get Personalized Advice

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
myHealth Medisure Super Top-up

Health Insurance Plan

Brochure

VS
Supreme Enhance Two
Supreme Enhance Two

Health Insurance Plan

Room Rent

myHealth Medisure Super Top-up

  1. Normal: Single A/C private room
  2. ICU: no limit, expenses incurred will be covered by the insurance
VS

Supreme Enhance Two

  1. Normal: Single private room
  2. ICU: No Limit
ICU Charges

myHealth Medisure Super Top-up

Covered within medical expenses; no separate ICU limit stated

VS

Supreme Enhance Two

No restriction on ICU room rent

Advanced Treatments

myHealth Medisure Super Top-up

  1. Robotic surgeries for precise, minimally invasive procedures.
  2. Bariatric surgery for obesity management (as per policy terms).
  3. Modern cancer treatments like immunotherapy and targeted therapy.
  4. Stem cell therapy (for approved conditions).
  5. Proton beam therapy for advanced cancer care.
  6. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.
VS

Supreme Enhance Two

  1. Robotic Surgery
  2. Proton Beam Therapy
  3. Cyber Knife Treatment
  4. Stem Cell Therapy 
  5. Targeted and Immunotherapy 
  6. Artificial Organs & Implants
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

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

Supreme Enhance Two

No

Cashless Healthcare Providers

myHealth Medisure Super Top-up

16,000+ Healthcare providers.

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

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

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

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

Supreme Enhance Two

Yes

AYUSH Treatment

myHealth Medisure Super Top-up

 Covered in the policy.

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

Supreme Enhance Two

30 days

Specific Waiting Period

myHealth Medisure Super Top-up

24 months for specified illnesses and surgical procedures

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

Supreme Enhance Two

3 years

Modern Treatment

myHealth Medisure Super Top-up

Not specified

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

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

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

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

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

Supreme Enhance Two

Available

Coverage Options

myHealth Medisure Super Top-up

Individual sum insured or floater sum insured

VS

Supreme Enhance Two

Available coverage options: 20L to 1cr

Claim Settlement Ratio

myHealth Medisure Super Top-up

97.43%

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

Supreme Enhance Two

Not available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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Myhealth Medisure Super Top Up Vs Supreme Enhance Two

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