Insurance Plans Comparison
HDFC ERGO myHealth Medisure Super Top-up vs Care Advantage
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
Advantage
Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
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 flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
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 |
Advantage Health Insurance Plan |
| Room Rent |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Advantage All room categories are covered |
| ICU Charges |
|---|
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
VS VS |
Advantage No restriction on ICU room rent |
| Advanced Treatments |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Advantage Information Unavailable |
| 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 |
Advantage Available as an option |
| 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 |
Advantage No |
| Cashless Healthcare Providers |
|---|
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
VS VS |
Advantage 21700+ Healthcare Providers |
| 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 |
Advantage 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 |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| Daycare Treatment |
|---|
myHealth Medisure Super Top-up Covered by the policy. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| 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 |
Advantage No. However, available as an add-on |
| AYUSH Treatment |
|---|
myHealth Medisure Super Top-up Covered in the policy. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
VS VS |
Advantage 2 years |
| PED Waiting Period |
|---|
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
VS VS |
Advantage 3 years |
| Modern Treatment |
|---|
myHealth Medisure Super Top-up Not specified |
VS VS |
Advantage 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 |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
myHealth Medisure Super Top-up Information Unavailable |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
myHealth Medisure Super Top-up 180 days after discharge |
VS VS |
Advantage You get cover for medical bills up to 60 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 |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| 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 |
Advantage Available as an option |
| Coverage Options |
|---|
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
myHealth Medisure Super Top-up 97.43% |
VS VS |
Advantage 96% |
| Maternity Cover |
|---|
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
VS VS |
Advantage Not available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
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
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
myHealth Medisure Super Top-up vs Supreme Senior Premium
myHealth Medisure Super Top-up vs Energy Silver Without Copay
myHealth Medisure Super Top-up vs Ultimate
myHealth Medisure Super Top-up vs EquiCover
myHealth Medisure Super Top-up vs Optima Secure
myHealth Medisure Super Top-up vs Super Mediclaim
myHealth Medisure Super Top-up vs Critical Illness Platinum Plan
myHealth Medisure Super Top-up vs Health Recharge
myHealth Medisure Super Top-up vs Optima Secure Plus
myHealth Medisure Super Top-up vs Cancer Cover Activ Cancer Secure Plan
myHealth Medisure Super Top-up vs Optima Secure Global Plus
myHealth Medisure Super Top-up vs LifeTime Health Global
myHealth Medisure Super Top-up vs Women Care
myHealth Medisure Super Top-up vs Aspire Diamond+
myHealth Medisure Super Top-up vs Activate Booster Plan A
myHealth Medisure Super Top-up vs Health Super Saver Standard
myHealth Medisure Super Top-up vs Active Care Premier
myHealth Medisure Super Top-up vs ProHealth Accumulate
myHealth Medisure Super Top-up vs Supreme Shine
myHealth Medisure Super Top-up vs Health Cardiac Care Silver & Gold Plan
myHealth Medisure Super Top-up vs myHealth Suraksha Gold
myHealth Medisure Super Top-up vs Elder Care
myHealth Medisure Super Top-up vs Young Star Gold
myHealth Medisure Super Top-up vs Assure
myHealth Medisure Super Top-up vs Active Fit Plus
myHealth Medisure Super Top-up vs Cancer Care Platinum
myHealth Medisure Super Top-up vs OneHealth Premium
myHealth Medisure Super Top-up vs Optima Lite
myHealth Medisure Super Top-up vs ProHealth Prime Protect
myHealth Medisure Super Top-up vs Medicare Plus
myHealth Medisure Super Top-up vs Activ Health Platinum Essential
myHealth Medisure Super Top-up vs Medicare Senior
myHealth Medisure Super Top-up vs Enhance Super Top-up Two
myHealth Medisure Super Top-up vs Reassure 3.0
myHealth Medisure Super Top-up vs Medicare Protect
myHealth Medisure Super Top-up vs Activ One SAVR
myHealth Medisure Super Top-up vs Active Assure Diamond
myHealth Medisure Super Top-up vs Activ One VIP
myHealth Medisure Super Top-up vs Health Pulse Classic
myHealth Medisure Super Top-up vs Advantage
myHealth Medisure Super Top-up vs Mediclaim Insurance Policy
myHealth Medisure Super Top-up vs Special Care Gold
myHealth Medisure Super Top-up vs Energy Gold Without Copay
myHealth Medisure Super Top-up vs Activ One Max
myHealth Medisure Super Top-up vs Classic
myHealth Medisure Super Top-up vs Activ One Vytl
myHealth Medisure Super Top-up vs Supreme
myHealth Medisure Super Top-up vs Freedom
myHealth Medisure Super Top-up vs Sarvah Pratham
myHealth Medisure Super Top-up vs Joy Today
myHealth Medisure Super Top-up vs Medi Classic
myHealth Medisure Super Top-up vs Activate Booster Plan B
myHealth Medisure Super Top-up vs Aspire Gold+
myHealth Medisure Super Top-up vs Health Gain
myHealth Medisure Super Top-up vs Aspire Platinum+
myHealth Medisure Super Top-up vs Plus Complete
myHealth Medisure Super Top-up vs Reassure 2.0 Platinum+
myHealth Medisure Super Top-up vs Reassure 3.0 Elite
myHealth Medisure Super Top-up vs Enhance Super Top-up One
myHealth Medisure Super Top-up vs Joy Tomorrow
myHealth Medisure Super Top-up vs Reassure 3.0 Select
myHealth Medisure Super Top-up vs Activ One VIP+
myHealth Medisure Super Top-up vs Red Carpet Senior Citizens
myHealth Medisure Super Top-up vs Super Surplus Gold
myHealth Medisure Super Top-up vs Health SuperCharge
myHealth Medisure Super Top-up vs Medicare Premier
myHealth Medisure Super Top-up vs Family Health Optima
myHealth Medisure Super Top-up vs Health Companion Variant 2022
myHealth Medisure Super Top-up vs Health Companion Variant 3
myHealth Medisure Super Top-up vs Plus Youth
myHealth Medisure Super Top-up vs ProHealth Prime Advantage
myHealth Medisure Super Top-up vs Critical Illness Silver Plan
myHealth Medisure Super Top-up vs Health Premia Gold
myHealth Medisure Super Top-up vs Health Premia Platinum
myHealth Medisure Super Top-up vs Comprehensive
myHealth Medisure Super Top-up vs HeartBeat Enhanced
myHealth Medisure Super Top-up vs Reassure
myHealth Medisure Super Top-up vs Health Recharge Super Top Up Plan
myHealth Medisure Super Top-up vs myHealth Suraksha Platinum
myHealth Medisure Super Top-up vs Supreme Value for Money
myHealth Medisure Super Top-up vs Supreme Enhance Two
myHealth Medisure Super Top-up vs Supreme Senior Super
myHealth Medisure Super Top-up vs Supreme Enhance
myHealth Medisure Super Top-up vs Reassure 2.0 Gold
myHealth Medisure Super Top-up vs Active Fit Preferred
myHealth Medisure Super Top-up vs LifeTime Health
myHealth Medisure Super Top-up vs Medicare
myHealth Medisure Super Top-up vs ProHealth Prime Active
myHealth Medisure Super Top-up vs ProHealth Prime Senior Elite
myHealth Medisure Super Top-up vs Advanced Top Up
myHealth Medisure Super Top-up vs Multiplier Health
myHealth Medisure Super Top-up vs Ultimate (Direct)
myHealth Medisure Super Top-up vs Young Star
myHealth Medisure Super Top-up vs Star Women Care Policy
myHealth Medisure Super Top-up vs Family Plus
myHealth Medisure Super Top-up vs Sarvah Param
myHealth Medisure Super Top-up vs Optima Insurance
myHealth Medisure Super Top-up vs Smart Super Health Assure
myHealth Medisure Super Top-up vs Criti Shield Plus
myHealth Medisure Super Top-up vs Health Care Supreme Ultimo
myHealth Medisure Super Top-up vs Health Shield 360 Retail
myHealth Medisure Super Top-up vs Super Star
myHealth Medisure Super Top-up vs Reassure 3.0 Black
myHealth Medisure Super Top-up vs Health Guard Platinum
myHealth Medisure Super Top-up vs Health Guard Gold
myHealth Medisure Super Top-up vs Elevate (Direct)
myHealth Medisure Super Top-up vs Senior First Platinum
myHealth Medisure Super Top-up vs Extra Care Plus Super Top-up
myHealth Medisure Super Top-up vs Health Care Supreme Smart
myHealth Medisure Super Top-up vs Medi Classic Gold
myHealth Medisure Super Top-up vs Smart Health Pro
myHealth Medisure Super Top-up vs Optima Super Secure
myHealth Medisure Super Top-up vs Special Care
myHealth Medisure Super Top-up vs Optima Secure Global
myHealth Medisure Super Top-up vs Medicare LITE
myHealth Medisure Super Top-up vs Health Shield 360
myHealth Medisure Super Top-up vs NextGen
myHealth Medisure Super Top-up vs SecureHealth
myHealth Medisure Super Top-up vs Energy Silver With Copay
myHealth Medisure Super Top-up vs Supreme (Direct)
myHealth Medisure Super Top-up vs Plus
myHealth Medisure Super Top-up vs Medicare Select
myHealth Medisure Super Top-up vs myHealth Koti Suraksha
myHealth Medisure Super Top-up vs Senior
myHealth Medisure Super Top-up vs myHealth Suraksha Silver
myHealth Medisure Super Top-up vs Cardiac Care Platinum
myHealth Medisure Super Top-up vs Royal Sundaram Lifeline Elite
myHealth Medisure Super Top-up vs HeartBeat Platinum
myHealth Medisure Super Top-up vs Supreme Enhance One
myHealth Medisure Super Top-up vs HeartBeat Gold
myHealth Medisure Super Top-up vs Aspire Titanium+
myHealth Medisure Super Top-up vs iHealth Plus
myHealth Medisure Super Top-up vs Reassure 3.0 Classic
myHealth Medisure Super Top-up vs Senior Health Advantage
myHealth Medisure Super Top-up vs Health Wallet
myHealth Medisure Super Top-up vs Elevate
myHealth Medisure Super Top-up vs Heart
myHealth Medisure Super Top-up vs Reassure 2.0 Titanium+
myHealth Medisure Super Top-up vs Diabetes Safe Plan A
myHealth Medisure Super Top-up vs Reassure 2.0 Bronze+
myHealth Medisure Super Top-up vs Young Star Silver
myHealth Medisure Super Top-up vs Enhance Super Top-up
myHealth Medisure Super Top-up vs Joy
myHealth Medisure Super Top-up vs Supreme Senior Health AdvantEdge
myHealth Medisure Super Top-up vs Supreme Super Saver
myHealth Medisure Super Top-up vs Health Insurance Platinum
Advantage vs Supreme Senior Premium
Advantage vs Energy Silver Without Copay
Advantage vs Ultimate
Advantage vs EquiCover
Advantage vs Optima Secure
Advantage vs Super Mediclaim
Advantage vs Critical Illness Platinum Plan
Advantage vs Health Recharge
Advantage vs Optima Secure Plus
Advantage vs Cancer Cover Activ Cancer Secure Plan
Advantage vs Optima Secure Global Plus
Advantage vs LifeTime Health Global
Advantage vs Women Care
Advantage vs Aspire Diamond+
Advantage vs Activate Booster Plan A
Advantage vs myHealth Medisure Super Top-up
Advantage vs Health Super Saver Standard
Advantage vs Active Care Premier
Advantage vs ProHealth Accumulate
Advantage vs Supreme Shine
Advantage vs Health Cardiac Care Silver & Gold Plan
Advantage vs myHealth Suraksha Gold
Advantage vs Elder Care
Advantage vs Young Star Gold
Advantage vs Assure
Advantage vs Active Fit Plus
Advantage vs Cancer Care Platinum
Advantage vs OneHealth Premium
Advantage vs Optima Lite
Advantage vs ProHealth Prime Protect
Advantage vs Medicare Plus
Advantage vs Activ Health Platinum Essential
Advantage vs Medicare Senior
Advantage vs Enhance Super Top-up Two
Advantage vs Reassure 3.0
Advantage vs Medicare Protect
Advantage vs Activ One SAVR
Advantage vs Active Assure Diamond
Advantage vs Activ One VIP
Advantage vs Health Pulse Classic
Advantage vs Mediclaim Insurance Policy
Advantage vs Special Care Gold
Advantage vs Energy Gold Without Copay
Advantage vs Activ One Max
Advantage vs Classic
Advantage vs Activ One Vytl
Advantage vs Supreme
Advantage vs Freedom
Advantage vs Sarvah Pratham
Advantage vs Joy Today
Advantage vs Medi Classic
Advantage vs Activate Booster Plan B
Advantage vs Aspire Gold+
Advantage vs Health Gain
Advantage vs Aspire Platinum+
Advantage vs Plus Complete
Advantage vs Reassure 2.0 Platinum+
Advantage vs Reassure 3.0 Elite
Advantage vs Enhance Super Top-up One
Advantage vs Joy Tomorrow
Advantage vs Reassure 3.0 Select
Advantage vs Activ One VIP+
Advantage vs Red Carpet Senior Citizens
Advantage vs Super Surplus Gold
Advantage vs Health SuperCharge
Advantage vs Medicare Premier
Advantage vs Family Health Optima
Advantage vs Health Companion Variant 2022
Advantage vs Health Companion Variant 3
Advantage vs Plus Youth
Advantage vs ProHealth Prime Advantage
Advantage vs Critical Illness Silver Plan
Advantage vs Health Premia Gold
Advantage vs Health Premia Platinum
Advantage vs Comprehensive
Advantage vs HeartBeat Enhanced
Advantage vs Reassure
Advantage vs Health Recharge Super Top Up Plan
Advantage vs myHealth Suraksha Platinum
Advantage vs Supreme Value for Money
Advantage vs Supreme Enhance Two
Advantage vs Supreme Senior Super
Advantage vs Supreme Enhance
Advantage vs Reassure 2.0 Gold
Advantage vs Active Fit Preferred
Advantage vs LifeTime Health
Advantage vs Medicare
Advantage vs ProHealth Prime Active
Advantage vs ProHealth Prime Senior Elite
Advantage vs Advanced Top Up
Advantage vs Multiplier Health
Advantage vs Ultimate (Direct)
Advantage vs Young Star
Advantage vs Star Women Care Policy
Advantage vs Family Plus
Advantage vs Sarvah Param
Advantage vs Optima Insurance
Advantage vs Smart Super Health Assure
Advantage vs Criti Shield Plus
Advantage vs Health Care Supreme Ultimo
Advantage vs Health Shield 360 Retail
Advantage vs Super Star
Advantage vs Reassure 3.0 Black
Advantage vs Health Guard Platinum
Advantage vs Health Guard Gold
Advantage vs Elevate (Direct)
Advantage vs Senior First Platinum
Advantage vs Extra Care Plus Super Top-up
Advantage vs Health Care Supreme Smart
Advantage vs Medi Classic Gold
Advantage vs Smart Health Pro
Advantage vs Optima Super Secure
Advantage vs Special Care
Advantage vs Optima Secure Global
Advantage vs Medicare LITE
Advantage vs Health Shield 360
Advantage vs NextGen
Advantage vs SecureHealth
Advantage vs Energy Silver With Copay
Advantage vs Supreme (Direct)
Advantage vs Plus
Advantage vs Medicare Select
Advantage vs myHealth Koti Suraksha
Advantage vs Senior
Advantage vs myHealth Suraksha Silver
Advantage vs Cardiac Care Platinum
Advantage vs Royal Sundaram Lifeline Elite
Advantage vs HeartBeat Platinum
Advantage vs Supreme Enhance One
Advantage vs HeartBeat Gold
Advantage vs Aspire Titanium+
Advantage vs iHealth Plus
Advantage vs Reassure 3.0 Classic
Advantage vs Senior Health Advantage
Advantage vs Health Wallet
Advantage vs Elevate
Advantage vs Heart
Advantage vs Reassure 2.0 Titanium+
Advantage vs Diabetes Safe Plan A
Advantage vs Reassure 2.0 Bronze+
Advantage vs Young Star Silver
Advantage vs Enhance Super Top-up
Advantage vs Joy
Advantage vs Supreme Senior Health AdvantEdge
Advantage vs Supreme Super Saver
Advantage vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

