Insurance Plans Comparison
TATA AIG Elder Care 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 moreElder Care
Cover hospital care from age 61, then a home nurse for up to 7 days after surgery, up to 10 physiotherapy sessions after a stroke, paralysis or joint replacement, and a caregiver for up to 14 days.
What Makes It Special:
A senior citizen health insurance plan designed for individuals aged 61 years and above, with hospitalisation coverage and specialised elderly-care support services.
Best For:
Individuals seeking health coverage for age-related healthcare needs.
Seniors looking for wellness services and teleconsultation support.
People who may need home-care support after hospitalisation.
Retired individuals looking for health insurance coverage.
Senior citizens aged 61 years and above.
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
Check the room eligibility and waiting periods carefully, especially the 48-month waiting period for joint replacement surgeries.
Review the mandatory 20% co-payment and the optional Co-Payment Waiver Add-On before choosing the plan.
Home Care Treatment Cover is available for specified illnesses and procedures, up to 10% of the Sum Insured.
The plan includes elderly-care services such as home nursing, home physiotherapy and compassionate care, subject to eligibility.
Consider this plan if you are looking for health insurance designed specifically for senior citizens.
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
![]() Elder Care Health Insurance Plan VS VS |
![]() myHealth Medisure Super Top-up Health Insurance Plan |
| Room Rent |
|---|
Elder Care Single Private Room. Choosing a room category outside the permitted eligibility may affect claim settlement as per policy terms. |
VS VS |
myHealth Medisure Super Top-up
|
| ICU Charges |
|---|
Elder Care Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured. |
VS VS |
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
| Advanced Treatments |
|---|
Elder Care Information Unavailable |
VS VS |
myHealth Medisure Super Top-up
|
| Disease-wise sublimits |
|---|
Elder Care Specific disease-wise sublimits are not fully detailed in the available product reference. Verify from the policy wording. |
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 |
| Co-payment |
|---|
Elder Care Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available. |
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. |
| Cashless Healthcare Providers |
|---|
Elder Care Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms. |
VS VS |
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
| Restoration Benefit |
|---|
Elder Care Not specifically mentioned in the available product reference. |
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 |
|---|
Elder Care 10% increase for every claim-free year, up to a maximum of 100% of the Sum Insured. Alternatively, No Claim Discount in premium can be opted for instead of Cumulative Bonus. |
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 |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
myHealth Medisure Super Top-up Covered by the policy. |
| Consumable Cover |
|---|
Elder Care Consumables benefit is included, subject to applicable policy terms and conditions. |
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 |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
myHealth Medisure Super Top-up Covered in the policy. |
| Initial Waiting Period |
|---|
Elder Care 30 days, subject to applicable policy terms and exceptions. |
VS VS |
myHealth Medisure Super Top-up 30 days, except claims arising from an accident |
| Specific Waiting Period |
|---|
Elder Care 24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period. |
VS VS |
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
| PED Waiting Period |
|---|
Elder Care 24 months for pre-existing diseases disclosed and accepted by the insurer. |
VS VS |
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
| Modern Treatment |
|---|
Elder Care Not specified in the supplied brochure |
VS VS |
myHealth Medisure Super Top-up Not specified |
| Annual Health Checkup |
|---|
Elder Care Preventive health consultations are available. Exact check-up limits should be verified from the policy wording. |
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 |
|---|
Elder Care Covered for up to 30 days before hospitalisation, subject to policy terms. |
VS VS |
myHealth Medisure Super Top-up Information Unavailable |
| Post-Hospitalisation |
|---|
Elder Care Post-hospitalisation support includes eligible home nursing, physiotherapy and compassionate care services, subject to policy conditions. |
VS VS |
myHealth Medisure Super Top-up 180 days after discharge |
| Outpatient Department Cover (OPD Expense) |
|---|
Elder Care High-end diagnostic tests are covered up to ₹20,000 per policy year, subject to policy terms. |
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 |
|---|
Elder Care Not specifically mentioned in the available product reference. |
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 |
|---|
Elder Care Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy. |
VS VS |
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
| Claim Settlement Ratio |
|---|
Elder Care Not mentioned in the available product reference. |
VS VS |
myHealth Medisure Super Top-up 97.43% |
| Maternity Cover |
|---|
Elder Care Not specifically mentioned in the available product reference. |
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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