Insurance Plans Comparison
HDFC ERGO myHealth Medisure Super Top-up vs Niva Bupa Aspire Platinum+
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
Aspire Platinum+
Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.
What Makes It Special:
Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.
Best For:
Buyers seeking broad hospitalisation and eligible day-care coverage.
People who want their premium to remain linked to their entry age until a qualifying claim is paid.
Buyers who value additional cover after an eligible claim.
Individuals and families planning for eligible maternity-related expenses.
People looking to build up unused health cover over successive policy years.
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.
Compare premiums and waiting periods against other Aspire variants before choosing.
Check the policy schedule for room category, co-payment, deductible and any optional benefits.
Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.
Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.
Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.
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 |
Aspire Platinum+ Health Insurance Plan |
| Room Rent |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Aspire Platinum+ All room categories are covered |
| ICU Charges |
|---|
myHealth Medisure Super Top-up Covered within medical expenses; no separate ICU limit stated |
VS VS |
Aspire Platinum+ No restriction on ICU room rent |
| Advanced Treatments |
|---|
myHealth Medisure Super Top-up
|
VS VS |
Aspire Platinum+ 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 |
Aspire Platinum+ 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 |
Aspire Platinum+ No |
| Cashless Healthcare Providers |
|---|
myHealth Medisure Super Top-up 16,000+ Healthcare providers. |
VS VS |
Aspire Platinum+ 10,000+ 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 |
Aspire Platinum+ 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 |
Aspire Platinum+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
| Daycare Treatment |
|---|
myHealth Medisure Super Top-up Covered by the policy. |
VS VS |
Aspire Platinum+ 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 |
Aspire Platinum+ No. However, available as an add-on |
| AYUSH Treatment |
|---|
myHealth Medisure Super Top-up Covered in the policy. |
VS VS |
Aspire Platinum+ 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 |
Aspire Platinum+ 30 days |
| Specific Waiting Period |
|---|
myHealth Medisure Super Top-up 24 months for specified illnesses and surgical procedures |
VS VS |
Aspire Platinum+ 2 years |
| PED Waiting Period |
|---|
myHealth Medisure Super Top-up 36 months; optional Waiting Period Modification reduces it to 24 months |
VS VS |
Aspire Platinum+ 3 years |
| Modern Treatment |
|---|
myHealth Medisure Super Top-up Not specified |
VS VS |
Aspire Platinum+ 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 |
Aspire Platinum+ 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 |
Aspire Platinum+ 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 |
Aspire Platinum+ You get cover for medical bills up to 180 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 |
Aspire Platinum+ 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 |
Aspire Platinum+ Available as an option |
| Coverage Options |
|---|
myHealth Medisure Super Top-up Individual sum insured or floater sum insured |
VS VS |
Aspire Platinum+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
myHealth Medisure Super Top-up 97.43% |
VS VS |
Aspire Platinum+ 92.02% |
| Maternity Cover |
|---|
myHealth Medisure Super Top-up Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded |
VS VS |
Aspire Platinum+ Available |
Insurance Plans Comparison
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