HDFC ERGO 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

30 days, except claims arising from an accident

24 months for specified illnesses and surgical procedures

Normal: Single A/C private room

ICU: no limit, expenses incurred will be covered by the insurance

Robotic surgeries for precise, minimally invasive procedures.

Bariatric surgery for obesity management (as per policy terms).

Modern cancer treatments like immunotherapy and targeted therapy.

Stem cell therapy (for approved conditions).

Proton beam therapy for advanced cancer care.

Advanced cardiac procedures including transplants and minimally invasive heart surgeries.

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.

16,000+ Healthcare providers.

Covered by the policy.

Covered in the policy.

36 months; optional Waiting Period Modification reduces it to 24 months

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

180 days after discharge

Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover

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

Individual sum insured or floater sum insured

Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded

97.43%

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

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