HDFC ERGO Medisure Super Top Up
HDFC ERGO
Highlighted Features
Room Rent and ICU limits
The HDFC ERGO My Health Suraksha plan offers unlimited room rent coverage, including ICU, ensuring complete financial protection and flexibility.
Day Care Treatments
The policy covers specified day care treatments up to the sum insured, including procedures requiring less than 24 hours of hospitalization
Brochure
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Our Verdict
The HDFC ERGO MyHealth Medisure Super Top-Up Plan offers cost-effective extended coverage for high medical bills. Ideal for individuals and families with existing health insurance seeking additional financial protection.
About the Plan
The HDFC ERGO MyHealth Medisure Super Top-Up Insurance Plan is designed to enhance your existing health coverage with an affordable solution for high medical expenses. This plan offers additional coverage beyond a predefined deductible, making it an excellent choice for managing unexpected healthcare costs. It provides comprehensive benefits, including hospitalization coverage, pre- and post-hospitalization expenses, and daycare procedures. With high sum insured options, it helps bridge the gap left by base health policies. Features like cashless claims across a wide hospital network and tax benefits under Section 80D add further value. This plan ensures financial peace of mind while keeping premiums economical, making it ideal for individuals and families seeking extra health protection.
About the Plan
Features of the Product
Room Rent
- Normal: Single A/C private room
- ICU: no limit, expenses incurred will be covered by the insurance
Advanced Treatments
- 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.
Co-payment
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.
Waiting Period
- Initial Waiting Period: 30 days from the policy's inception, applicable to all illnesses except those resulting from accidents.
- Specific Diseases and Treatments: 24 months for certain listed illnesses and surgical procedures.
- Pre-existing Diseases: 36 months before coverage begins for any pre-existing conditions declared at the time of policy purchase.
Cashless Healthcare Providers
16,000+ Healthcare providers.
Daycare Treatment
Covered by the policy.
AYUSH Treatment
Covered in the policy.
Exclusions
Pre-existing diseases are excluded until 36 months of continuous coverage have elapsed since the policy's inception.
Any illness contracted within the first 30 days from the policy commencement date is excluded, except for claims arising due to an accident.
Specific treatments and conditions, such as cataract, hysterectomy (other than for malignancy), knee replacement surgery (unless caused by an accident), and others, are excluded for the first 24 months of continuous coverage.
Expenses related to diagnostic and evaluation purposes without any treatment are excluded.
Expenses for rest cures, rehabilitation, and respite care are not covered.
Exclusions
Related Variants
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About the Company
HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance.
In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support.
HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across India.
About the Company
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FAQs
Frequently Asked Questions
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
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