How does the waiting period affect my coverage?

The plan includes a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing conditions.

What if I don’t use my health insurance benefits for the entire year?

Unused benefits do not expire, but no additional bonuses apply; the plan continues to offer coverage for future medical expenses.

Does the HDFC My Health Medisure Super Top-Up plan cover treatment abroad?

No, the plan covers hospitalization expenses only within India and does not provide coverage for international medical treatments.

Are pre-existing conditions covered after a waiting period?

Yes, pre-existing conditions are covered after a 36-month waiting period.

OneAssure

Health Insurance

HDFC ERGO

myHealth Medisure Super Top-up

HDFC ERGO Medisure Super Top Up

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

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95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

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Final 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

About HDFC ERGO Health Insurance

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.

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...

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

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.

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.

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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.

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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...

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,...

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.