My:Health Medisure Super Top Up FAQs
In my:health Super Top Up policy waiting periods will start afresh.
Continuity benefit will not be available in my:health Super Top Up plan as portability benefits are not available in this product.
The policy covers expenses incurred for the treatment of diseases that you have before taking the policy. Such will be covered only after 36 months of continuous coverage.
Yes, since chemo & dialysis are recurring procedures and does not require local or general anesthesia, in this context all such procedures will be covered & paid under day care procedures.
Yes, there were will be loading on pre existing ailments which will be arrived at after health check up of the customer. Acceptance of the proposal will be subject to medical underwriting.
Yes, any illness payable under the policy for which threshold gets exhausted, will be paid under my:health Super top up.
You can cover your family members as given below in a single Policy on Individual Sum Insured basis.
- Brother, Sister, Grand Son, Grand Daughter, Daughter in Law, Son in Law, Nephew, Niece, Grand Mother and Grand Father.
Yes, you will get Tax benefit under section 80D.
All person(s) named in the Schedule to this Policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim.
You are not required to undergo any medical tests up to the age of 55 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. In such cases and for applicants above age 55
years, one has to undergo the specified medical tests.
Pre agreed charges for health check up with our network provider are Rs 1000/- and Rs.1200/- per person for SET1 & SET2 respectively. On acceptance of proposals, we will reimburse 50% of the expenses.
You can choose minimum of Rs. 2lacs and maximum of Rs. 5lacs aggregate deductible in this policy.
This Policy, one can be a proposer under the Policy from the age of 18 years to 65 years. You can insure your children from the age of 91 days to the age of 23 years.
Yes, you can include your parents and parents in-law in the same Policy on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis.
No. There is no such obligation under the policy. Once we have accepted the proposal, member will be eligible for life time renewal.
Whatever is over and above the threshold limit will be paid.
Please refer Policy wordings for exhaustive list of claims documents required. We will not ask for anything over and above the list given in Policy.
Yes, Cashless can be applied through hospital.
Irrespective of what the previous insurer paid, HDFC ERGO General Insurance will pay whatever are the medical expenses over and above the threshold limit.
Threshold/ deductable limit is an aggregate deductable which the customer has to pay either from his pocket or through other Mediclaim, beyond aggregate deductable (crossed in single claim or in multiple claims in a policy year)
full claim amount will be paid by HDFC Ergo General Insurance.
Example-1: Single Claim in a policy year
Example-2: Multiple Claims in a policy year
Example-1: Single Claim in a policy year
| Dedcutible | Sum Insured in HDFC Ergo General Insurance Insured my:health Super Top up Policy | Claim amt assessed | Dedcutible Exhaustion | balance Dedcutible | Claim amt payable by other policy / saving | Claim amt payable by HDFC Ergo General Insurance Insured my:health Super Top up Policy | |
|---|---|---|---|---|---|---|---|
| At inception | 2lacs | 8lacs | 0 | 0 | 2lacs | 0 | 0 |
| Claim 1 | 2lacs | 8lacs | 1lacs | 2lacs | 0 | 2lacs | 8lacs |
Example-2: Multiple Claims in a policy year
| Dedcutible | Sum Insured in HDFC Ergo General Insurance Insured my:health Super Top up Policy | Claim amt assessed | Dedcutible Exhaustion | balance Dedcutible | Claim amt payable by other policy / saving | Claim amt payable by HDFC Ergo General Insurance Insured my:health Super Top up Policy | |
|---|---|---|---|---|---|---|---|
| At inception | 2lacs | 8lacs | 0 | 0 | 2lacs | 0 | 0 |
| Claim 1 | 2lacs | 8lacs | 1.5lacs | 1.5lacs | 50,000 | 1.5lacs | 0 |
| Claim 2 | 2lacs | 8lacs | 3lacs | 50,000 | 0 | 50,000 | 2.5lacs |
| Claim 3 | 2lacs | 8lacs | 5.5lacs | 0 | 0 | 0 | 550,000 |
You can pay your policy premium through debit & credit card issued by your bank, internet banking, wallet/cash card, EMI, UPI (GPay, PhonePe, Paytm, etc.), QR code. Please note, we do not accept payment through any club
card or diners' card.
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