• Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO?
  • FAQs

my:health Medisure Super Top-up 

May your health thrive always but what if there are times when even your existing health insurance is not enough to handle health issues? Don’t let rising medical costs keep you tensed for yourself and your family. With my:health Medisure Super Top-up, ensure the cushion of ample cover to get the best of medical treatment without any restrictions and limitations.

Reasons to choose HDFC ERGO's my:health Medisure Super Top-up

Binds the family in 1 Secure Bond
We understand that the list of your loved ones is long. That's why this cover is all encompassing and provides health cover to your parents, in-laws, niece, nephew, spouse and kids.
Constant premiums from Age 61
With HDFC ERGO's Health Insurance make your old age hassle free and peaceful. Pay constant premiums post 61 years and enjoy the best of health cover with a brand trusted by millions.
No health checkups upto Age 55
We love to secure your health without the hassle of health checkups. This ensures your time is valued and no matter what, your and your family’s health is always cocooned with an all-encompassing cover.
Pay less, Get more
Opt for a long-term policy of 2 years and get a 5% discount on the premium. If you wish to cover a family of more than 2 members on individual Sum Insured basis, then you can avail 10% discount.

What’s included?

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In patient Hospitalisation

Hospitalisation is a testing time for all. With my:healthMedisure Super Top Up Insurance, we ensure full coverage upto the sum insured without any sub-limits.

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Pre & Post Hospitalization

Pre and post hospitalisation are both critical phases and might be ignored due to the paucity of finances. With this plan, get full uncompromising health care.

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Day Care Procedures

With technological advancement, some of the most advanced surgeries are now covered under day care. Ensure the best of services for yourself and your family and get full coverage upto sum insured.

What’s not included?

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Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

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Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

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War

War can be disastrous and unfortunate. However, our policy does not cover accidents that are caused due to wars.

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Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

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Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

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Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Understanding "Deductibles"

What is Deductible?

Deductible is a fixed amount paid out-of-pocket by an insured for the medical expenses before an insurance company pays the balance cost.

What is Aggregate Deductible?

Sum Total of all the claims incurred by the insured during a policy period.

How does Aggregate Deductible Work?

Suppose you have bought a my health Medisure Super Top-up policy with Rs. 3 lac aggregate deductible and 7 lacs Sum Insured. In case during the policy period there is 1 or more claim more than Rs. 3 lacs then Super Top-up will pay you the balance amount incurred upto maximum 7 lacs.

Let’s understand how my :health Medisure Super Top-up?

Claim 175,000
Claim 250,000
Claim 31 Lac
Claim 41 Lac
Total claims3.25 Lacs
Aggregate Deductible as per policy3 Lacs
Total Sum Insured 7 Lacs
Balance Claim payable25000
Balance Sum Insured 6.75 Lacs

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Regular claim update on your mobile

Avail your preferred mode of claims settlement
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. **90% of pre-authorised cashless health claims are responded within 22 minutes and reimbursement claims are approved within 3 days.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. **90% of pre-authorised cashless health claims are responded within 22 minutes and reimbursement claims are approved within 3 days.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

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Frequently asked questions

It is a health insurance plan that strengthens your existing plan to give you a higher sum insured and a wider cover to meet your medical expenses. You can take it as an independent policy or as a top up to your existing plan
In cases where your existing medical cover is not sufficient enough to cover your medical expenses, Super Top Up helps increase the sum insured and provider wider coverage at an affordable premium.
Deductible is the amount you pay towards your health care expenses before your insurance plan starts to pay. The amount of deductible varies as per the plan and can be crossed in single claim or in multiple claims in a policy year
You can opt for a minimum of Rs. 4,00,000 and maximum of Rs. 5,00,000 aggregate deductible in this policy
Pre-existing diseases refers to any condition, ailment, injury or illness that you have been diagnosed with or had symptoms of 48 months before taking your policy.
Pre-existing diseases will be covered in Super Top Up only after 36 months of continuous coverage.
Yes, there is a waiting period of 36 months (or 3 years) for before Super Top Up starts covering the pre-existing diseases.
No pre-policy medical check-up is required for individuals’ up to 55 years* of age, subject to no health adversity. However, beyond that age you may need to go through some routine check-ups.
You get a 5% discount on opting for two-year policy and a 10% Family Discount when three or more family members are covered under individual sum insured basis
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