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my:health Medisure Super Top Up Insurance

Just like every little appreciation in life brings joy and happiness, in a similar way adding up a big health cover to your existing health insurance will also bring in lots of benefits. HDFC ERGO understands the rising cost of medical treatments and to meet the growing costs there’s a requisite for higher coverage by paying a nominal premium. You can opt for my:health Medisure Super Top Up Insurance as a fresh policy or take it as an added cover to  your existing health insurance which could be with HDFC ERGO or with any other Indian General Insurance company. Additionally, you can add it to your Employee Health cover too for increasing the coverage and covering major unexpected medical expenses. HDFC ERGO’s my:health Medisure Super Top Up Insurance enhances your health cover to provide you a larger coverage at a much affordable premium.

Let’s understand how my: health Medisure Super Top up Insurance works

my:health Medisure Super Top up Health Insurance Plan

This health insurance plan strengthens your existing plan to give you a higher sum insured and a much wider cover to meet your medical expenses. When your existing health cover gets exhausted, my:health Medisure super top up bounces back to offer you protection and secure your financial well-being during medical emergencies. my:health Medisure Super Top is a uniquely designed health insurance plan that offers higher sum insured against aggregate deductible at an affordable premium.

Let’s understand how my:health Medisure top up works as an added cover for extra benefits

At inception (Sum insured 1 lac - 2 lac) Claim Amount Deductible Exhaustion Balance Deductible Available Sum insured in top up policy Benefit in existing plan Benefit in my:health Medisure Super top up
Claim 1 50,000 0 1 Lac 2 Lac 50,000 0
Claim 2 40,000 0 1 Lac 2 Lac 40,000 0
Claim 3 10,000 0 1 Lac 2 Lac 10,000 0
Claim 4 1,50,000 1 Lac 0 2 Lac Nil 50,000

 

You already have an existing health insurance

If you already have an existing health cover or employee health cover, you can increase the cover with the help of my:health Medisure Super Top Up Insurance. For instance you have an existing health cover of 2 lacs. In Jan 2017 you underwent a minor surgery, for which your existing health insurance has covered the expenses of 2 lacs; however the later part of the surgery is supposed to happen in September 2017. In such cases, where your existing medical cover is not sufficient enough to cover your medical expenses my:health Medisure Super Top Up plays a crucial role by offering a much higher coverage at an affordable premium. It’s essential to have Medisure top up insurance plan for a larger cover which can be bought for both individual as well as family at a minimum premium.

You wish to buy my:health Medisure Super Top Up Insurance as your first health insurance plan

If you wish to buy my:health Medisure Super Top Up Insurance as your first health insurance plan, then in that case you have to bear up to the threshold limit up to the aggregate deductible, once your medical expenses crosses the threshold limit this policy gets activated to cover your further medical expenses. For instance you’ve bought for your family my:health Medisure Super Top Up in Jan 2017 and your father is supposed to undergo a surgery in 3 months, which costs around 2 lakh rupees. This 2 lakh rupees medical has to be borne by you as an aggregate deductible. Whereas in the month of November 2017, Dr has advised your father a Bypass surgery and you require 2 lakh rupees for the same. At this point of time, your my:health Medisure Super Top Up gets activated and offers total coverage as per the policy offerings in the same year.

Benefits of my:health Medisure Super Top Up Insurance?

  • High cover at an affordable premium
  • Guaranteed 6 Hours response on every cashless claim
  • 10% Family Discount when two or more family members are covered under individual sum insured basis.
  • 5% discount on opting for two year policy
  • No medical tests upto the age of 55 years, if you have no pre-existing illness
  • Tax Benefit under section 80D
  • Constant premium from the age of 61 years & above Pre-Hospitalization & Post-Hospitalization expenses – 30 days for Pre-Hospitalization and 60 days
  • Lifelong renewability

 

^ Deductible is the limit selected by you while taking my:health Medisure Super-Top-Up policy with HDFC ERGO. Coverage of Super Top Up policy triggers as soon as expenses born by you against one or more medical exigencies exhausts the Deductible limit during one policy year 

For details, please refer to policy terms and conditions 

* 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.

  • Age : 18-65 years
  • Children : 91 days to 23 years (Both parents must be covered under the policy)

What gets covered?

  • Hospitalisation expenses without any limits
  • Entry Age limit till 65 years
  • Covers expenses for Pre-existing diseases, post 3 continuous renewals
  • Day care treatment with no static list

 

For details, please refer to policy terms and conditions

What does not get covered?

  • Waiting Periods
    • 30 days waiting period will apply to all claims, except if any insured person suffers an accident
    • 2 years exclusions for specific diseases
    • 3 years exclusion for pre-existing conditions
    • Non-allopathic treatment
    • HIV or AIDS
    • Hospitalization or injury due to Intoxication

 

For a complete list, kindly refer the Policy Wordings

For details; please refer to policy terms and conditions

My Health Medisure Super Top Up is a filed and approved product of HDFC General (formerly known as L&T Insurance), a wholly owned subsidiary of the Company and hence the Company is also offering the said product

FAQs

  • Do Threshold/deductable limit consist of single claim or multiple claims?

    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

    Dedcutible Sum Insured in HDFC Ergo General Insurance Insured 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 Super Top up Policy
    At inception 200,000 800,000 0 0 200,000 0 0
    Claim 1 200,000 800,000 10,000,00 2,00,000 0 2,00,000 8,00,000

    Example-2: Multiple Claims in a policy year

    Dedcutible Sum Insured in HDFC Ergo General Insurance Insured 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 Super Top up Policy
    At inception 200,000 800,000 0 0 200,000 0 0
    Claim 1 200,000 800,000 150,000 150,000 50,000 150,000 0
    Claim 2 200,000 800,000 300,000 50,000 0 50,000 250,000
    Claim 3 200,000 800,000 550,000 0 0 0 550,000
  • I have completed 4 years in ‘xyz’ company Mediclaim and my diabetes/BP is now covered, will Super Top Up cover my PED?

    In Super Top Up policy waiting periods will start afresh.
  • Will the continuity benefit (2years) be given on Super Top Up plan as well?

    Continuity benefit will not be available in Super Top Up plan as portability benefits are not available in this product.
  • Does pre-existing cover starts after 4 years?


    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.
  • 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.
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