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HDFC ERGO Health Insurance Top-up & Super Top-up Plans

430 reviews Rate This
Highlights
Claim Settlement Ratio86.52%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals10,000+
Policies Sold10,66,395
Renewability Lifelong Renewability

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HDFC ERGO Health Insurance Top Up List

    Name of PlanSum Insured
    my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
    Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

    Top-up & Super Top-up of HDFC ERGO Health Insurance

    A super top-up health insurance plan is a beneficial addition to the primary health cover. The policy can be used only when the claim amount exceeds the deductible and sum insured of the base policy within a policy year. A deductible in health insurance is a fixed amount that the insured has to pay from their own pocket in order to avail the policy benefits. Usually, the deductible is the same as the base sum insured amount.

    Super top-up plans are perfect for maintaining high coverage amounts and low overall premiums. They cover “multiple hospitalisations” and use the deductible option to increase the cover of an existing insurance plan.

    HDFC ERGO my: Health Medisure Super Top-Up

    The my: Health Medisure is a super top-up insurance product of HDFC Ergo. It offers policyholders with higher sum insured at a low premium with the option of selecting from a vast range of deductibles. Key Benefits of My: Health Medisure Super Top-Up The my: Health Medisure Super Top-Up provides coverage for unforeseen hospitalisation expenses on an individual or floater basis. The sum insured under this plan ranges from Rs. 3 Lakh to Rs. 20 Lakh. Other benefits under the plan include: Organ donor cover Ambulance coverage Daycare treatment In-patient hospitalisation expenses Pre-hospitalisation and post-hospitalisation expenses Aggregate Deductible: Rs. 2 Lakh to Rs. 5 Lakh
    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    HDFC ERGO Health Insurance Plan List

      Name of PlanSum Insured
      Optima SecureMin: 91 Days, Max: 65 Years Check Premium
      Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Check Premium
      Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
      my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Check Premium
      Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Check Premium
      my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Check Premium
      Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Check Premium
      Easy Health PolicyMin: 91 days; Max: 65 years1 Lakh - 50 Lakh Check Premium
      my:Health Koti SurakshaMin: 18 years; Max: 65 years Check Premium
      Maxima PolicyMin: 91 Days; Max: 65 years Check Premium
      Day2Day Care PolicyMin: 91 Days; Max: 65 years Check Premium
      iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Check Premium
      Health WalletMin: 91 Days; Max: 65 Years3 Lakh Check Premium
      EnergyMin: 18 Years, Max: 65 Years2 Lakh Check Premium
      Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Check Premium
      Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
      Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Check Premium

      Who Can Buy This Plan?

      Anyone can buy HDFC Ergo’s my: Health Medisure Super Top Up. While the minimum entry age is 18 years, the maximum entry age is 65 years. Even the children from 91 days to 23 years can be covered under this plan. Waiting Period Under the Plan The waiting period for pre-existing diseases is 3 years, and for any illness, except an injury is 30 days. However, certain specified diseases are covered after 24 months. Renewability of the Plan My: Health Medisure Super Top-Up policy offers lifelong renewability. Exclusions Under the Plan My: Health Medisure Super Top-Up policy does not cover the insured against the following healthcare expenses: Self-inflicted injuries Non-allopathic treatment Sexually transmitted diseases Participation in defense operations Treatment of obesity or cosmetic surgery

      Choose HDFC ERGO Critical Illness Plan

      HDFC ERGO Health Insurance User Reviews

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      What users are saying
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      • Critical Illness
      • The HDFC ERGO Health Insurance Plan that I bought from the InsuarnceDekho has provided me with an extensive ne...

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        A
        HDFC ERGO
        By Altaf Mirza
        On: May 26, 2023
      • My purchase of the HDFC ERGO Health Insurance Plan from InsuranceDekho was amazing. I bought this policy a mon...

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        D
        HDFC ERGO
        By Dhruv Jolly
        On: May 25, 2023
      • It was nice purchasing the HDFC ERGO Health Insurance Plan from InsuranceDekho. The customer support executive...

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        S
        HDFC ERGO
        By Sahil Patel
        On: May 24, 2023
      • There are a lot of plans available on the insuranceDekho website, out of all those I chose the HDFC ERGO Healt...

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        A
        HDFC ERGO
        By Anjana Basu
        On: May 23, 2023
      • Under the HDFC ERGO Health Insurance Plan that I bought from InsuranceDekho, I got comprehensive coverage that...

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        HDFC ERGO
        By Ramesh Balakrishnan
        On: May 19, 2023
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      HDFC ERGO Health Insurance Contact Details

      Reach us for help anytime

      Claim Process at HDFC ERGO Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

        Once your request for reimbursement of expenses is approved, the claim will be settled.

      3624 HDFC ERGO Cashless Network Hospitals in India

      Insurance Products by HDFC ERGO General Insurance

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