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

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.

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Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Health Insurance Plan List

  • Individual (1)
  • Family (2)
  • Woman (2)
  • Parents (2)
  • Blood Pressure (2)
  • Kids (2)
  • Thyroid (2)
  • Diabetes (2)
  • Cover

    5 Lakh

    Cashless Hospital

    9552

    Starting From 1,391/month*

  • Cover

    5 Lakh

    Cashless Hospital

    9552

    Starting From 1,312/month*

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
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Save Tax upto ₹75000*
Under Section 80D

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

HDFC ERGO Health Insurance Plan List

  • Family (3)
  • Individual (4)
  • Cancer (1)
  • Critical Illness (2)
  • Diabetes (1)
  • Parents (1)
  • Senior Citizen (1)
Name of PlanSum Insured
Optima SecureMin: 91 Days, Max: 65 Years Check Premium
Optima RestoreMin: 91 Days, Max: 65 Years3 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
Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 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

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HDFC ERGO Health Insurance User Reviews

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What users are saying
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  • I've had the pleasure of interacting with InsuranceDekho's customer care team, and they're top-notch. They gui...

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    P
    HDFC ERGO
    By Pooja Sharma
    On: Mar 14, 2024
  • Renewing my HDFC ERGO Health Insurance Plan with InsuranceDekho is a straightforward process. They send timely...

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    HDFC ERGO
    By Varsha Nagpal
    On: Mar 13, 2024
  • A list of good health insurance plans may be found on the InsuranceDekho website. I chose the HDFC ERGO Health...

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    A
    HDFC ERGO
    By Ananya Sharma
    On: Mar 04, 2024
  • InsuranceDekho is an amazing platform for buying health insurance plans. The customer team was very helpful, t...

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    HDFC ERGO
    By Sumit kumar
    On: Jan 25, 2024
  • I am very grateful to the InsuranceDekho team for providing and helping me with the HDFC health insurance poli...

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    D
    HDFC ERGO
    By Dayanand Sharma
    On: Dec 04, 2023

Network Hospital in Popular Cities

CityNo of Hospital
Hyderabad416
Jaipur174
New Delhi446
Mumbai281
Gurgaon100
Lucknow114
Chennai298
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