My Health Medisure Super Top Up Plan: Get Higher Sum Insured

My Health Medisure Super Top-Up Plan

If even your existing health insurance isn't enough to handle health issues at times, may your health thrive always. You and your family don't have to worry about rising medical costs. Make sure you get the best medical care possible with my:Health Medisure Super Top-up. Secures the family in one bond. From the age of 61, premiums are constant. Up to the age of 55, no health checkups are required. In addition to the primary health insurance plan, a super top-up plan can be very beneficial. A claim can only be covered by the policy if the amount claimed exceeds the deductible and sum insured under the base policy. As part of health insurance policies, deductibles are fixed amounts that are payable from the insured's pocket. Deductibles are usually equal to base sums insured. It is ideal to maintain high coverage amounts and low overall premiums with super top-up plans. In addition to covering "multiple hospitalizations," they also use the deductible option to increase coverage. Insurer HDFC Ergo offers a top-up insurance product called my: Health Medisure. A wide range of deductibles is available to policyholders with higher sums insured at a low premium. My: Health Medisure Super Top-Up covers unforeseen hospitalization expenses on an individual or floater basis. There is a minimum sum insured of Rs. 3 lakhs and a maximum sum insured of Rs. 20 lakh under this plan. There are also other benefits included in the plan, including Organ donor coverage Ambulance coverage Daycare treatment Inpatient hospitalization expenses Pre-hospitalisation and post-hospitalization expenses Aggregate Deductible: Rs. 2 lakhs to Rs. 5 lakhs.

Who is Eligible To Buy The Medisure Super Top Up Plan?

HDFC Ergo's my: Health Medisure Super Top Up is available to anyone. Entry is open to all age groups between 18 and 65, with 18 being the minimum and 65 being the maximum. A child from 91 days old up to 23 years old can be covered under this plan. For pre-existing diseases, the waiting period is 3 years, and for any illness, except an injury, it is 30 days. It is, however, possible to receive coverage after 24 months for certain specified diseases. Lifelong renewability is offered by the Plan My: Health Medisure Super Top-Up policy. There are no exclusions under the Plan My: Health Medisure Super Top-Up policy for the following healthcare expenses: Self-inflicted injuries Non-allopathic treatment Sexually transmitted diseases Participation in defense operations Treatment of obesity or cosmetic surgery.

Key features of Medisure super top up	Explanation
Securely binds the family together	It is understandable that you have a long list of loved ones. Due to this, this cover is all-encompassing and covers your parents, in-laws, nieces, nephews, spouses, and children.
Premiums are constant from age 61 onwards	You can enjoy your old age hassle-free and peacefully with HDFC ERGO's Health Insurance. You can enjoy the best of health coverage with a brand that millions of people trust after 61 years of age.
Up to age 55, no health checkups are required	With us, you don't have to worry about health checkups. By doing so, you can be guaranteed that your time is valued and that your health and the health of your family will always be protected, no matter what happens.
Get more for less	Get a 5% discount on your premium when you purchase a 2-year policy. We offer a 10% discount on individual Sum Insured if you have more than two members in your family.

Inclusions of Medisure Super Top Up Plan

1. Pre & post-hospitalization care - Your pre-hospitalization expenses up to 60 days after admission and post-hospitalization expenses up to 180 days after discharge are covered, including diagnostics and investigations.
2. Procedures For Daycare - Today's medical advancements enable surgeries and treatments to be completed in less than 24 hours. You are also covered for that.
3. Inpatient Hospitalisation - Hospitalization is a testing time for all. With My:health Medisure Super Top Up Insurance, we ensure full coverage up to the sum insured without any sub-limits.

Exclusions of Medisure Super Top Up

1. Injuries from adventure sports - Adventure sports can give you an adrenaline rush, but when accidents occur, they can be dangerous. Adventure sports accidents are not covered by our insurance policy.
2. Injuries caused by oneself - We don't want you to hurt yourself, even though you might think of doing so. Self-inflicted injuries are not covered by our policy.
3. War - There can be disasters and unfortunate outcomes associated with war. However, war-related claims are not covered by our policy.
4. Operations caused in defense - It is not covered by our policy if you are involved in defense (Army, Navy, or Air Force) operations.
5. Veneral and sexual disease - Your disease is critical, and we understand that. It is important to note, however, that our policy does not cover venereal diseases or sexually transmitted diseases.
6. Obesity treatment or cosmetic surgery - It is not covered by your insurance policy to treat obesity or undergo cosmetic surgery.

Deductibles

What are they? - The deductible is the fixed amount an insured pays out-of-pocket before an insurance company pays the balance.

Aggregate Deductible: What is it? - During a policy period, the sum of all claims incurred by the insured.

Aggregate Deductible: How does it work? - Assume you have bought my health Medisure Super Top-up policy with Rs. 3 lac aggregate deductible and a 7 lac sum insured. You will be paid the balance amount incurred up to a maximum of seven lacs if there is more than one claim during the policy period.

FAQ

Super Top Ups: what are they?

You can add it to your existing health insurance plan to increase your coverage for medical expenses and to give you a higher sum insured. If you already have a plan, you can take it as a top-up or as an independent policy.

Why should I buy a Super Top Up?

Providing broader coverage at an affordable price, Super Top Up helps increase the amount insured and provides wider coverage when your existing medical coverage is not sufficient.

Is there a deductible and how does it work?

A deductible is the amount you pay toward your health care expenses before your insurance plan pays. Each plan varies in terms of the amount of the deductible, and it can be crossed once or multiple times in one policy year, depending on the plan.

Is Super Top Up going to cover my pre-existing diseases?

Only after 36 months of continuous coverage will pre-existing diseases be covered by Super Top Up.

Is there a waiting period?

There is a 36-month waiting period (or 3 years) before Super Top Up starts covering pre-existing conditions.

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