HDFC Ergo My Health Medisure Super Top-Up

This super top-up plan provides additional coverage over your existing health insurance. Once your chosen deductible is crossed, the super top-up pays all eligible hospitalization expenses without sub-limits. It works with or without an existing base health policy. Most super top-up plans in India also offer cashless treatment, lifetime renewability, and coverage for critical illnesses. Here are some key features of HDFC Ergo Medisure super top up:

• High Coverage at Low Premiums - Get substantial coverage for critical illnesses or hospitalizations without paying heavy premiums.
• Cumulative Deductible - Covers multiple claims in a policy year once the deductible is crossed.
• Flexibility - Can be paired with any base health insurance, making it ideal for families or individuals with existing health policies.
• Cashless Hospitalization - Avail cashless treatment at network hospitals for covered medical expenses.

Eligibility Criteria of Medisure Super Top

HDFC ERGO Medisure Super Top-up is available to individuals and families who meet the insurer’s standard eligibility guidelines. Entry is subject to age norms, underwriting requirements, and acceptance of proposal details as per policy rules. Coverage can be continued by maintaining timely renewals and complying with policy conditions. Eligibility may vary based on plan structure:

Benefits of Medisure Super Top Up

HDFC ERGO Medisure Super Top-up helps strengthen your overall health insurance protection by offering added financial support during major medical situations. It is designed to reduce the burden of high healthcare expenses while keeping premiums affordable. The plan adds flexibility to your existing coverage and supports better long-term medical planning. It also helps safeguard savings by providing an extra layer of protection when treatment costs rise unexpectedly. Here are its some benefits

1) In-patient Hospitalization – Covers room rent, ICU, doctor fees, nursing, medicines, anaesthesia, oxygen & other hospital charges with no sub-limits.

2) Pre & Post-Hospitalization – In Medisure super top up pre hospitalization is covered for 30 days and in post hospitalization it cover expenses for 60 days.

3) Day care Procedures – All medically necessary procedures requiring <24 hours hospital stay (excluding OPD/diagnosis only) covered fully.

4) Modern, Flexible Coverage - Lifelong renewability, No claim-based premium hike, Portability allowed as per IRDAI norms.

Optional Benefits of Medisure Super Top Up

HDFC ERGO Medisure Super Top-up offers optional benefits that allow policyholders to enhance their coverage based on personal healthcare needs. These add-on options provide extra financial protection and flexibility, helping reduce out-of-pocket expenses during major medical treatments. Medisure Super Top Up offers following add-on covers:

1. My Health Critical Illness - By opting this rider it pays sum insured on diagnosis of any of the listed 51 critical illness with sum insured of Rs 1 Lakh to 5 crore.

2. Hospital Cash Benefit – With this rider it pays you per hospitalization of an insured person due to illness or injury. Sum insured option is available from Rs. 500 per day to maximum Rs. 10000.

Waiting Periods of Medisure Super Top Up

HDFC Ergo Medisure Super Top-up comes with standard waiting period conditions as per policy terms. Certain illnesses and treatments may not be covered immediately and are applicable only after the specified waiting period is completed. These waiting periods are clearly defined in the policy document and apply from the policy commencement date. Here are some common waiting period in this Medisure super top up plan:

1. Initial Waiting Period – 30 days (except accidental hospitalization)

2. Pre-Existing Diseases – Covered after 36 months, BP, Diabetes etc.

3. Specific Illness Waiting Period – 24 Months, Cataract, Joint replacement, Hernia, hydrocele, Kidney stones, gall bladder stones, Fibroids & gynaecological conditions, ENT disorders (DNS, tonsils, sinusitis), Osteoarthritis & osteoporosis etc.

Exclusions of Medisure Super Top Up

• OPD, dental (unless accident-related), cosmetic procedures
• Pregnancy & childbirth (except ectopic pregnancy)
• Genetic disorders, stem cell therapy
• HIV/AIDS, sexually transmitted diseases
• Mental illness, Alzheimer’s, Parkinson’s
• Injuries due to intoxication or substance abuse
• Adventure sports, war, nuclear events
• Non-medical consumables
• Domiciliary hospitalization
• Ambulance charges
• Organ donor screening

Claim Process of Medisure Super Top Up

1. Cashless Hospitalisation – Cashless hospitalisation allows you to get treatment without paying upfront at a network hospital. HDFC ERGO settles the medical bills directly with the hospital, making the experience stress-free during emergencies.
2. Reimbursement Claim – If you get treated at a non-network hospital, you can file a reimbursement claim after discharge.