HDFC ERGO myHealth Medisure Super Top-up

Secure your savings with a robust super top-up plan.

Plan Overview

myHealth Medisure Super Top-up Insurance is designed to share the burden of your healthcare expenses. It covers the amount above your deductible, whether from a single claim or cumulative claims in a policy year.

Key Features

Aggregate Deductible

Deductible applies to the total of all claims in a policy year.

No Sub-limits

No sub-limits on room rent or doctor fees.

Detailed Features

In-patient Hospitalization

Covers expenses for room rent, ICU, and practitioner fees exceeding the deductible.

Pre & Post Hospitalization

Medical expenses incurred 60 days before and 90 days after stay are covered.

Day Care Procedures

Covers medical expenses for procedures requiring less than 24 hours of hospitalization.

Unique Selling Points (USP)

Enhanced Coverage

Significantly increases your health cover at an affordable premium.

Financial Security

Safeguards your savings against catastrophic medical expenses.

Flexibility

Can be purchased with any existing base health policy regardless of insurer.

Peace of Mind

Ensures preparedness for unexpected emergencies without financial strain.

Eligibility & Key Highlights

Eligibility Criteria
  • Min Age: 91 days to 65 years (Entry)
  • Family Type: Floater option available
  • Renewability: Lifelong renewal available
Plan Highlights
  • No Sub-limits: No limits on room or doctor fees
  • Deductible: Aggregate deductible applies
  • Benefit: Save tax u/s 80D

Comprehensive Policy Benefits

  • Room Rent & Nursing: Covered with no sub-limits on room category.
  • Medical Staff: Fees for surgeons, doctors, and anesthetists are covered.
  • ICU & Procedures: ICU charges and specialized procedure costs included.

  • Pre & Post Hospitalization: Coverage for medical expenses related to claim.
  • Aggregate Deductible: Benefits trigger once total expenses exceed deductible.
  • Emergency Ambulance: Road ambulance charges covered for transport.

Exclusions

It's important to be aware of what is not covered by the policy:

  • Pre-existing Diseases: Covered after a waiting period, typically 2-4 years.
  • Initial Waiting Period: Generally, 30 days for all illnesses (except accidental injuries).
  • Specific Diseases/Procedures: Certain treatments have a waiting period of 1 or 2 years.
  • Non-Medical Expenses: Items like toiletries, cosmetics, and administrative charges are not covered.
  • Hazardous Activities: Injuries sustained from participation in dangerous sports or activities.

Downloads & Resources

Product Brochure
Detailed plan benefits
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Product Page
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