HDFC ERGO my health Medisure Super Top Up Insurance a policy that works alongside your current health insurance policy and enhances it to provide you a larger coverage at a much lower premium. You can opt for this policy even if you don’t have an existing health insurance policy. The initial expenses (called deductible) can either be covered by your current policy or can be paid by you. Once this deductible amount is crossed, my:health Medisure Super Top Up Insurance becomes active and pays the excess amount. This policy is not only extremely affordable but also simple to purchase as it doesn’t require you to undergo medical tests upto the 55 years of age, if you have no existing illness. The premium gets fixed at 60 years and remains the same and can be renewed lifelong.