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HDFC ERGO My Health Medisure Super Top Up Insurance

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HDFC ERGO my health Medisure Super Top Up Insurance Policy Review 

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.


Key Features of HDFC ERGO my health Medisure Super Top Up Insurance Policy

  • Get coverage ranging from Rs. 5 lakhs to Rs. 25 lakhs at a nominal cost with medical expenses over and above Rs. 2 lakhs to Rs. 5 lakhs.
  • In-patient hospitalization expenses without sub-limits
  • No medical tests upto the age of 55 years if you have no pre-existing illness
  • Constant premium after 60 years of age
  • Entry age till 65 years


What is covered in HDFC ERGO my health Medisure Super Top Up Insurance Policy? 

  • Pre and Post-hospitalization medical expenses
  • Expenses for Pre-existing diseases
  • Day Care Procedures
  • Two year policy
  • Income tax benefit
  • Lifetime renewal
  • Family Discount
  • Free-Look Period
  • Individual and Floater Sum Insured Options
  • No Claims Experience Loading on Renewal
  • Co-payment 


Exclusions - What is not covered in HDFC ERGO my health Medisure Super Top Up Insurance Policy?

  • All pre-existing diseases / illness / injury / conditions as defined in the policy, until 36 months of continuous covers have elapsed since inception of the first policy with us.
  • If the below given diseases are pre-existing at the time of proposal or subsequently found to be pre-existing, Exclusion 1 above shall apply to:
    • Diabetes & Related complications including Diabetic Retinopathy, Diabetic Nephropathy, Diabetic      Foot/Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hyper/Hypoglycaemic Shocks.
    • Hypertension & Related complications including Coronary Artery Disease, Cerebrovascular Accident,     Hypertensive Nephropathy, Internal Bleed/Haemorrhages.
  • Any disease contracted and/or Medical Expenses incurred by you in respect of any illness during the first 30 days from the commencement date of the policy, except in case of accidental injuries. This exclusion doesn’t apply for those having any health insurance indemnity policy in India at least for 1 year prior to taking this policy as well as for subsequent renewals with us without a break.
  •   All expenses along with their complications on treatment towards following ailments/illness are excluded and will be covered after the first two years (24 months) of continuous operation of this insurance cover:
    • Cataract
    • Hysterectomy other than for malignancy
    • Uterine prolapse including any condition requiring Hysterectomy
    • Polycystic Ovarian Diseases, Myomectomy for Fibroids
    • Knee Replacement Surgery (other than caused by an accident)
    • Osteoarthritis and Osteoporosis
    • Arthritis, Arthroscopic Surgery, Rheumatism, Joint Replacement Surgery (other than caused by accident),    Prolapse of Intervertebral discs (other than caused by accident)
    • Varicose Veins and Varicose Ulcers, Hernia, Stones in the urinary, uro-genital and biliary systems, Benign     Prostate Hypertrophy, Hydrocele
    • Congenital internal anomaly
    • Fistula in anus, Piles, Fissures
    • Fibroids, Dilatation & Curettage for treatment purposes, Pilonidal sinus, Chronic Suppurative Otitis Media    (CSOM)
    • Deviated Nasal Septum, Sinusitis and related disorders
    • Surgery on tonsils/Adenoids
    • Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps, and any type of Breast lumps, benign ear, Nose    and Throat disorders and surgeries Chronic Nephritis and Nephropathy (Kidney diseases).
    • Hypertension and Diabetes and related complications


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