HDFC Ergo
myHealth Medisure Super Top-up
HDFC ERGO’s MyHealth Medisure Super Top-Up is a smart way to boost your health cover without burning a hole in your pocket. It kicks in after your base policy (or out-of-pocket spend) crosses a chosen deductible, making it great for handling large hospital bills. Coverage ranges from ₹3 lakh to ₹20 lakh, with deductibles starting at ₹2 lakh. You get pre- and post-hospitalisation (30/60 days), day care, and in-patient AYUSH—without sub-limits on major hospital costs. With individual and floater options, lifelong renewability, and smooth claims, it’s a solid, budget-friendly safety net against rising medical costs.
What's good here?
You most likely don't have to split the bill
If you bought this policy, you have to pay 10% of the bill every time you make a claim after you turn 80. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
If you bought this policy, you have to pay 10% of the bill every time you make a claim after you turn 80. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
What's bad here?
Maternity benefits not offered
TODO
Doctor consultations are not covered
TODO
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
What's lacking here?
No Restoration Benefit
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.
Frequently Asked Questions
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