Overview
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.
Experts Review
Written by Nikhil Nair
Senior Writer
If you want to add a strong layer of health protection without overspending, HDFC ERGO’s MyHealth Medisure Super Top-Up is a great pick. It’s designed to step in once your medical expenses cross a set deductible, making it ideal for large or repeat hospitalisations. You can choose a sum insured between ₹3 lakh and ₹20 lakh, with deductibles starting at ₹2 lakh. That means you get meaningful coverage without premium shock.
What makes this plan stand out is its simplicity and fairness. There are no sub-limits on room rent, ICU, or doctor’s fees, so you avoid those frustrating deductions at claim time. It covers day care procedures flexibly, even as medical technology evolves. AYUSH inpatient care is included too, and you get standard tax benefits under Section 80D. If you’re under 55 with no major health conditions, you don’t even need medical tests to apply.
There’s also no claim-based premium hike at renewal, which is great for long-term peace of mind. That said, keep in mind it’s a true super top-up. If your medical bills don’t exceed the deductible, the plan won’t pay out. So make sure the deductible matches your base policy or risk tolerance. Some exclusions apply, like outpatient treatments, cosmetic surgeries, and dental work unless injury-related. After age 80, a 10 percent co-payment kicks in.
Pros
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
Not very feature-rich.
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
HDFC Ergo
Key Insights
Founded
2002
HDFC Ergo was established 23 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98% claims settled in 30 Days
HDFC Ergo settles 98% of all claims it receives demonstrating strong credibility.
Network Hospitals
13,000+
HDFC Ergo has a strong network with over 13,000 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
7 complaints per 10,000 claims registered
HDFC Ergo maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Features
All
Great
Good
Co-payment
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.
Room Rent
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.
Disease sub-limit
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.
Pre existing diseases waiting
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.
Pre/Post hospitalization
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.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Services for terminally ill individuals addressing non-medical needs are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Hysterectomy (non-malignant)
Uterine prolapse (including conditions requiring hysterectomy)
Polycystic ovarian diseases
Myomectomy for fibroids
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered.
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Frequently Asked Questions
Does myHealth Medisure Super Top-up have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does myHealth Medisure Super Top-up have room rent restrictions?
Does myHealth Medisure Super Top-up offer a restoration benefit?
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