Healthcare Insurance Plans | Check Your Insurance Coverage

HDFC Ergo

HDFC Ergo

myHealth Medisure Super Top-Up: A decent plan with a 20 lakhs top-up limit. It may not suffice for rare conditions, making it less appealing.

What We Like

This section highlights the strengths and benefits of myHealth Medisure Super Top-up policy by HDFC Ergo. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

Co-Pay for Claims After Age 80: If you bought this policy, you need to pay 10% of the bill for each claim after turning 80. Otherwise, the insurer cov...

You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of myHealth Medisure Super Top-up policy by HDFC Ergo. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

What We Don't Like

This section addresses the limitations and drawbacks of myHealth Medisure Super Top-up policy by HDFC Ergo. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No Cover for Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No Cover for Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

No Cover for Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Myhealth Medisure Super Top Up in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The MyHealth Medisure Super Top-Up Plan is designed to provide additional coverage over and above existing health insurance, ideal for covering high medical expenses.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

The deductible is the amount that must be paid out-of-pocket before the insurance coverage kicks in; this plan allows you to choose the deductible amount.

No, the MyHealth Medisure Super Top-Up Plan does not cover outpatient consultations.

Confused? Talk to our certified health insurance experts

If you're unsure about how to use your insurance for an upcoming surgery or need help understanding your current coverage, talk to an expert for FREE by clicking here. Book a call now, limited slots available!

Our Most Popular Treatments

Most Popular Treatment Costs

Book appointment Talk To Expert