HDFC ERGO, a leading general insurance company in India, offers a range of insurance solutions including health insurance, travel insurance, vehicle insurance, personal insurance, etc. HDFC ERGO Medisure Super Top Up Insurance is one of the health insurance products offered by the company. This is a policy that you take in addition to an existing health insurance cover. If the medical expenses exceed the existing health cover, this top up plan will kick in and provide additional coverage for the policyholder up to the specified sum insured limit.
The policy is available for anyone who meets the specified eligibility criteria set forth by the company.
Some of the key features of the HDFC ERGO my:health Medisure Super Top Up Insurance is as follows:
Being a top up policy, the coverage begins after the deductible is exhausted in the original insurance cover. Once the coverage begins, all kinds of medical expenses are covered under this policy. Some of the key benefits offered by this policy can be listed in the following table.
|Hospitalisation expenses||Covered up to the sum insured limit|
|Day care procedures||Coverage available for all conditions up to the sum insured limit|
|Sum insured||Rs.3 lakh to Rs.20 lakh|
|Deductible options||Rs.2 lakh to Rs.5 lakh|
There are certain conditions for which insurance coverage is not provided by HDFC ERGO. Some of the key exclusions under this cover can be listed as follows.
To know about the claim procedure, the company’s customer service departments can be accessed anytime. Pre-authorization is required for cashless treatment in a hospital. HDFC ERGO promises that authorization will be provided within 6 hours of contacting the company. Once the authorization is received, the patient can receive cashless treatment in any of the company’s network hospital.
For reimbursement claims, the claim form must be filled and submitted to the company along with all the hospitalisation bills and proofs. The company guarantees that response will be provided within 6 days of document submission. Once the claim is approved by the company, policyholders can get reimbursement for the medical expenses.
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