HDFC ERGO my:health Medisure Super Top Up Insurance

• Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
• 10,000+ hospitals for cashless treatment
• Claim up to Rs. 55,000 deduction under section 80D**

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.

Eligibility for HDFC ERGO my:health Medisure Super Top Up Insurance

The policy is available for anyone who meets the specified eligibility criteria set forth by the company.

• The proposer must be between 18 years and 65 years of age.
• Dependent children between the age of 3 months and 23 years can be covered provided that both their parents are enrolled in this policy.

Features of HDFC ERGO my:health Medisure Super Top Up Insurance

Some of the key features of the HDFC ERGO my:health Medisure Super Top Up Insurance is as follows:

• This policy comes with flexible deductible options ranging from Rs.2 lakh to Rs.5 lakh based on the requirements of the insured.
• Family members of the primary insured can also be covered under the same policy. The premium charges for the cover will increase depending upon the number of family members included in the cover.
• Sum insured offered in this policy is also quite flexible, and it ranges from Rs.3 lakh to Rs.20 lakh.
• The company guarantees a 6-hour response for all cashless treatment claims.
• This policy is available in 1 or 2 year terms. There is a 5% discount for policyholders who opt for a two-year term.
• There is a family discount of 10% if two or more members of a family are covered under this policy.
• Pre-acceptance medical examination is not required if the insured person is less than 55 years of age.
• Lifelong renewability option is available for all policyholders. The premium amount remains stable for policyholders over 61 years of age, and it does not increase further with age.
• Pre-hospitalisation medical expenses are covered for up to 30 days prior to the date of hospitalisation.
• Post-hospitalisation medical expenses are covered for up to 60 days after discharge from the hospital.
• Pre-existing medical conditions are covered after three years of continuous policy coverage.
• There is a free-look period for 15 days during which time customers can cancel the policy without incurring any charges.
• For certain pre-existing conditions such as diabetes, hypertension, or kidney ailments, a premium loading of 10% to 40% is necessary.
• Mandatory copayment of 10% is required for policyholders who are above 80 years of age.

Benefits of HDFC ERGO my:health Medisure Super Top Up Insurance

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.

Exclusions of HDFC ERGO my:health Medisure Super Top Up Insurance

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.

• Coverage for domiciliary hospitalisation expenses
• Coverage for ambulance expenses
• Any expenses related to pregnancy, childbirth, or abortion
• Genetic disorders and stem cell treatments
• Dental treatment of any kind unless necessitated by an accident
• Any kinds of cosmetic or corrective surgeries
• Any kinds of birth control procedures
• Treatment for general debility, aging, and convalescence
• Any injuries caused while under the influence of alcohol or drugs
• Any injuries caused while breaching the law with criminal intent
• Expenses related to the treatment of AIDS, HIV, or sexually transmitted diseases
• Cost incurred during alternative medical treatments
• Weight management or obesity treatments of all kinds
• Injuries attributed to war or warlike activities

Claim Procedure

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.