HDFC ERGO My Health Medisure Super Top Up Insurance Plan: Easy Guide in 2025

My Health Medisure Super Top Up Insurance Plan is the HDFC ERGO.
Healthcare in India is becoming expensive with each passing year. Families are increasingly becoming fully aware of the necessity of health insurance with some additional protection. To this effect, the HDFC ERGO My Health Medisure Super Top Up Insurance Plan is created. It gives you the additional financial buffer on your current health cover when the policy sum insured is exhausted.

This scheme is super top up policy. Once an amount on your hospital bill goes beyond a specific limit, it will start covering any additional claim by you throughout the term of your policy. Most of the population seeks a credible top up medical cover to ensure that even when their basic policy runs out they will not have to strain financially due to huge hospital bills, surgery costs or even treatments.

By 2025, the popularity of the high value health cover and the flexible top up plans will have increased because of the increasing disease levels, prolonged stay of patients in hospitals and medical inflation. HDFC ERGO My Health Medisure Super Top Up insurance plan guarantees an easy top up with a new world of coverage extensions, extended cover, and easy claim settlement.

So what is the Super Top Up Plan?

A super top up provides cover to you when your total hospital bills in a full year exceed a specified figure referred to as deductible. The peculiar feature is, it takes into consideration accumulated expenditures in a policy year as not one bill only.

Eg: say you have 5 lakhs as a basic policy and a super top up plan with 5 lakhs as deductible and 10 lakhs as cover; then once you have paid a total of 5 lakhs in a year towards the hospital then super top up covers next 10 lakhs of expenses.

The same assists in situations when you or your family are hospitalised twice or more times annually or greater amounts than the sum that is covered by your current health policy can cover in terms of high bills.

Expert Insight: Do you know that super top up plans have now turned the first choice of the many Indians, who wish to extend their coverage, without doubling their premium amount on their basic policy? Such plans come in especially handy to senior citizens and familial groups that have a history of medications.

What Can Be Considered as the Highlights of the HDFC ERGO My Health Medisure Super Top Up Plan?

The selection of a top up policy is based on what it has to provide as an extra value. The key highlights of this particular plan 2025 are enumerated below:

• The options of deductible begin at a limit of 2 lakhs, ranging to 10 lakhs
• Sum insured available: 3 lakhs to 20 lakhs
• The individual cover as well as family floater
• Covers several members such as self, spouse, dependent children, parents and inlaws
• 60 days and 90 days pre and post hospitalisation expenses were covered
• Capping of room rents
• Advantages of day care treatment Day care use The day care is a therapeutic facility utilized by several individuals at a given time.
• Inclusion in domiciliary hospitalisation
• Accident/emergency ambulance cover
• Coverage on organ donor expenses
• Lifetime renewability
• Section 80D tax advantage of Income Tax Act

More recent developments in 2025 now incorporate the development of digital claims submission and tracking 24x7. This saves paperwork and time to Indian policyholders.

To Whom Should a Super Top Up Health Policy Be Sold?

Such a top up plan is quite suitable to:

• The type of families and individuals that are already enrolled in base health policies yet they desire greater coverage
• They whose sum insured under policy of the employer or corporate group is insufficient.
• Individuals who have elderly parents or dependents that require extra money in health funds when accidents happen.
• Middle and upper middle household, who require value for money insurance coverage in respect of major surgeries or critical illness cover
• People who are concerned about medical inflation and high hospital bills in metro or tier 1 cities

Did you realize that IRDAI recorded 30 percent increase in the purchase of the top up health policies in India between 2023 and 2024? This trend is expected to further increase even in 2025.

What is included in HDFC ERGO Super Top Up Medisure Policy?

The policy offers wide health coverage against majority of major treatments and diseases in India, once your deductible is covered. Some covered benefits are:

• In-patient hospitalisation
• Pre and post medical expense reimbursement in cases of hospitalisation
• The cost of hospitalisation by organ donors
• Day care procedures that do not require 24 hour admission
• Treatment of accidental and common diseases
• Emergency ambulance to policy limit
• Hospitalisation at a Domiciliary basis with good reasons

The scheme facilitates convenient cashless treatment at network hospitals spread across the nation and claims settlement of 100 percent on the basis of the sum insured chosen.

What The Plan Does Not Cover?

As with all insurance contracts, there are a few exceptions that would prevent allegations of misuse or excessive claims. The following are the most common exclusions to this plan;

• Any deductible-level claim that is made within that given year
• 30 days waiting period (not including accidental injuries)
• Cosmetic or aesthetic surgery not needed out of necessity
• Rest cure or restorative treatments in hospital Others Hospitalisation Mental recovery After the discovery of X-rays Hospitalisation Hospitalisation rejuvenation procedures What is mentioned here is double hospitalisation, because whatever followed the discovery of the X-rays, was rest cure or rejuvenation methods in hospital.
• Unless declared, pre existing diseases within first 36 months are not covered by the extra premium except such diseases are covered
• War, riots and engaging in risky sport claims

The official policy brochure should always be read to have complete and up-to-date exclusion list because regulations change and may not be the same in 2025.

Pro Tip: Most of the Indians assert after going through the policy wording carefully. Clarity on what is covered and what is not limits confusion and slows down the process of claim settlement.

Does HDFC ERGO My Health Medisure Super Top up policy cost very high?

In 2025, the price of top up health policies is far less than the cost of purchasing high amount insured base health policy. The premiums are dependent on:

• Age of every family member insured
• Selected deductible amount (higher the deductible, lower the premium)
• Super top up sum insured

An average adult of 35 years of age will get a 5 lakh deductible and a 10 lakh cover at a premium between 2,500 to 3,500 per year based on his/her status of health and the city.

When the spouse, children and the senior citizen parents are added to the premium, it will increase but by a far lower amount as compared to choosing an individual base health insurance of 15 lakh, 20 lakh and so on.

Is It Possible To Pit Super Top Up Against Regular Top Up Regimes?

It is common to get confused between “top up” and “super top up” policies. And here is a brief numerical illustration of 2025:

The difference between a super top up and top up is that all the medical spending in a year is counted in a super top up whereas a top up counts only one claim. Super top up policies provide a greater peace of mind in modern times whereby health problems can mean the individual makes numerous visits to the hospital.

Pros and Cons of the HDFC ERGO Super Top Up Plan.

This is an easy cost break down guide to easy decision making.

Pros:

• Large variety of sum insured and deductible choice
• Large hospital network facilities treated cashless
• Expensive room rental, no capping and hence applicable in large cities
• Insurance up to age 65 upon entry of senior citizens
• Fast and electronic settlement of claims
• Individual and family available policy

Cons:

• Premium rise beyond the age of 45 or 50 years
• The waiting period to cover existing diseases is three years
• Policy should be purchased using an already existing base plan in order to get maximum benefits
• Below the deductible Money is not covered

Believe it or not! InsuranceIndia Magazine survey conducted in 2024 rated HDFC ERGO at 4.7 out of 5 in terms of their Medisure support team services particularly in digital claim assistance.

The procedure of Making a Claim in the HDFC ERGO My Health Super Top Up Plan.

Claiming under HDFC ERGO is a hassle free exercise more so with little more digitalized procedure in 2025.

Using BSNL Mobile Number for cashless insurance.

• Respond to the customer care or communicate via the HDFC ERGO mobile app in case of hospital setting
• Present your e-health card and photo identification at the network hospital desk
• direct transportation of claims documents to insurer by hospital
• On approval, the company settles your bills (above deductible) directly with hospital

On the reimbursement claims:

• Intimate insurer under 24 hr of admission up to 7 days of discharge
• Copy your all bills, discharge summary, prescriptions, reports
• Online or in the branch office
• It takes 5 to 10 working days to process the company once deductible limit is reached

SMS, app and a customer care number provide claim tracking.

Is It Easy to Port or to Renew this Policy?

Top up policies can be ported and can be renewed throughout life.

• Under this plan, there is no age limit of renewability of the plan-Lifetime renewability plan
• Other policies of best up insurance will be permitted to transfer as long as they adhere to the IRDAI rules
• Sum insured or deductible can be increased or decreased at renewal with such changing needs
• The renewal premium is to be paid within 30 days and grace period 30 days

This is an advantage because it is adjustable in case your family expands or you may want to alter your health requirements in several years.

What Do Real Customers Report in 2024 2025 on This Plan?

By 2025, the customers will appreciate the following aspects:

• Quick claim and query service on customers Fast response rates
• Digital interface that is easy to use by the old and young
• Cheap premium even on sum insured more than 10 lakhs
• Reminder by simple SMS email of renewal required
• Good claims experience when there are big bills
• The waiting period on pre-existing illnesses is the only negative comment that is made.

Believe it or not! This plan has been rated at 4.5 out of 5 stars by customers on fincover, major Indian websites with a legacy of honesty with content.

Short summary TL;DR

In 2025, HDFC ERGO My Health Medisure Super Top Up Insurance Plan is a value-based money add-on health insurance. It becomes effective once your basic health policy cover is spent or a cumulative amount of hospital bills exceeds the chosen deductible. It also consists of flexible sum insured options, lifetime renewable, digital claims, and comprehensive network hospitals coverage at low premium. The primary one is a waiting period preexisting diseases. Families or individuals wishing to increase their medical protection in India can make a wise decision by using it.

People also ask

Is it possible to purchase the HDFC ERGO super top up without purchasing the base policy?

No, you must have the normal health insurance cover with any insurance company since the super top up only begins after your declared deductible amount being in most cases your basic cover used up.

At which age should one enter this policy?

The age of entry is 18 years to 65 years in case of adults and also there may be dependent children aged 91 days to 23 years.

Will I be able to list my parents in this plan?

Yes, in case of a family floater top up or an individual super top up you can include the parents and parents-in-law.

Does it include coronavirus and new age diseases?

Of course, COVID19 and other pandemic-like afflictions that are admitted and hospitalised will be covered as long as they satisfy standard coverage qualitations and beyond the deductible amount.

What is the time difference between policy claims?

The reimbursement claims are normally paid within 5 to 10 working days after completion of all paper work and its final approval.

More queries? The 24x7 HDFC ERGO helpline is useful to customers as it helps them to get their doubts on the plans clarified instantly.

Sources:

• HDFC ERGO Offical Product Page
• Health Insurance Annual Report by IRDAI