myHealth Medisure Super Top Up in one table
Claim settlement and complaint figures are IRDAI-published and held centrally by nyvo, not taken from the insurer's marketing.
What myHealth Medisure Super Top Up covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from HDFC ERGO's own policy wording.
Swipe the table sideways to see every column.
| Feature | This plan | What good looks like |
|---|---|---|
| The insurer behind it | 97.8% of claims settled, 8.3 complaints per 10,000, and about 16,000 network hospitals | Strongest combination in the category |
| How the deductible works | Annual aggregate. Every claim in the policy year counts towards the same deductible, so several smaller admissions can cross it together rather than each facing it separately. | Aggregate is better than per-claim |
| Deductible options | ₹2 lakh (with ₹3 lakh or ₹8 lakh of cover), ₹3 lakh (₹7 lakh or ₹12 lakh), ₹4 lakh (₹6, 11 or 16 lakh) or ₹5 lakh (₹5, 10, 15 or 20 lakh) | Match it to the cover you already hold |
| Cover above the deductible | ₹3 lakh to ₹20 lakh, in set pairings with the deductible | ₹50 lakh or more for a metro family |
| Entry age | 18 to 65 years for adults; children from 91 days to 23 years. Renewable for life. | Most top-ups close entry at 65 |
| Co-payment | 10% of every claim for anyone insured who is above 80 | No co-payment |
| Medical tests | Needed above age 55, or at any age if you declare a pre-existing condition. HDFC ERGO refunds 50% of the test cost if it accepts the proposal. | Tests at purchase make a later dispute harder |
myHealth Medisure Super Top Up waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Pre-existing disease | 36 months of continuous cover |
|---|---|
| Specified diseases and procedures | 24 months of continuous cover |
myHealth Medisure Super Top Up exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where myHealth Medisure Super Top Up falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
myHealth Medisure Super Top Up questions, answered
Do I need an existing policy to buy this?
In practice, yes. It only pays once the year's admissible bills, added together, cross the deductible you choose, so the year's bills up to that figure are yours. It is designed to sit on top of a retail policy or an employer's cover.
What does 'annual aggregate' deductible mean?
Every claim in the policy year counts towards the same deductible rather than each claim facing it separately. Three admissions of ₹80,000 against a ₹2 lakh deductible cross it together; under a per-claim deductible none of them would.
How do I choose the deductible?
Set it at or just below the cover you already hold, so the two meet without a gap. A deductible far below your existing cover means you are paying twice for the same rupees.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other HDFC ERGO plans we have read
HDFC ERGO files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.