HDFC ERGO Health Insurance Top Up Plans

A good top up plan can prove to be a lifesaver in case you have exhausted your basic health insurance coverage and you need some more cash to continue with your treatment. When used as a supplement to a health insurance plan, top up plans from HDFC ERGO offer all-around comprehensive healthcare coverage to the insured. 

As a joint venture between Germany’s renowned ERGO and HDFC Limited, HDFC ERGO has always been one of the top players in the Indian general insurance sector. The health insurance plans offered by this company are affordable and offer all-round coverage to the insured. HDFC ERGO health insurance top up plans provide basic in-patient hospitalisation along with other benefits such as hospital cash cover and critical illness cover.

HDFC ERGO offers two top up plans – my: health Medisure Super Top Up plan and Health Suraksha Top Up Plus Plan. This article will go over the details of the top up policy of HDFC ERGO health insurance.

HDFC ERGO Health Insurance Top Up Plans Highlights

If you have exhausted your basic health plan coverage and you need some more cash to continue with your treatment, the best way to do so would be to get a top up plan from HDFC ERGO. My: health Medisure Super Top Up plan and Health Suraksha Top Up Plus Plan offer all-around comprehensive healthcare coverage by ensuring that each policyholder is eligible for further treatment with the additional sum insured received from their respective top up policies.

The policy highlights include:

• Medisure Super Top Up offers constant premiums to policyholders from the age of 61.
• Medisure Super Top Up does not need pre-acceptance medical screening from policyholders below 55 years.
• Health Suraksha Top Up Plus Plan does not cap room rent
• Both plans offer a high sum insured
• Affordable premiums
• Big network of partnered hospitals

Types of HDFC ERGO Health Top up Plans

HDFC ERGO offers two top up health insurance plans:

1. my: health Medisure Super Top Up Plan

2. Health Suraksha Top Up Plus Plan

HDFC ERGO Top Up Plan: Key Features and Benefits

If you are still not convinced about HDFC ERGO top up plan, here are some benefits and features of the plan that makes it one of the most popular top up policies in the nation:

1. Constant Premiums

Growing old is inevitable and so is growing insurance premiums. So, what can you do to save on the cost of premiums? With an HDFC ERGO health insurance top up plan, you can enjoy the most comprehensive health and wellness benefits in India from a leading insurance company that has been trusted by millions of Indians. You pay consistent rates with Medisure Super Top Up Plan after the age of 61 and receive the greatest health coverage from a company trusted by millions of Indians.

2. No Pre-acceptance Screenings

Not everyone feels like going to get a pre-acceptance medical test. We want to get healthcare coverage without having to go to the doctor for a pre-acceptance test. This is where Medisure Super Top Up comes into play. Customers under the age of 55 are exempt from any pre-acceptance medical screening under Medisure Super Top Up.  This guarantees that our time is respected and that our and our family's wellness is always protected by a blanket of protection.

3. No Room Rent Limits

When you have health insurance, it does matter how much you pay for your room rent during the medical treatment. It also matters how much your health insurance provider is willing to reimburse you for the room rent. This situation, however, does not apply to Health Suraksha Top Up Health Insurance Plan. Unlike other top up health insurance plans, Health Suraksha Top Up Health Insurance Plan does not set caps on their room rent. So, you can get treated while enjoying the comforts of the best hospital rooms.

4. Discounts

Aside from complete coverage, the Medisure Super Top Up plan gives policyholders premium reductions. Choose a 2-year coverage and receive a 5% reduction on the set premium amount. If you want to insure a household of more than two people on an individual insured sum basis, you can get a 10% discount on the premium. This is how you can save money while getting comprehensive health insurance coverage.

5. Tax Benefits

Section 80D of the Income Tax Act offers tax benefits to anyone who is actively paying health insurance premiums. This tax deduction is set up to INR 25,000 for individuals under the age of 60 years. The same is set up to INR 50,000 for senior citizens who are 60 years old or older. Both scenarios include up to INR 5,000 tax deductions for preventive healthcare check-ups.

Inclusions of the HDFC ERGO Health Insurance Top Up Policy

Here is a list of coverages under both HDFC ERGO health insurance top up plans:

Health Suraksha Top Up Plus Policy Coverage

1. In-patient hospitalisation
2. Pre-hospitalisation (60 days)
3. Post-hospitalisation (90 days)
4. Day care treatment
5. Organ donor expenses
6. Domiciliary hospitalisation
7. Emergency ambulance cover

my: health Medisure Super Top Up Coverage

1. In-patient hospitalisation
2. Pre-hospitalisation (30 days)
3. Post-hospitalisation (60 days)
4. Day care treatment
5. Pre-existing diseases cover
6. my: health critical illness (optional add-on coverage)
7. my: health hospital cash (optional add-on coverage)

Exclusions of the HDFC ERGO Health Insurance Top Up Policy

Here is a list of the exclusions listed by HDFC ERGO health insurance top up plans:

• Medical expenses not exceeding the deductible amount
• Diseases during their specified waiting term
• Diseases during the initial waiting term
• Pre-existing diseases during their waiting period
• Injuries or illnesses resulting from any war act
• Alcoholism, substance, drug abuse consequences or treatment
• Involvement in the air force, military or naval operation
• Self-harm
• Outpatient treatment
• Congenital external diseases

Note: Please refer to the company policy wordings for the complete list of exclusions for each health insurance plan.

Eligibility Criteria

How to Buy the HDFC ERGO Health Top Up Policy?

Here is a breakdown of the process of purchasing an HDFC ERGO health top up policy:

1. Visit the Paytm Insurance site.
2. Click on ‘health insurance’.
3. Click on your favourite health insurance company from the drop-down menu.
4. Fill in the quick survey and select ‘Proceed’.
5. Provide your local pin code and age.
6. A new page full of health insurance plans will appear.
7. Compare the available health insurance policies and purchase the one you need online.

Things to Consider When Buying HDFC ERGO Health Insurance Top Up Plans

The following pointers you need to keep in mind when shopping for HDFC ERGO health insurance top up policies:

1. Deductible Amount

The deductible amount is the sum the insurance providers need you to spend in order for the top up policy coverage to kick in. The deductible amount for both top up plans varies greatly. It is highly recommended to take your time and choose your ideal deductible amount.

2. Sum Insured

The sum insured is the amount you will be covered for once the top up insurance coverage kicks in. The higher the amount, the better. However, the deductible amount and the premium amount rise with the sum insured amount. So, keep that in mind when looking for your ideal sum insured.

3. Policy Term

The Medisure Super Top Up policy discounts policyholders' premiums. Pick a good 2-year plan and get a 5% savings on the specified premium amount. If you wish to cover a household with more than two persons on an individual insured sum basis, you can earn a 10% premium reduction. This is how you may save money while still receiving complete healthcare coverage.

4. Premium

The premium amount can make or break an insurance coverage deal. Nobody wants to pay more than the coverage they receive. To help this be more suitable for policyholders, HDFC ERGO offers multiple discounts on their insurance plans.