HDFC ERGO health Medisure Super Topup

Features and benefits

May your health thrive always but what if there are times when even your existing health insurance is not enough to handle health issues? Don’t let rising medical costs keep you tensed for yourself and your family. With my: health Medisure Super Top Up, ensure the cushion of ample cover to get the best of medical treatment without any restrictions and limitations. It works alongside your current health insurance policy if you have any.


Higher Sum Insured at a lower premium with a range of deductibles.
Entry age till 65 years with lifetime renewal option
Constant premium from 61 years of age.
Cover for hospitalisation expenses with no sub-limits
No medical tests upto the age of 55 years.
Two Year Policy Period
Individual and Floater Sum Insured Options
Pre and Post-hospitalisation medical expenses
In-patient hospitalisation expenses
Tax Benefit under section 80D


  • Age:  Adult 18-55 Years, Child : 91 Days to 21 Year

  • Sum insured : 3 Lac, 4 Lac & 5 Lac

  • Policy Members : Self, Spouse, children, Parents, Max upto 4 Members

Terms and conditions

  • A change in the Sum Insured is allowed on renewals. Any enhanced Sum Insured during subsequent policy renewals will not be available for an illness, disease, injury already contracted under the preceding policy periods. All Waiting periods as defined in the Policy shall apply for this enhanced limit from the effective date of enhancement of such Sum Insured considering such Policy Period as the first Policy with Us. Sum Insured enhancement will be subject to Underwriting approval.

  • Based on the experience of the Product, Premium, terms and conditions may be revised subject to prior approval of Insurance Regulatory and Development Authority. Such revision shall be intimated to you 3 months in advance with an option of renewal under any similar Policy being issued by Us. However, benefits payable shall be subject to the terms contained in such other Policy. Individual Claims experience loading is not applicable under the Policy.

  • 10% co-payment will be applicable each and every claim after you have attained the age of 80 years.

  • The Company reserves its right to vary the premium from time to time subject to approval of IRDAI (Insurance Regulatory and Development Authority of India).

  • In case of an Insured event giving rise to a claim under the Policy, the insured should immediately intimate the company on the below mentioned contact details.

    Customer Service No: 18002666400






  • All pre-existing diseases / illness / injury / conditions as defined in the Policy, until 36 months of continuous covers have elapsed since inception of the first Policy with us.

  • Any disease contracted and/or Medical Expenses incurred by You in respect of any illness during the first 30 days from the commencement date of the Policy except in case of accidental injuries. This exclusion doesn't apply for those having any health insurance indemnity policy in India at least for 1 year prior to taking this Policy as well as for subsequent renewals with Us without a break

  • Co-payment: All person(s) named in the Schedule to this Policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim

  • Any treatment arising from or traceable to pregnancy, childbirth including caesarean section. However, this exclusion will not apply to Ectopic Pregnancy proved by diagnostic means.

  • Dental treatment or surgery of any kind unless necessitated due to an accident and requiring minimum 24 hours Hospitalization or treatment of irreversible bone disease involving the jaw which cannot be treated in any other way, but  not  if  it   is related  to  gum disease or tooth disease or damage.

Buy Online

“ On clicking the “BUY NOW” option, you will be re-directed to a third party web site. This is purely a referral service and is provided on a non-participation basis. Federal Bank is only facilitating access to the services of Insurer and the same is in no context a service offered by the Bank. By clicking the above link, you are accepting these terms and will be re-directed to the website of Insurer as per your request. Necessary fees may have to be paid by you to Insurer for availing the services. Please note that by clicking the “BUY NOW” option, you will be leaving Federal Bank's website and our policies, terms and conditions, disclaimers etc., will cease to apply once you leave our website. Federal Bank and its affiliates, subsidiaries, employees, officers, directors and agents shall not be responsible in any manner whatsoever for confidentiality of the data shared by you and for any loss, damage, costs & charges, direct or indirect incurred by you, arising out of or in connection with your access to the website of Insurer or for any deficiency in the services of Insurer or for the failure or disruption of the Insurer website. The use by you of any service, products or information hosted on the website of Insurer shall be at your sole risk and discretion. The information available on the said website is subject to change, updation, revision, verification and amendment without notice and such information may change materially. Grievances & concerns in this regard shall be reported to Insurer and settled accordingly, without recourse to the Bank.”

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HDFC Ergo Health Medisure Super Topup Disclaimer

HDFC Ergo Health Medisure Super Topup Disclaimer

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. The Federal Bank Limited (Federal Bank Ltd, Federal Towers, Aluva, Kerala, India – 683101.) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No.CA0227.UIN: my:health Medisure Super Top Up Insurance - IRDA/NL-HLT/L&TGI/P-H/V.II/31/14-15. UID: 4315.