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Parent Health insurance: query on coverage of super top up

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25 Dec, 2021 by  Saurabh Gupta


I had taken a my:health Medisure Super top Up policy (cover of 20lacs post deductible of 5lacs) from HDFC Ergo for my mother in April 2016 and continuing regularly post that.

She was detected with cancer in Nov 2020. She has to take chemo/ immunotherapy every three weeks in day care.

My questions are

1) The policy will apply deductible on aggregate expenses across multiple visits (within the insured period of 1 year) to day care center or it needs to be a single visit with hospitalisation expenses over the deductible amount?

2) assuming the deductible is applicable on aggregate expenses of multiple visits, what is the paperwork required by HDFC Ergo for claim processing in such cases?



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1 Answer

25 Dec, 2021
CEO, Insurance Samadhan

Dear Saurabh

Mostly Hospital gives a package of treatment . Ask them to give you complete estimate and submit to HDFC in advance .

Once estmate is approved then submit all bills upto the deductible then HDFC would start paying you without any problem .

Hope this clarifies

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