L&T Medisure Super Top Up Plan

The L&T Medisure Super Top Up Plan is a top up plan meant to supplement your primary health insurance policy with high sum assured at very low premiums. The plan is designed as a high paying-low costing health cover that will add more punch to your existing .

Features & Benefits of L&T Medisure Super Top Up:

Entry Age
  • 18 Years and above.
  • Children from 91 days to 23 years.
Basis Health insurance top up with individual and floater sum insured options
Policy Period 2 years
Renewability Lifelong
Sum Insured
  • Rs.3 lakhs to Rs.20 lakhs over the deductible (cover from base health plan)
Discount
  • 10% discount when 2 or more family members are enrolled in single policy with individual sum assured
Co-Payments All people enrolled in the policy above 80 years of age will have to co-pay 10% of overall expenses for every claim made.
Coverage
  • In-patient hospitalization coverage with no sub-limits on spending the sum insured.
  • Rs.3 lakhs to Rs.20 lakhs coverage over base plans/deductibles of Rs.2 lakhs and Rs.5 lakhs respectively.
  • Premium of Rs.2,472 for individuals below 35 years, Rs.2,719 for individuals between 36-45 years, and Rs.4,079 for individuals between 45-60 years.
  • Pre-hospitalization cover up to 30 days before hospitalization.
  • Post hospitalization cover up to 60 days after discharge.
  • Medical expense for domiciliary treatment
  • Pre-existing conditions will be covered after a waiting period of 3 years
  • Day care procedures lasting for less than 24 hours.
Benefits
  • Maximum entry age of 65 years.
  • Constant premium amount after the age of 60 years.
  • The policy can cover up to 4 people individually (2 children and 2 adults)
  • Claim settlements done in a year have no effect on future premium amounts.
  • Parents, parents-in-law, grandparents, grandchildren, son-in-law etc. can be covered on an individual sum assured basis.
  • Free look period of 15 days during which you can cancel your policy and request for refunds of premium paid.
  • Lifetime renewal with tax benefits under Section 80D.
  • No medical checkups for applicants under the age of 55 years and with no history of pre-existing illnesses.
  • No sub-limits on in-patient hospitalization.
  • Cashless hospitalization in network hospitals.
Add-ons Not available
Exclusions
  • Pre-existing diseases will not be covered for first 3 years of continuous cover.
  • Non-accidental hospitalization during the first 30 days of policy tenure.
  • Treatment outside India will not be covered
  • Cataract, hysterectomy, knee replacement, osteoporosis, arthritis, hernia, hydrocele etc. won’t be covered for first 2 years of policy.
  • Diabetes, hypertension, coronary artery disease etc. will be covered after 3 continuous policy years.
  • Individuals above 45 years will be subjected to pre-acceptance medical tests and approvals.

Find cashless network hospitals nearby: L&T Health Insurance Network Hospitals

*Note - Larsen & Toubro Limited has divested its complete stake in L&T General Insurance Company Limited. HDFC ERGO General Insurance Company Limited has bought stakes in L&T on June 3, 2016 through a share Purchase Agreement.

Other Health Insurance Plans from L&T:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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