L&T Medisure Super Top Up Plan

18 Years and above.Children from 91 days to 23 years.

Health insurance top up with individual and floater sum insured options

2 years

Lifelong

Rs.3 lakhs to Rs.20 lakhs over the deductible (cover from base health plan)

10% discount when 2 or more family members are enrolled in single policy with individual sum assured

All people enrolled in the policy above 80 years of age will have to co-pay 10% of overall expenses for every claim made.

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 treatmentPre-existing conditions will be covered after a waiting period of 3 yearsDay care procedures lasting for less than 24 hours.

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.

Not available

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 coveredCataract, 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.