You need health cover regardless of what you take two at a time - pills or stairs.
  • L&T Medisure Super Top Up Plan

    L & T Health Insurance

    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 health insurance plan.

    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.

    Other Health Insurance Plans from L&T

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