L&T - Medisure - Super Top-up
Company Overview
L&T General Insurance Company Limited is a wholly owned subsidiary of Larsen & Toubro Limited. The company offers all types of General and Health insurance products. With state-of-the-art technology, L&T General Insurance aims to provide seamless service to the customers
Contact Details
Toll free Number-1800-209-5846
Email Address-help@ltinsurance.com
Product Overview - L&T Medisure Super Top-up
L&T Super Top-up Plan is an affordable option of upgrading your policy. A super top-up Policy takes into consideration the sum total of all the bills in a year and not just the single instance during a claim and its is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required.
Unique Features - L&T Medisure Super Top-up
Pre-Existing covered after 3 years.
No Medical Test up to 55 years.
No Sub limit on Room Rent.
Critical Features - L&T Medisure Super Top-up
Room rent
Limits imposed towards room and ICU rent expenses
- No Sub limit on Room Rent
No Claim Bonus
This Plan does not have no claim bonus benefits
Co-Pay
Specific % of admissible claim amount to be borne by Insured
- This plan has 10% co-payment at age of 80 years and above
Pre-Existing Diseases
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
- This plans has a waiting period of 3 years is case of pre-existing diseases
Eligibility Criteria - L&T Medisure Super Top-up
| Product Name | L&T-Medisure Super Top up | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Age of Entry | Children-91 days to 23 years/Adults-18 years | ||||||||||||
| Maximum age of Entry | 65 years | ||||||||||||
| Renewal Age | Life Long Renwal | ||||||||||||
| Policy Tenure | 1& 2yrs | ||||||||||||
| Premium Calculated on Basis of | Age, (i.e. sum Insured Choosen) | ||||||||||||
| Deductible Amount | Sum Insured | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 Lacs | 3 Lacs | 8 Lacs | _ | _ | |||||||||
| 3 Lacs | 7 Lacs | 12 Lacs | _ | _ | |||||||||
| 4 Lacs | 6 Lacs | 11 Lacs | 16 Lacs | _ | |||||||||
| 5 Lacs | 5 Lacs | 10 Lacs | 15 Lacs | 20 Lacs | |||||||||
Product Benefits - L&T Medisure Super Top-up
| Critical Features | ||||||||
|---|---|---|---|---|---|---|---|---|
| Sub Limit-Room Rent/ICU | No Sub limit on Room Rent | |||||||
| Initial Waiting Period | 30 Days | |||||||
| Coverage-Pre Existing Disease | 3 Years | |||||||
| Coverage-Specified Surgeries | 2 Years | |||||||
| Co payment | 10% co-payment at age of 80 years and above | |||||||
| Important Features | ||||||||
|---|---|---|---|---|---|---|---|---|
| Pre Hospitalisation | 30 Days | |||||||
| Post Hospitalisation | 60 days | |||||||
| Day Care Process | 141 day care | |||||||
| Other Features | ||||||||
|---|---|---|---|---|---|---|---|---|
| Health Check up | Not Covered | |||||||
| Road Ambulance | Not Covered | |||||||
Add-ons - L&T Medisure Super Top-up
Not Available
Additional Discounts - L&T Medisure Super Top-up
- Family Discount of 10 % if 2 members or more family members.
- Discount for multi-year polices-5% discount for opting 2yr policy tenure.
Waiting Period - L&T Medisure Super Top-up
| Covered from Day 1 | : | Accidental Injuries |
| Covered after 30 Days | : | All incidences apart from specified surgeries & Pre existing diseases (if any) |
| Covered after 2 Years | : | Cataract, Hysterectomy other than for Malignancy, Uterine prolapse including any condition requiring Hysterectomy, Polycystic Ovarian Diseases, Myomectomy for Fibroids, Knee Replacement Surgery (other than caused by an Accident), Osteoarthritis and Osteoporosis if age related, Arthritis, Rheumatism, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertibral Discs(other than caused by accident), Varicose Veins and Varicose Ulcers, Hernia, Stones in the Urinary, Uro-Genital and Biliary Systems, Benign Prostate Hypertrophy, Hydrocele, Congenital Internal anomaly, Fistula in Anus, Piles, Fissures, Fibroids, Dilatation & Curettage for treatment purposes, Pilonidal Sinus, Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on Tonsils/Adenoids, Gastric and Duodenal Ulcer, any type of Cysts/Nodules/Polyps, and any type of Breast Lumps, benign ear, Nose and Throat disorders and surgeries Chronic Nephritis and Nephritic Syndrome, Hypertension and Diabetes and related complication. |
Exclusions - L&T Medisure Super Top-up
- Any claims arising out of or attributable to any of the following is not covered
- Genetic disorder and stem cell implantation/surgery
- Birth control procedures, hormone replacement therapy and voluntary termination of pregnancy during the first 12 weeks from the date of conception.
- Routine medical, eye and ear examinations, cost of spectacles, laser surgery for cosmetic purposes or corrective surgeries, contact lenses or hearing aids, vaccinations,related to HIV and sexually transmitted diseases.
- Problems including attention deficit hyperactivity disorder,Congenital external anomaly/ies or defects, sterility, infertility including IVF, impotency, venereal disease, puberty, menopause or intentional self-injury, suicide or attempted suicide.
- Any substance, intoxicant, drug, alcohol,any mental illness,Any cosmetic surgery,Charges incurred primarily for diagnostic, X-ray or laboratory examinations or other.
- Civil war, public defense, rebellion, revolution, insurrection, military or usurped power
- Ambulance charges, domiciliary expenses.
Tax Benefits - L&T Medisure Super Top-up
- You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
- Self, Spouse, Childrens- Up to Rs 20,000/-
- Parents-Up to Rs 25,000/-
- Parents (Senior Citizens)-Up to Rs 30,000/-
Claim Process - L&T Medisure Super Top-up
Insurer has to be intimated 72 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. Fo reimbursement claims the final claim documents have to reach the insurers office within 30 days of discharge from the hospital.
Claims Intimate at toll free-1800-209-5846 & Email Id-help@ltinsurance.com
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