Medisure Super Top Up Insurance

Acquire a large health Cover
for a much lower premium.

instant quote of my health insurance policy from L&T Insurance

With medical expenses skyrocketing in the recent years, staying adequately insured is the growing need of the hour. While you might already be insured under a health insurance cover, there might be a situation when you need more coverage, so that you don’t end up digging into your hard earned savings.

Presenting my:health Medisure Super Top Up Insurance - a policy that works alongside your current health insurance policy and enhances it to provide you a larger coverage at a much lower premium. The premium amount for a Rs 20 lakhs health insurance cover with a Rs 5 Lakhs deductible for an individual who is less than 35 years of age is only Rs 2200*(exclusive of service tax)

What’s more, you can opt for this policy even if you don’t have an existing health insurance policy. The initial expenses (called deductible) can either be covered by your current policy or can be paid by you. Once this deductible amount is crossed, my:health Medisure Super Top Up Insurance becomes active and pays the excess amount. This policy is not only extremely affordable but also simple to purchase as it doesn’t require you to undergo medical tests upto the 55 years of age, if you have no existing illness. The premium gets fixed at 61 years and remains the same also can be renewed lifelong, subject to change in base premium rates and service tax.

  • Reasons to choose my:health Medisure Super Top Up Insurance

    Get coverage ranging from Rs. 5 lakhs to Rs. 20 lakhs at a nominal cost with medical expenses over and above Rs. 2 lakhs to Rs. 5 lakhs:

    This policy offers a wide range of Sum Insured and deductible options. So, depending on your medical expenses, you can choose an option that best suits your needs. You can increase your health insurance coverage to Rs. 20 lakhs with 5 lakhs deductible at a premium of just Rs.2200 for an individual who is less than 35 yrs of age, Rs. 2420 for an individual in the age group between 36-45 yrs and Rs. 3630 for an individual in the age group between 45-60 yrs.(exclusive of service tax)

    In-patient hospitalization expenses without sub-limits:

    As long as the total cost of hospitalization is below the total sum insured that you have opted for and the claim is approved, we shall reimburse the total expense incurred. The expenses covered include medical towards your hospitalization on room rent /ICU/ Therapeutic Unit, Medical Practitioner fees, Anesthetist fees etc. 

    No medical tests upto the age of 55 years if you have no pre-existing illness:
    Taking this policy is quick and hassle-free. You don’t have to worry about undergoing medical tests, if you are below the age of 55 years provided there is no health adversity. 

    Constant premium at the age of 61 years & above:

    We understand your financial concerns as you get older and might retire. That’s why this policy offers a fixed premium at an age of 61 years & above so that there are no surprises in terms of the premium amount.

    Entry age till 65 years:

    The entry age for Super Top Up has been extended to 65 years making it accessible to older people too.
  • How does the policy work?

    You have opted for a Sum Insured of Rs. 8,00,000 and aggregate deductible of Rs. 2,00,000. The aggregate deductible is the amount that you or your existing health insurance policy will pay for medical expenses incurred. If you make 3 claims in a policy year and the total claim amount is Rs.10,00,000 then after the initial Rs. 2,00,000 (aggregate deductible) is paid by you or your current health insurance policy, the additional Rs.8,00,000 will be paid by us. Please note that any expenses over and above the Sum Insured chosen will not be paid by us.

  • Benefits offered by my:health Medisure Super Top Up Insurance

    • Pre and Post-hospitalization medical expenses: We understand that medical expenses start even before hospitalization and continue post hospitalization. That’s why we cover all medical expenses you incur upto 30 days before being admitted to a hospital and for 60 days after you have been discharged from the hospital.

    • Expenses for Pre-existing diseases:  You can rest assured that expenses incurred towards the treatment of pre-existing diseases that you have disclosed and accepted by us before the inception of the policy will be covered by us. Please note that such expenses will be covered only after 3 continuous renewals with us.

    • Day Care Procedures: The policy also covers the medical expenses incurred by you for treatment or procedures that requires less than 24 hours of hospitalization employed under general or local anesthesia. There is no static list for day care procedures in the policy, as advances in medical science lead to constant additions. So, even if it is a new procedure, you can stay stress-free, as we will cover it. However, this cover excludes diagnostic procedures and treatments taken in an out-patient department. 

    • Two year policy: We offer you the convenience of renewing your policy once in two years.

    • Income tax benefit:  You can get tax exemption on the premium paid under section 80D of the Income Tax Act.

    • Lifetime renewal: Age is not a factor when it comes to renewing this policy. You will be allowed to renew your policy every year irrespective of your age at the time of renewal. This way, you stay well protected against medical expenses even at an older age.

    • Family Discount: In case more than 2 members of family are enrolled in single policy with individual sum insured, then a discount of 10% on final premium is given

    • Free-Look Period:  It is possible that you might decide to opt out of the policy after buying it. We give you the option of cancelling the policy within 15 days from the date of receipt of policy documents, if you are not satisfied with the coverage and terms of the policy. We will refund the premium paid after adjusting the amounts spent on stamp duty charges, Medical examination (wherever applicable) and proportionate premium (if policy has already commenced). Refund will not be applicable if you have made a claim against the policy during that period.

    • Individual and Floater Sum Insured Options:  This policy gives you an option of covering your spouse and 2 dependent children. Your parents and parents in-law can also be covered in the same policy if it is on an Individual Sum Insured basis and in a separate policy on floater Sum Insured basis. One can cover grandparents, siblings, grandchildren, son-in-law, daughter-in-law, nephew and niece in a family on an individual Sum Insured basis.

    • No Claims Experience Loading on Renewal: Even if you make a claim during the policy year, we do not increase the premium to be paid at the time of renewal.

    • Co-payment:   All person(s) named in the schedule to this policy above the age of 80 years (age as of last birthday) shall bear a co-pay of 10% for each and every claim.

  • Check if you are eligible for my:health Medisure Super Top Up Insurance

    • Entry age is 18 years to 65 years for adults.

    • Children can be insured from the age of 91 days to the age of 23 years.

    • Your parents and parents in-law can also be covered in the same policy on an Individual Sum Insured basis and in a separate policy on floater Sum Insured basis.

    • You can also cover your family members as given below in a single policy on Individual Sum Insured basis.
    • Grand Mother 
    • Grand Father  
    • Brother  
    • Sister  
    • Grand Son 
    • Grand Daughter  
    • Daughter in Law 
    • Son in Law 
    • Nephew 
    • Niece 

    In case more than 2 members of family are enrolled in single policy with individual sum insured, then a discount of 10% on final premium is given
  • What the policy does not cover?

    • All pre-existing diseases / illness / injury / conditions as defined in the policy, until 36 months of continuous covers have elapsed since inception of the first policy with us.

    • If the below given diseases are pre-existing at the time of proposal or subsequently found to be pre-existing, Exclusion 1 above shall apply to:
    • Diabetes & Related complications including Diabetic Retinopathy, Diabetic Nephropathy, Diabetic Foot/Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hyper/Hypoglycaemic Shocks.
    • Hypertension & Related complications including Coronary Artery Disease, Cerebrovascular Accident, Hypertensive Nephropathy, Internal Bleed/Haemorrhages.

    • Any disease contracted and/or Medical Expenses incurred by you in respect of any illness during the first 30 days from the commencement date of the policy, except in case of accidental injuries. This exclusion doesn’t apply for those having any health insurance indemnity policy in India at least for 1 year prior to taking this policy as well as for subsequent renewals with us without a break.

    • All expenses along with their complications on treatment towards following ailments/illness are excluded and will be covered after the first two years (24 months) of continuous operation of this insurance cover:
    • 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
    • Arthritis, Arthroscopic Surgery, Rheumatism, Joint Replacement Surgery (other than caused by accident), Prolapse of Intervertebral 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 Nephropathy (Kidney diseases).
    • Hypertension and Diabetes and related complications
  • How to renew your policy?

    To renew your policy you can make a request to us before the expiry date. Please note that any change in health condition should be communicated to us, in writing, during the time of renewal. In case you fail to do so, we may consider the renewal as nullified. You can also renew the policy within 30 days from expiry subject to the fact that the premium for the renewal is received within the same period. In such a situation, you will be eligible to continuity benefits. Please note that we shall not be liable for any claims arising out of ailments/hospitalization during the period between expiry and renewal. To avoid considering the policy as a new one, ensure that the renewal is one within 30 days of due date.
  • HDFC General Insurance Limited Service Advantage

    We are a state-of-the-art, technology-driven company that has the caliber and expertise to provide world-class customer service. We combine innovative and unique product benefits coupled with seamless customer support to make sure our approach to your life is a thoughtful one. At HDFC General Insurance Limited, your health is our priority.

    • Claims Service Assurance:
      In the event of hospitalization, HDFC General Insurance Limited will ensure that the decision to provide cashless settlement is given within 6 business hours from the time you have intimated the claim to us. In case you opt for reimbursement of the medical expenses incurred, the claim will be settled within 6 working days of receipt of all documentation. We are immensely confident of keeping our promises and hence we offer you a service guarantee under which we will pay the insured a fixed amount of Rs.1000/- in the event of failure to keep our promise of the guaranteed response time.
    • 24 X 7 claims assistance
  • Claim Procedure

    • For cashless* hospitalization:
    • You will need to contact us at the contact numbers provided on your health card immediately.
    • You need to submit a cashless request form to us, along with all information and documents pertaining to the illness as required.
    • Our representative will guide you further and help you process the request. Based on the coverage under your policy, the cashless request will be approved.

    *Cashless facility is available only at our network hospitals.

    • For reimbursement of expenses:
    (At other hospitals outside of our network or at network hospitals where cashless is not availed)
    • You will need to collate the original bills along with other documents as required and submit it to the address mentioned in your policy schedule.
    In case of planned hospitalization, please inform us 72 hours in advance and in case of emergency within 24 hours of admission. Our claims settlement procedure is quick and transparent. For any kind of support or information, please call our toll free number 1800 209 5846. Undue delay in intimation of claim or submission of documents may prejudice a claim. To understand the claims process in detail, and to get a checklist of the documentation, please view the ‘claims process’ section.
  • How to cancel the policy ?

    In case you wish to cancel your policy, you may intimate us by giving 15 days notice in writing and we will refund the premium for the unexpired term as per the short period scale given below:

    In case of 2 year Policy
    If the cancellation is done before completion of 1 year: The above grid is applicable on first year Premium. The second year Premium will be completely refunded.
    If cancellation is done after completion of 1 year: The same grid as given above is applicable. However retention Premium on second year premium will be calculated on Annual Premium without long term policy discount. In all cases, a minimum premium amount of Rs. 250 per policy shall be retained by us.