I have a basic health insurance cover of ₹4 lakh from ICICI Lombard. I want to invest in super top up health insurance plan. I was recently contacted by L&T health insurance regarding their super top plan. On investigating, I found that the premiums charged by them are much lower than super top up plans offered by United Insurance and other companies. What is the catch here? Have they compromised on the features? There is no review of the plan on your website. Kindly let me know whether the L&T plan is a good option.
- Aarti Padmanabh Walimbe
You may go ahead with L&T Super Top Up plan. The policy has an additional co-pay clause which states that policyholders above 80 years should bear a co-pay of 10% for each and every claim.