Hi,

You can apply for the super top-up policy from the same insurer by disclosing the surgery details, along with any any past or present health issues, follow up papers and reports after the surgery.

If the insurer rejects the proposal, then apply to other insurers. Hopefully someone should accept.

Thank you

Dear Sumeet

I dont think any insurance company will accept the risk post bypass surgery.

Ypu can apply cardiac specific plan but that may try expensive.

Best wishes

Shailesh

Insurance Samadhan