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Get the Best Health Insurance Plan Online in India---Server Name(ltinsurance.gibl.in)

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Most Popular Policies of L & T General Insurance

  • L&T Health Medisure Prime Insurance Plan
    This family floater health plan boasts attractive benefits and useful features that any member of the family included in the coverage can avail.
    Key benefits of Medisure Prime Insurance Plan
    • Personal case manager is available in specified cities
    • Sum insured can be reinstated
    • Lifetime renewal option is available.
    • No sub-limits applicable
    • Free health check-up every alternate year
    Buy now
  • L&T Medisure Plus Insurance Plan
    This health insurance cover can be availed both as an individual or family floater plan.
    Key benefits of Medisure Plus Insurance Plan
    • Lifelong renewal option available
    • No co-pay up to 80 years
    • Coverage available for domiciliary treatment and day care processes
    • Rs. 1,000 on offer for medical check-ups in every two years
    Buy now
  • L&T Private Car Package Policy
    This comprehensive plan offers complete protection to the car of the policyholders.
    Key features of Private Car Package Policy
    • Availability of personal accident cover for up to 5 passengers
    • Optional coverage available for Non-electrical accessories
    • Music system and the air conditioner can be covered by paying extra premium
    • Personal accident coverage of Rs 2 lakh available for car-owner
    Buy now
  • L&T Premium Home Insurance Plan
    This home insurance policy aims to cover contents of the house as well as the structure.
    Key features of Premium Home Insurance Plan
    • Coverage against terrorism available
    • availability of unique covers Wallet Protection, Purchase Protection
    • 27 covers available in total
    • 2 compulsory and 25 optional covers available
    Buy now

L&T My Health Medisure Plus Insurance Plan

As any untoward event can happen anytime in your life, L&T My Health Medisure plus Insurance Plan is designed to provide more comprehensive features than the other insurance plans, to the insured persons to cope with an unsolicited circumstance.

Key features of policy

  • In this medical insurance plan, renewal is feasible in any age. There is not any age limit and lifetime renewal is obtainable.
  • A claim for cashless can be approved by the insurer within 6 working hours from making application. Reimbursement of a claim is provided within 6 working days. In case of inability to meet this assurance, compensation of 1000 rupees is subject to provide to the insured.
  • In case of second hospitalization due to an accident, reimbursement of the insured sum is possible. These expenses are provided even if claim has already been done once within 12 months for hospitalization charges due to illness.
  • You can issue a policy without incurring any medical test. Hence this can be done to you if you are under the age of 50 years and you do not have any bad medical history.
  • In case of care of hospital is needed for more than 10 days, lump sum of 5000 rupees is provided as additional recovery benefit.
  • Plans of both individual and family floater are available. Spouse and 2 dependent children can be included in a family floater insurance plan.

Coverage under policy

Expenses

Coverage

Hospital day care

Covered

ICU and cabin rent

Covered

Domiciliary hospitalization

Covered

Maternity, both normal and caesarean

Covered

Pre and post hospitalization

30 and 60 days respectively

Health check-up

After every 4 claim free policy years

Ambulance charges

Covered

Ayurvedic treatment

Covered

Additional benefits of policy

  • You can acquire 10% discount on family floater insurance plan, if you go for individual insured sum for each family member.
  • You can get an option for renewal after 24 months. If you submit premium for two years, you can enjoy 5% discount on the premium amount.
  • Lump sum can be cumulated up to 50 % whereas it increases by 5% with the renewal of every claim free year.
  • A cashless claim settlement is possible under the terms of policy.

Eligibility for policy

Minimum

Maximum

Coverage amount

Rupees 1,00,000 for Individual

Rupees 2,00,000 for Floater

5,00,000

Policy term

1 year

2 years

Entry age

18 years

No limitation

Renewal

Until death

Excluded parts in policy

  • In L&T My Health Medisure plus Insurance Plan, the reimbursement for the hospitalization expenses is not covered for the first 3 years of issuing the policy.
  • Diseases like Cataract, Benign Prostatic Hypertrophy, Hernia, Congenital Internal Diseases, Hysterectomy, Sinusitis and related disorders are not under coverage till the age of 2 years of policy.
  • Expenses for any disease contracted within a month from the date of issuing policy are not reimbursed by the insurer.
  • Hypertension, diabetes and their related health issues, self-injury, dental treatment, mental disorder, illness caused by alcohol or drug; these are not covered.