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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 Super Top Up Insurance

With the use of modern equipment and technology, the medical expenses have been increased in a greater level from the last decade. So being medically insured is a wise decision. When you will experience a difficult situation due to hospitalization, you will find that even a medical coverage is not enough for your total expenses.

What is My Health Medisure Super Top up Insurance?

L&T My Health Medisure Super Top up Insurance is an insurance policy which can work along with the existing medical insurance and can get you helped by providing larger coverage at much lower premiums.

If you do not have any medical insurance policy, then also you can opt for this policy. Either you will pay the initial amount which is known as deductible, or it will be covered by your current policy.

What are the major features of this policy?

  • If you are not suffering from any pre-existing serious illness, you can issue this policy without experiencing medical tests.
  • You can pay same premiums till the age of 60 years and your renewal procedure is available for lifetime.
  • The maximum entry age for issuing a policy is 65 years.
  • All hospitalization expenses without sub-limits are payable by the insurer under the liability of policy.
  • The coverage that you can get from this policy is from 5 lakhs to 25 lakhs when your medical expense is above 2 lakhs to 5 lakhs.

What are the benefits that covered by the policy?

Under this policy, you can get benefitted with different areas of coverage. As picture is more convenient than words to understand, a table about coverage is given below. Fix your eyes upon it.

Benefits

Coverage

Pre and post hospitalization medical expenses

Covered expense of before 30 days and after 60 days of hospitalization

Expenses for pre-existing disease

Covered after 3 renewals

Day care procedure

Covered in case of hospitalization less than 24 hours

2 year policy renewal

Available

Income tax benefit

Available under section 80D of policy

Renewal procedure for lifelong

Possible to renew policy every year even in older age

Discount on family policy for individual sum insured for more than 2 persons

10% discount on annual premium

Refund of premium in case of cancellation

Cancellation within 15 days

Option for family floater and individual sum insured

Spouse and 2 dependent children (floater)

Spouse, children, parents, parents in-law (individual sum insured)

What are the eligibility criteria for this policy?

  • Entry age is 18 to 65 years for adults whereas it is 91 days to 23 years for children.
  • You can cover the family members like grandparents, siblings, grandson, granddaughter, daughter in law, son in law, nephew and niece within a single policy by individual sum insured.

What are excluded from the coverage?

  • Diabetes and hypertension and their related complications
  • Illness during first 30 days of policy
  • Cataract, benign hysterectomy, polycystic ovarian disease, knee replacement, osteoporosis, gastric ulcer etc. are not covered for first two years.