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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
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  • 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
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L&T My Asset Insta Home Insurance

Lots of emotions are associated with making a home along with the time and money. People want to make their homes well-equipped with various valuables, furniture and electrical amenities which are very close to their hearts. However all equipment should be insured along with the home itself.

The uniqueness of L&T My Asset Insta Home Insurance lies on the offering of on the spot cover which is a very quick and hassle free procedure.

Facilities provided in the policy

  • This policy offers a comprehensive protection for everything that you consider as valuable within home along with the building.
  • There are 4 sub under this policy, all of which are compulsory and you will get options to choose from. You have to pay fixed premiums for each of 4 plans.
  • Under section IB, all valuable contents are covered against the perils such as fire, lightning, explosion, storm, cyclone, landslide, flood, aircraft damage and impact damage, missile testing operations, bush fire and RSMD.
  • Any loss or destruction of the precious stones or work of art within a home will be covered under this policy. The payable amount here is up to INR 10,000.
  • Expenses for architecture fees and removal or debris will be paid in case of any loss.
  • House breaking or damage of home due to burglary or attempt to burglary is covered under section II and for such a case you will be compensated with INR 10,000.
  • Electrical equipment in a home such as laptop, computer, tablet and audio/visual amenities are covered against fire and perils, burglary, theft or mechanical breakdown.
  • The protection of domestic appliances against electrical or mechanical breakdown is provided under section IV where INR 500 is provided for each claim.

Coverage and premium amounts for sub of policy



Plan A

Plan B

Plan C

Plan D

Section IB

Fire and allied perils for contents





Section II

Burglary and house breaking for contents





Section III

Electronic equipment





Section IV

Protection to domestic appliances





Total premium excluding service tax





General omissions of policy

This policy does not cover damage or loss of home and its equipment caused by

  • War, attack, act of external enemy
  • Ionizing radiation or contagion by radioactivity
  • Any kind of substantial loss
  • Depreciation or wear and tear
  • Intentional act of the insured person or any family member or any domestic staffs

Claim procedure of policy

  • You can make your claim to the 16×7 call center of L&T insurance company. They start the inspection within 24 hours and strive to complete a case within a month.
  • Only few significant things are needed for submission. The commercial bills of contents you have to submit.

Cancellation procedure

If you are not satisfied with the policy, you can cancel it by providing a cancellation notice to the policy issuing office. The insurer will refund your paid amount for premiums.