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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 Premium Home Insurance

Having own home is a matter of pride. Everyone strive to increase the level of pride by investing on the home contents to make it more attractive looking. The investment of time, money and care is needed to turn a building to a home.

L&T My Asset Premium Home Insurance is an insurance policy to provide complete protection to the amenities by understanding your emotional feelings.

Facilities offered by the policy

  • Absolute protection, for both your home and contents of home that you consider as valuable, is provided by the insurer.
  • There are options of 28 covers in this policy for home and its belongings amongst which 2 are compulsory and rest of 26 are optional to choose from.
  • This policy allows you to choose the sum insured and to make your own policy by choosing any of the 26 optional covers.
  • Protection of your home contents against all risk of danger is provided under section I of this policy. Up to INR 10,000 is payable for such a case.
  • In case of damage due to attempt to burglary, you will be compensated with up to INR 10,000.

Optional covers of policy



Allowed claim for expenses

Section III

Electrical equipment (laptop, computer tablet)

INR 2.500, 5% of each claim amount

Section IV

Domestic appliances (Mechanical breakdown)

INR 500, 1% of each claim amount

Section V

Plate glass protection (Fixed plate glasses)

INR 2.500, 5% of each claim amount

Section VI

Jewelry and valuables (Expensive wrist watch, camera)

INR 25,000, 5% of each claim amount

Section VII

Baggage protection (Luggage, personal papers)

INR 1,000

Section VIII

Public liability (Legal liability against you due to third party property damage)

INR 10,000

Section IX

Liability to domestic staff (legal liability due to death or injury of domestic staff)

As per rule of Employees Compensation (WC), 1923

Section X

Purchase protection (Newly purchased contents during policy period)

INR 1.000, 1% of each claim amount

Section XI

Wallet protection (Wallet, important papers, credit cards)

INR 500, 1% of each claim amount

Section XII

Wedding and other ceremonial benefit

INR 2,500, 1% of each claim amount

Section XIII

Golf plans (Damage of golf item, legal liability of third party due to damage through use of golf set)

INR 2,500, 1% of each claim amount

Section XIV

Marine transit (death or injury of domestic staff during working)

As per rule of Employees Compensation (WC), 1923

Section XV

Temporary re-settlement cost

Expenses for transportation of content under sec. I, II

Section XVI

Contents temporarily removed

Max. 10% of the insured sum

Section XVII

Liability of tenants to landlord

Expenses due to damage of landlord’s property

Section XVIII

Alternative accommodation

Reimbursement of rent

Section XIX

Pet dog (protection against death or disease)

Up to 5,000 (veterinarian expenses), Up to 50,000 (dog bite)

Section XX

Pedal cycle and tricycle (theft or injury due to accident)

INR 500, 1% of each claim amount

Apart from these, you can get more 6 options of covers. You can opt for as per your need and pay the premium only for your chosen options.