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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
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  • 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
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  • 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 Primary Home Insurance

Home is not only the place to reside on; rather it is the reflection of the dreams of the owner. People make their homes with the entire savings of their lives to live peacefully. Lots of efforts and costs along with planning for a long period of time are associated with a home.

By keeping these facts in mind, the insurance company L&T brings a comprehensive policy named My Asset Primary Home Insurance to protect their homes and belongings.

Comprehensive features of policy

  • This policy offers you 11 different covers to safeguard your home and belongings. Among those covers, 2 are compulsory and rest is optional that you can opt for.
  • The policy covers your home and homely elements against perils such as natural disasters and few man-made disasters. The considerable events are given below
  • Fire, lightning, explosion
  • Storm, cyclone, flood, landslide, earth quake
  • Aircraft damage, missile testing operations
  • Loss or damage of any work of art or precious stone within a building is covered under section I of this policy.
  • Loss of prized possessions and valuables are under liability of the insurer.
  • Loss of any belonging due to burglary or attempt to burglary is covered.

Options for policy period

You can opt for less than 1 year of policy period and the amount of premium will depend on the time period that you are choosing.

Policy period

Premium amount (In percentage)

Time period of 15 days

10% of the annual rate

Time period of 1 month

15% of the annual rate

Time period of 2 months

30% of the annual rate

Time period of 3 months

40% of the annual rate

Time period of 4 months

50% of the annual rate

Time period of 5 months

60% of the annual rate

Time period of 6 months

70% of the annual rate

Time period of 7 months

75% of the annual rate

Time period of 8 months

80% of the annual rate

Time period of 9 months

85% of the annual rate

More than 9 months

Total annual rate

Optional covers of policy

  • Your electrical equipment like computer, laptop and tablet are protected under policy coverage.
  • Domestic appliances are covered.
  • Expenses for fixed plate glass in your home will be covered in case of any damage.
  • Loss of jewelry and valuable contents are under coverage of policy.
  • Personal files and luggage are covered.
  • The amount of any legal liability against you due to loss of third party property is payable.
  • Legal liability due to death or injury of domestic staffs is covered.
  • Loss of newly purchased contents during policy period is covered.
  • Loss or wallet or hand bag, insurer will provide you the expenses for all contents within purse.

General exclusions of policy

Any loss or damage due to below mentioned occurrence is not covered by this policy.

  • War, incursion or act of any foreign enemy
  • Any substantial loss of any kind
  • Contamination by radioactivity
  • Intentional act of the insured person or his/her family members or domestic staffs