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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 Asset Super Home Insurance

Own home is like heaven for everyone. Therefore people wants to make the dream home with lots of efforts. They strive to make the home a perfect one from each and every aspect. That is why advance planning for protecting your home is required.

L&T My Asset Super Home Insurance is an insurance policy which is designed to provide protection to your closest asset, your dream home.

Key benefits of policy

  • You can get the convenience of purchasing this policy online or over telephone in a hassle-free way.
  • The Super Home Insurance policy gives options of 20 covers to protect your home and its belongings.
  • Different types of coverage amounts are also offered by this policy and you can opt for one of them as per your needs.
  • You can calculate the premium amounts and through quick and seamless procedure and choose the affordable one.

Compulsory coverage of policy

Coverage under section I: Fire and Allied Perils

  • Under this section, all contents of a building along with the building itself are covered against perils such as fire, lightning, storm, cyclone, aircraft damage, landslide, earth quake, missile testing operation and leakage from sprinkler.
  • Loss, destruction or damage of precious stones or any curios works are under coverage of up to 10,000 rupees.
  • 3% and 1 % of the total insured sum will be provided as the claim amount for architecture fees or debris removal in any case of a loss.

Coverage under section II: Burglary or house breaking

  • The contents of your home are insured under this term of policy. In case of burglary or house breaking or any loss due to attempt to burglary, you will get compensated with up to 10,000 rupees.

Optional coverage under policy

Sec III: Electronic Equipment

5% of the claim amount is covered for laptop, computer, audio-visual amenity

Sec IV: Protection to domestic appliance

Protect domestic appliances against mechanical or electrical breakdown, 1 % of claim amount is covered

Sec V: Plate glass protection

Damage of any fixed plate glass, 5 % of claimed amount is payable

Sec VI: Jewelry and valuables

Family’s jewelry, expensive wrist watch, cameras, music instruments are protected, 5% of claimed amount is covered

Sec VII: Baggage protection

Luggage, personal papers are covered with payable amount of INR 1,000

Sec VIII: Public liability

Legal liability against you due to third party property damage, INR 10,000 is payable

Sec IX: Liability to domestic staff

Legal liability against you due to physical loss or injury of domestic staffs

Sec X: Purchase protection

Newly purchase contents during [policy period are protected, 1% of claimed amount is allotted

There are 10 more section and other contents of home like wallet, pet dog, pedal cycle or tricycle, and other expenses at home are covered under the terms of this policy.

Things that are excluded from policy terms

This policy does not cover the loss or damage of your home or any homely equipment due to below mentioned events.

  • War, invasion or act of foreign enemy
  • Contagion by radioactivity
  • Deliberate act by the insured
  • Devaluation of wear and tear