Our repeated efforts to adapt to ever-changing lifestyle has taken a severe toll on our well-being. Thanks to the soaring medical costs, treatment for a small illness can burn large holes in your pocket. Thus, investing in a worthy health insurance is the only way out.
L&T Insurance's my:health Medisure Prime Insurance Plan is one such health policy that will cover your hospitalization expenses. It also offers benefits related to maternity and newborn baby, organ donor expenses and coverage against Critical Illness.
Please Note: From August 23 2017, L&T General Insurance is HDFC ERGO General Insurance
For children : 91 days
Adults :
Minimum : 18 years
Maximum : 65 years
Maximum Members : 6
Maximum Adults : 4
Maximum Children : 2
3 - 10 lakhs
For longer policy term
family discount
1 and 2 years
51 years and above
For children : 91 days
Adults :
Minimum : 18 years
Maximum : 65 years
Maximum Members : 4
Maximum Adults : 2
Maximum Children : 2
3 - 10 lakhs
For longer policy term
family discount
1 and 2 years
51 years and above
Due to scientific progress, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. Moreover, as L&T updates this list on continuous basis, there is no static one.
In this policy no-claim bonus equal to 5% of basic sum insured up to a maximum of 50% is available. However, the bonus amount is reduced to zero once you make any claim. Rest assured, your sum insured will not be affected.
The policy will reimburse medical expenses incurred towards donor in case of major organ transplant, for the harvesting of the organ provided that:
The insurance company will compensate you for the medical expenses related to your hospitalization 60 days before the hospitalization.
The insurance company will pay you for the medical expenses related to your hospitalization 90 days post hospitalization.
This plan offers restoration of 100% of the sum insured in case of an accident. This benefit gets activated irrespective of complete exhaustion of the sum insured.
This plan does not cover expenses related to outpatient treatment.
The policy provides you a payment of a Daily Hospital Cash of Rs. 1000 per day from day 4 to day 10 provided the hospitalization should exceed three continuous days
Offers complimentary health check-up that covers some listed tests, once every two years for persons above 45 years.
The plan does not cover any treatments taken at home.
This plan does not cover expenses related to non-allopathic treatment.
This plan provides reimbursement for ambulance expenses up to INR 1500 per hospitalization.
This plan does not provide coverage for any costs towards eye treatment.
The policy offers to cover for the hospitalization costs related to Maternity. The sum insured for this particular cover is 5% of Sum Insured or Rs 25,000 for a normal delivery and 10% of Sum Insured or Rs 50,000 for a caesarean section or actual cost, whichever is lower. Coverage applies to the first two children for Self and lawful Spouse, who are a part of a single policy for a continuous period of 48 months. The plan covers for the New Born Baby for 90 days from the date of birth (without intimation) within the maternity limits.
This policy does not cover any dental treatments.
You will get a lump sum amount of Rs. 10,000 in the case of hospitalization exceeding ten days.
The treatment costs of critical illnesses are considerably higher than most other diseases. Hence, L&T insurance Medisure Prime Policy offers you double the sum insured in the event of any of the listed nine critical illness.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
The policy will pay Rs. 500 per day for a maximum period of 7 days towards expenses of accompanying person towards the treatment of the insured member in Hospital/Nursing home exceeding three days.
This plan does not have any limit on room expenses.
The plan has two co-payments.
A 30 days cooling off period for all claims except any arising out of accidental injuries.
Any expenses towards maternity is covered only after 48 months.
The policy covers any pre-existing illness and some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.
The Plan will not cover any liabilities towards the treatments of following conditions-
Location based premiums, cover for maternity, newborn and donor expenses are few of the many useful benefits offered by L&T’s my:health Medisure Prime Insurance plan. Moreover, if you are below 45 years of age, you can get the policy issued instantly without the need for any pre-policy medical screening. When such useful features are paired off with convenient claim processing, all you can expect is a guaranteed and class service with complete peace of mind.
**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.
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