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L&T General Insurance Health Plans

Everyone is looking to get a health coverage for their entire family, so they don’t need to pay off medical bills from their own pocket. L&T General Insurance Company offer a variety of health plans that suit you & your family’s healthcare needs in this era of medical inflation.

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L&T General Insurance Company offers following health insurance plans:

1. My:Health Medisure Prime Insurance

My:health Medisure Prime Insurance ensures your family’s health against ever-spiralling medical cost. This health insurance plan caters your family’s unique health needs and help you bounce back from a medical emergency.

Key Features

  • Grab premium discount on covering over 2 family members
  • No pre-policy medical check-up up to 45 years with no medical adversity
  • Avail lifetime renewability
  • Personal case manager
  • 24x7 claims assistance
  • Assured claims service within 6 hours
  • Premium calculation on the basis of zones

Policy Benefits

  • In-patient hospitalization expenses are covered, for which the insured person requires hospitalization for a minimum period of 24 hours.
  • Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses covered for 90 days after hospitalization.
  • Day care procedures/surgeries are covered, for which the insured person requires hospitalization for less than 24 hours.
  • Hospital cash allowance is payable from day 4 to day 10 of continuous hospitalization.
  • Organ donor expenses are reimbursed, up to the limits mentioned in the policy schedule.
  • Convalescence benefit is covered in case of hospitalization exceeds 10 days.
  • Get additional cover equivalent to sum insured for medical expenses incurred against specified critical illnesses.
  • Maternity & New Born Baby Cover is available. Coverage is applicable only towards the first two children. New born baby is covered for a period of 90 days from the date of birth.
  • Accompanying person expenses are payable for a maximum period of 7 days, subject to hospitalization exceeding 3 days.

Value Added Benefits

  • In case of occurrence of the second hospitalization due to accident in a policy period, the sum insured is reinstated, to the extent of the claim amount, up to the maximum of the sum insured.
  • With Cumulative Bonus, the sum insured is increased by 5% on renewal of every claim-free policy year, up to a maximum of 50%.
  • Comprehensive health check-up for insured persons above 45 years and this benefit is applicable upon completion of each block of two consecutive policy years.
  • Ambulance Charges are covered towards insured’s transportation to the hospital for treatment of the disease/injury/illness.
  • Avail tax benefits u/s 80D as per Income Tax Act, 1961 for premium paid for this plan.

Sub Limits

  • No Room Rent Limit applicable under this plan.
  • Maternity & New Born Baby Cover is available up to the maximum of 5% of the sum insured or Rs 25,000 for a normal delivery, 10% of Sum Insured or Rs 50,000 for a caesarean section or actual cost incurred, whichever is less.
  • Hospital cash allowance up to Rs 1,000 per day.
  • A lump sum amount of Rs 10,000 as a convalescence benefit.
  • Accompanying person expenses are payable up to Rs 500 per day.
  • Ambulance Charges of Rs 1500 are reimbursed.

Waiting Period Clause

  • Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
  • Specific Waiting Period: 24 months Waiting Period will be applicable for specific illnesses.
  • Pre existing Disease Waiting Period: Any pre-existing disease until 24 months of continuous policy coverage, from date of inception of the first policy.
  • Pregnancy & Chilbirth Waiting Period: Treatment arising due to pregnancy and childbirth is covered after a waiting period of 48 months.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 3 Months Adult: 65 Years, Children: 18 Years
Sum Assured 3 Lac 10 Lacs
Cover Type Individual / Family Floater -
Policy Tenure 1 Year 2 Years
Grace Period 30 Days -
15 Days - Free Look Period
Riders Nil -

Exclusions

  • Domiciliary hospitalization/treatment
  • Genetic disorder
  • Dental treatment/surgery
  • Cost of spectacles, contact lenses, hearing aids, eye/ear examination
  • War, invasion, or act of foreign enemy, etc.

2. My:Health Medisure Classic Insurance

My:health Medisure Classic Insurance is a carefully designed health insurance policy that caters to your family’s unique health care needs and ensures the complete well-being of the family. This health plan gives you a financial support and provides ease in paying off medical bills.

Key Features

  • Health cover for your entire family
  • Avail family discount on premium
  • Cost of health check-up is reimbursed
  • Lifetime renewability
  • Claims Service Assurance

Policy Benefits

  • In-patient hospitalization expenses are covered as mentioned in the Policy.
  • Pre hospitalization expenses are covered up to 30 days before you are hospitalized and Post hospitalization expenses are covered up to 60 days after you are discharged.
  • Day care procedures which need the insured to be hospitalized for less than 24 hours and are listed in the policy contract are covered.
  • Domiciliary treatment expenses are covered under this plan.
  • Domiciliary treatment expenses are covered under this plan.
  • Convalescence benefit is covered in case of hospitalization exceeding 10 days.
  • Maternity & New Born Baby Cover is available under this plan.
  • Expenses incurred towards Ayurvedic treatment are covered.

Value Added Benefits

  • In case of occurrence of the second hospitalization due to accident in a policy period, the sum insured is reinstated, to the extent of the claim amount, up to the maximum of the sum insured.
  • With Cumulative Bonus, the sum insured is increased by 5% on renewal of every claim-free policy year, up to a maximum of 50%.
  • Ambulance Charges are covered under this plan.
  • Comprehensive health check-up for insured persons is reimbursed at the end of every 4 continuous claim-free policy years.
  • Avail tax benefits u/s 80D as per Income Tax Act, 1961 for premium paid for this plan.

Sub Limits

  • Room rent, Boarding, & Nursing Expenses are covered up to 1% of sum insured per day, up to a maximum of Rs 4,000 per day.
  • ICU charges are covered up to 2% of sum insured per day, up to a maximum of Rs 6,000 per day.
  • Co-pay of 10% applies for each claim for insured persons above 80 years.
  • Hospital daily cash of up to Rs 500 per day is paid under this plan.
  • Maximum of 10% of Sum Insured or Rs 20,000/- for a normal delivery and 20% of Sum Insured or Rs 40,000/- for a caesarean section or actual cost, whichever is less.
  • Ayurvedic treatment is covered up to Rs 25,000 during a policy year.
  • Ambulance charges are payable up to Rs 1,500 per hospitalization.
  • A lump sum amount of Rs 5,000 is payable as convalescence benefit.
  • Comprehensive health check-up is reimbursed up to 1% of average sum insured.

Waiting Period Clause

  • Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
  • Specific Waiting Period: 2 Years Waiting Period will be applicable for specific illnesses.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 3 years from the issuance of the first policy.
  • Pregnancy & Chilbirth Waiting Period: Treatment arising due to pregnancy and childbirth is covered after a waiting period of 48 months.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 3 Months Adult: NotSpecified, Children: 23 Years
Sum Assured 1 Lac 5 Lacs
Cover Type Individual / Family Floater -
Policy Tenure 1 Year 2 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Double Sum Insured for Critical Illness, Waiver of Room Rent Sub-limits -

Exclusions

  • Genetic disorder
  • Dental treatment/surgery
  • Mental illness/disease
  • Cost of spectacles, contact lenses, hearing aids
  • Routine medical and eye/ear examination,etc.

3. My:Health Medisure Super Top Up Insurance

With skyrocketing medical expenses, getting medical insurance is the need of the hour. With My:health Medisure Super Top Up Insurance Plan provides additional cover along with the current health policy. It is an affordable solution that provides adequate health cover.

Key Features

  • Top up health cover Plan
  • Flexible deductible options to choose from
  • Higher sum insured at a lower premium
  • Grab the premium discounts upon choosing this health cover
  • 6 hours guaranteed response for cashless claim
  • Guaranteed renewability for life

Policy Benefits

  • In-patient hospitalization expenses are covered as mentioned in the Policy.
  • Pre hospitalization expenses are covered up to 30 days before you are hospitalized and Post hospitalization expenses are covered up to 60 days after you are discharged.
  • Day care procedures which need the insured to be hospitalized for less than 24 hours and are listed in the policy contract are covered.

Value Added Benefits

  • No pre-policy medical check-up up to age of 55 years with no adverse medical history.
  • No sub-limits on day care procedures and pre & post hospitalization.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • No Room rent limits are applicable under this plan.
  • Co-pay of 10% applies for each claim for insured persons above 80 years.

Waiting Period Clause

  • Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
  • Specific Waiting Period: 2 Years Waiting Period will be applicable for specific illnesses.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 3 years from the issuance of the first policy.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 91 Days Adult: 65 Years, Children: 23 Years
Deductible 2 Lacs 5 Lacs
Sum Assured 3 Lacs 20 Lacs
Cover Type Individual / Floater -
Policy Tenure 1 Years 2 Years
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Nil -

Exclusions

  • Domiciliary hospitalization expenses
  • OPD Treatment
  • Pregnancy & childbirth related expenses
  • Genetic disorder
  • Dental treatment/surgery,etc.

4. My:Health Medisure Plus Insurance

Every family has unique health needs, so they need a health plan that caters all their healthcare needs. My:health Medisure Plus Insurance is a tailor-made health insurance plan that caters all your health needs.

There are three plan options to choose from:

  • Plan A
  • Plan B- Critical Illness
  • Plan C- Reinstate

Key Features

  • Comprehensive health cover for family
  • Grab premium discounts upon choosing this health cover
  • Lifetime renewability
  • Service Assurance

Policy Benefits

  • In-patient hospitalization expenses are covered as mentioned in the Policy.
  • Pre hospitalization expenses are covered up to 30 days before you are hospitalized and Post hospitalization expenses are covered up to 60 days after you are discharged.
  • Day care procedures which need the insured to be hospitalized for less than 24 hours and are listed in the policy contract are covered.
  • Domiciliary treatment expenses are covered under this plan, in case of continuous hospitalization exceeds 3 days.
  • Hospital cash allowance, Accompanying person expenses,Convalescence benefit and Critical illness cover are available on payment of an additional premium.

Value Added Benefits

  • Reinstatement of the sum insured, is available under the plan. This benefit is available on payment of additional premium and is applicable for sum insured of 3 lacs to 5 Lacs.
  • Cumulative bonus is applicable under this plan. With Cumulative Bonus, the sum insured is increased by 10% on renewal of every claim-free policy year, up to a maximum of 50%.
  • Ambulance Charges are covered under this plan.
  • Comprehensive health check-up for insured persons aged above 50 years. The health check up coupon worth Rs 1000 is provided on completion of every 2 consecutive years of the policy.
  • Deletion of pre/post hospitalization option. It is a custom cover available without paying additional premium.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • Room rent, Boarding, & Nursing Expenses are covered up to 1% of sum insured per day, up to a maximum of Rs 4,000 per day.
  • ICU charges are covered up to 2% of sum insured per day, up to a maximum of Rs 6,000 per day.
  • Co-pay of 10% applies for each claim for insured persons above 80 years.
  • Hospital daily cash of up to Rs 500 per day is paid under this plan.
  • Ambulance charges are payable up to actual expenses or Rs 1,500 per hospitalization, whichever is lower.
  • A lump sum amount of Rs 10,000 is payable as convalescence benefit.
  • Accompanying person expenses are capped up to Rs 500 per day.

Waiting Period Clause

  • Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
  • Specific Waiting Period: 2 Years Waiting Period will be applicable for specific illnesses.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 3 years from the issuance of the first policy.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 3 Months Adult: 65 Years, Children: 23 Years
Sum Assured 2 Lacs 25 Lacs
Cover Type Individual / Floater -
Policy Tenure 1 Year 2 Years
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Critical Illness Cover, Reinstatement of Sum Insured, Waiver of Room Rent & ICU Sub-limits, Extended Pre/Post-Hospitalisation Cover, Hospital Cash, Recovery Benefit, Expenses of Accompanying Person -

(Note: Critical Illness Cover and Reinstatement of Sum Insured cannot be availed together under a single plan)

Exclusions

  • Specified Domiciliary hospitalization expenses
  • Pregnancy & childbirth related expenses
  • Genetic disorder
  • Dental treatment/surgery
  • Cost of spectacles, contact lenses, hearing aids
  • Routine medical and eye/ear examination,etc.
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