L&T My:Health Medisure Prime Insurance Plan

What is the Plan all About?

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.

Who can Buy the Plan?

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