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L&T my: health Medisure Prime Insurance

Eligibility  
Entry Age (years)  
Minimum 18
Maximum 65
Maximum Policy Renewal Age (years) Lifetime renewal
Coverage Type Individual/ Family floater
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 3 lakh
Policy Term (years) 1/2
Discount 10% if family members are insured on an individual basis under the same policy. Family discount is available for a maximum of 6 persons only
No Claim Bonus 5% no claim bonus for every claim free renewal till it reaches 50% of initial sum insured
Pre Policy Medical Check Up Not required upto 45 years of age
Free look Period 15 days
Grace Period for Policy Renewal 15 days
Co Payment Clause Insured persons above 70 years of age have to bear 25% of the admissible claim amount
Policy Termination Either of the parties may terminate this policy by giving a 15 days notice. The insurer would pay proportionate premiums if no claim has been made.
Customer Service  
Address L&T General Insurance Company Limited
601-602, 6th Floor, Trade Centre,
Bandra-Kurla Complex, Bandra (East),
Mumbai - 400051
Mail to [email protected]
Call to 1800-209-5846
SMS ‘LTI’ to 5607058
Network Hospitals Http://110.234.8.38/ltweb/SearchNspWithoutLogin.aspx
Scope Of Cover
Cashless facilityavailable if treatment taken in network hospital
Reimbursement facilityavailable if treatment availed in non-network hospital
Pre & post hospitalisation benefitcovers medical expenses upto 60 days prior to hospitalisation and upto 90 days after discharge
Hospitalisation expensescovered
Hospitalisation due to accidentonce the opted sum insured is exhausted, equivalent sum insured is restored for hospitalisation due to accident only
Day care procedurescovered upto sum insured limit
Hospital cashpays Rs 1000 per day after 3 continuous days of hospitalisation for maximum of 7 days
Ambulance chargescovered upto maximum of Rs 1500 per hospitalisation
Critical Illness Covers Cancer, Coronary Artery Bypass Surgery, First Heart Attack, Kidney Failure, Multiple Sclerosis, Major Organ Transplant, Stroke, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension
Maternity and new born baby5% of sum insured or Rs 25000 whichever is lower in case of normal delivery and 10% of sum insured or Rs 50000 in case of caesarean delivery
Pre and post natal expensescovered upto certain limit
Lumpsum recovery benefita lumpsum equal to Rs 10000 payable if hospitalisation exceeds 10 continuous days
Free health check-up (for those above 45 years of age)allowed after 2 consecutive renewals
Expenses on accompanying personupto Rs 500 per day after 3 continuous days of hospitalisation for maximum of 7 days
Donor expensescovered in case of major organ transplant
Exclusions and Waiting Period
Pre-existing diseases covered from 3rd year of the policy
No claim period30 days from the start of the policy
Waiting period4 years for maternity benefit2 years for certain diseases such as cataract, hernia, sinusitis etc.
General exclusionsAIDS or HIV and other related diseases