L & T Health Insurance

my: health Medisure classic Insurance

• This plan offers basic health coverage in the range of INR 1,00,000 and INR 5,00,000 for individuals of any age above 3 months.
• Pre and post hospitalisation expenses, coverage for day care procedures, maternity coverage, health check up, no-claim bonus, etc. are the benefits provided in this plan.
• The plan has two options which one can opt for in addition to the base plan.
  • Base plan + critical illness cover- This option can be added up to age 65 years and for people with sum insured of INR 2,00,000 and above. Addition of this option will provide double sum insured in case of critical illness.
  • Base plan + no sub-limits- This option can be added up separately. Addition of this option would remove all sub-limits over treatment like e.g. room rent limit, ICU rent, etc.

Note: The premium amount in this policy would change with different geographical regions.

Co-pay (percentage expense to be paid out of pocket before claiming) of 10% is applicable above age 80 years.

my: health Medisure Prime Plus

• This plan offers coverage for health in the range of INR 3,00,000 and INR 10,00,000 for individuals between age 3 months and 65 years.
• Pre and post hospitalisation expenses, coverage for day care procedures, health check up (every two years), no-claim bonus, etc. are the benefits provided in this plan
• Additionally, this plan has critical illness cover which will provide double sum insured in case of critical illness.

my: health Medisure Plus

• This is a special plan which offers standard health coverage and an option to opt for custom health coverage for individuals between age 18 years and 65 years.
• The coverage offered in this plan is in the range of INR 2,00,000 and INR 25,00,000.
• The standard coverage option includes benefits like pre and post hospitalisation expense cover, health check-up (every 2 years),coverage for ambulance charges, coverage for day care treatments, etc.
• The custom coverage option allows customization of standardcoverage by addition or deletion of certain benefits (e.g. deletion of pre and post hospitalisation cover, addition of deductible option or critical illness cover, etc.)as per individual's requirement.
• A minimum of 8 benefits are covered in this plan.

my: health Personal Accident Insurance

• This plan provides accidental cover for individuals between age 5 years and 70 years.
• The plan is divided into four tables:
  • Table A – provides compensation for accidental death
  • Table B- provides compensation for accidental death or permanent total disability
  • Table C – provides compensation for accidental death or permanent partial disability
  • Table D – provides compensation for accidental death or permanent partial or total disability or temporary total disability
• This plan offers education coverage to cover education cost of dependent children post accidental death or disability of insured person.
• The plan also covers for loss of employment, transportation cost of dead body, etc.

my: jeevika Medisure Micro Insurance

• This plan provides coverage of INR 30,000 specially for poor individuals between age 18 years and 65 years.
• Pre and post hospitalisation expenses, coverage for day care procedures, etc. are benefits provided in this plan.

my: jeevika Personal Accident Micro Insurance

• This plan offers accidental coverage of INR 50,000 for individuals between age 5 years and 70 years.
• The plan offers compensation in case of accidental death, permanent total disability, etc.
• Education fund, cumulative bonus, etc. are covered in this policy.

my: jeevika Cash @ hospital Micro Insurance

• This plan offers certain amount of cash every day during hospitalisation period only after hospitalisation exceeds 24 hours.
• Individuals between age 18 years and 65 years can be covered under this policy.
• This plan has three variables:
  • Silver plan- provides maximum coverage of INR 7,500.
  • Gold plan- provides maximum coverage of INR 15,000.
  • Platinum plan- provides maximum coverage of INR 30,000.

my: health Medisure Super Top Up Insurance

• This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) for individuals between age 18years and 65 years.
• The coverage amount for this health insurance plan is in the range of INR 3,00,000 and INR 20,00,000 and the deductible amount is in range of INR 2,00,000 and INR 5,00,000.
• Pre and post hospitalisation expenses, coverage for day care procedures, etc. are benefits provided in this plan.

my:health Medisure classic Insurance

• This is a basic family floater plan which covers health costs of the entire family in the range of INR 2,50,000 and INR 4,50,000.
• Policy holder, spouse and 2 dependent children (up to age 25 years) can be covered under the same policy.
• Pre and post hospitalisation expenses, coverage for day care procedures, maternity coverage, health check up, no-claim bonus, etc. are the benefits provided in this plan
• The plan has two options which one can opt for in addition to the base plan.
  • Base plan + critical illness cover- This option can be added up to age 65 years and for people with sum insured of INR 2,00,000 and above. Addition of this option will provide double sum insured in case of critical illness.
  • Base plan + no sub-limits- This option can be added up separately. Addition of this option would not remove all sub-limits over treatment like e.g. room rent limit, ICU rent, etc).

Note: The premium amount in this policy would change with different geographical regions.

Co-pay of 10% is applicable above age 80 years.

my: health Medisure Prime Plus

• This is a family floater plan which covers health costs of the entire family in the range of INR 3,00,000 and INR 10,00,000.
• The floater can be opted for policy holder, spouse up to maximum age 65 years and 2 dependent children between age 3 months and age 18 years.
• Pre and post hospitalisation expenses, coverage for day care procedures, health check up (every two years), no-claim bonus, etc. are the benefits provided in this plan
• Additionally, this plan has critical illness cover which will provide double sum insured in case of critical illness.

my: health Medisure plus

• This is a special family floater plan which offers standard health coverage and an option to opt for custom health coverage.
• Proposer and spouse between age 18 years and 65 years and maximum of 3 dependent children between age 3 months and 25 years can be covered in the range of INR 2,00,000 and INR 25,00,000 under same policy.
• The standard coverage option includes benefits like pre and post hospitalisation expense cover, health check-up (every 2 years), coverage for ambulance charges, coverage for day care treatments, etc.
• The custom coverage option allows customization of standard coverage by addition or deletion of certain benefits (e.g. deletion of pre and post hospitalisation cover, addition of deductible option or critical illness cover, etc.) as per individual's requirement.
• A minimum of 8 benefits are covered in this plan.

my: health Medisure Super Top Up Insurance

• This is a top-up plan for families which offers coverage to all the family members in one plan.
• The plan would cover adults between age 18 years and 65 years and children between age 3 months and 23 years.
• The coverage amount for this plan is in the range of INR 3,00,000 and INR 20,00,000 and the deductible amount is in range of INR 2,00,000 and INR 5,00,000.
• Pre and post hospitalisation expenses, day care procedures, etc. are covered under this plan.

my: jeevika Medisure Micro Insurance

• This is a family floater which offers coverage of INR 30,000 specially to poor families.
• Proposer and spouse between age 18 years and 65 years and 2 dependent children between age 6 months and 18 years can be covered under this policy.
• Pre and post hospitalisation expenses, day care procedures, etc. are covered under this plan.

my: jeevika Personal Accident Micro Insurance

• This is a family floater plan which offers accidental coverage of INR 50,000
• Individuals between age 18 years and 70 years and children between age 5 years and 18 years can be covered under this policy.
• This plan offers compensation in case of accidental death, permanent total disability, etc.
• Education fund, cumulative bonus, etc. are covered in this policy.

my: jeevika Cash @ hospital Micro Insurance

• This is a family floater plan which provides certain amount of cash every day during hospitalisation period (only after hospitalisation exceeds 24 hours).
• Individuals between age 18 years and 65 years and children between age 6 months and 18 years can be covered under this policy.
• This plan has three variables:
  • Silver plan- provides maximum coverage of INR 7,500.
  • Gold plan- provides maximum coverage of INR 15,000.
  • Platinum plan- provides maximum coverage of INR 30,000.
• Note: The platinum plan cannot be opted for children.

my: health Personal Accident Policy

• This is a family floater plan which covers accidental coverage for the entire family in the range of INR 3,00,000 and INR 10,00,000.
• The floater can be opted for the policyholder, spouse and 2 dependent children (between age 5 years and 18 years) and dependent parents between age 5 years and 70 years can be covered under this policy.
• The plan is divided into four tables:
  • Table A – provides compensation post accidental death
  • Table B- provides compensation post accidental death or permanent total disability
  • Table C – provides compensation post accidental death or permanent partial disability
  • Table D – provides compensation post accidental death or permanent partial or total disability or temporary total disability
• This plan offers education coverage to cover education cost of dependent children post accidental death or disability of insured person.
• The accident insurance policy also covers for loss of employment, transportation cost of dead body, etc.

Note: In this plan there are three risk categories (based on the nature of job) which are used to calculate the premium.

my:health Medisure Classic Insurance

L&T Insurance my:health Medisure Classic Insurance Plan

my:health Medisure Prime Insurance

L&T Insurance my:health Medisure Prime Insurance Plan