L&T My Health Medisure Prime Insurance Plan
L&T My Health Medisure Prime Insurance Plan - My: health Medisure Prime Insurance policy is an all-round health insurance plan that covers your medical expenses in case of illness or accident. You can also add your family members under this plan. It is the perfect health protection for you and your family.
Key Features – L&T My Health Medisure Prime Insurance Plan
- Premium is decided on the basis of your location, which means if the expense of treatment is lower at your city than other than you have to pay less.
- In-patient hospitalisation expenses are covered in this policy.
- The policy covers pre and post hospitalization expenses for 60 and 90 days respectively.
- Additional cover equal to sum assured is provided for critical illness like cancer, heart attach etc.
- Maternity and new born baby cover is provided.
- Extra benefit of accidental cover.
Key Benefits – L&T My Health Medisure Prime Insurance Plan
- Option of Family floater, which means you can also cover your family with yourself.
- 5% cumulative bonus benefit for each claim free year, maximum up to 50%.
- Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
- Family discount of 10% is applicable.
Details about premium – (Individual) - L&T My Health Medisure Prime Insurance Plan
Age/Sum Insured |
Zone 1 |
Zone 2 |
Zone 3 |
3m-25 |
4940 |
4,507 |
4,290 |
26-35 |
5,961 |
5,435 |
5,172 |
36-40 |
6,981 |
6,363 |
6,053 |
41-45 |
8,114 |
7,433 |
7,093 |
46-50 |
12,131 |
11,203 |
10,739 |
51-55 |
15,533 |
14,296 |
13,677 |
56-60 |
19,942 |
18,333 |
17,529 |
61-65 |
29,469 |
26,994 |
25,757 |
66-70 |
42,137 |
38,425 |
36,569 |
71-75 |
55,747 |
50,798 |
48,323 |
76-80 |
82,968 |
75,544 |
71,832 |
81-85 |
1,03,383 |
94,103 |
89,463 |
Above 85 |
1,23,798 |
1,12,663 |
1,07,095 |
Zone II: Chennai, Hyderabad, Bangalore, Pune, Kolkata and Gujarat Regions
Zone III: Rest of India (other than Zone I and Zone II locations)
Policy details – L&T My Health Medisure Prime Insurance Plan
Minimum Sum Insured – 3, 00,000 /-
Maximum Sum Insured – 10, 00,000 /-
Age Limit - Entry age for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option. Entry age for dependent Children is 3 months to 25 yrs.
Coverage type – Individual as well as family floater.
No claim bonus - 5% cumulative bonus benefit for each claim free year, maximum up to 50%. In case of a claim during the year, the cumulative bonus will be reduced by 10%
Portability - If you are insured under any other health insurance policy of Non-life insurer you can transfer to L&T My: health Medisure Prime Insurance Policy with all your accrued benefits after due allowances for waiting periods.
Policy termination - Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.
Free look period - If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
Additional Features - L&T My Health Medisure Prime Insurance Plan
- You can renew your policy after 2 year rather than traditional method of 1 year.
- No medical test up to an age of 45 years.
- Lifetime renewal of policy is available.
Exclusions - L&T My Health Medisure Prime Insurance Plan
- Waiting period of 2 years is applicable for pre-existing diseases
- Cosmetic, aesthetic, or related treatments will not be covered.
- Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
- Treatments consisting of non-allopathic medicine are not covered under this policy.
Documents Required - L&T My Health Medisure Prime Insurance Plan
Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.
| Health Insurance Companies in India |
|---|
| Bajaj Allianz Health Insurance India |
| Bharti AXA Health Insurance India |
| Cholamandalam Health Insurance India |
| Cigna TTK Health Insurance India |
| Future Generali Health Insurance India |
| HDFC ERGO Health Insurance India |
| IFFCO TOKIO Health Insurance India |
| L&T Health Insurance India |
| Liberty Videocon Health Insurance India |
| Max Bupa Health Insurance India |
| National Health Insurance India |
| New India Health Insurance India |
| Oriental Health Insurance India |
| Raheja QBE Health Insurance India |
| Reliance Health Insurance India |
| Religare Health Insurance India |
| Royal Sundaram Health Insurance India |
| SBI Health Insurance India |
| Star Health Insurance India |
| United India Health Insurance India |
| Universal Sompo Health Insurance India |