The many Prime reasons to insure your health with L&T Insurance
Get twice the helping hand in case of critical illnesses
Illnesses such as cancer, first heart attack, coronary bypass surgeries, kidney failures and more are termed as critical illnesses by the insurance industry. Their treatment costs a lot more than most other illnesses. Therefore the L&T insurance Medisure Prime product offers you double the sum insured in the event of any of the specified 9 critical illness.
Important TIP: If you plan to buy a cover for Rs 10 lacs sum assured which covers critical illness, you may want to consider the option of purchasing a Rs 5 lacs cover which will automatically double (sum assured of Rs 10 lacs) during critical illnesses.
For the newborn and the mother
The policy provides cover for the hospitalization expenses related to childbirth. The sum insured for this particular cover is 5% of Sum Insured or Rs 25,000 for a normal delivery and 10% of Sum Insured or Rs 50,000 for a caesarean section or actual cost, whichever is lower. Coverage is applicable towards the first two children for Self and lawful Spouse who are covered under a single policy for a continuous period of 48 months.
New born baby will be covered for a period of 90 days from date of birth (without intimation) within the maternity limits.
IMPORTANT TIP: You need to share the good news of your child's birth with us to continue the coverage even after 90 days, on our Toll free no. 1800-209-5846 and we shall make the necessary arrangements to include your child in your family floater policy with an incremental addition in the annual premium.
Reinstatement of Sum Insured in case of hospitalisation due to an accident
If during the term of your policy, the entire sum insured gets used up and there is a second hospitalization due to an accident, the sum insured of your policy is 'reinstated' or 'replenished' to the extent of claim amount but not exceeding the Sum Insured. This additional amount will be available only ONCE during the 12-month policy period and shall be available when the basic Sum Insured opted under the policy has been exhausted or is inadequate to cover this second hospitalization due to accident.
Lump-sum recovery benefit
If you have been hospitalized beyond 10 continuous days, it is possible that you would need some more time to recover fully before you get back to your usual lifestyle. With this insight, L&T my:health Medisure Prime Insurance offers you a lumpsum recovery benefit of Rs 10,000.
You might wish to take a short holiday away from the city and rejuvenate yourself.
FREE Health Check up every alternate year
After every two consecutive renewals (if you are above 45 years at the time of the 2nd renewal). L&T Insurance will sponsor a free medical check up, provided no claims have been lodged in the preceding two years.
Pre-existing conditions covered, after a probation period of 2 years.
We do cover any hospitalization expenses arising out of illnesses that you had prior to the commencement of your policy (commonly called pre-existing diseases). This expense will automatically be covered after you have completed two years of continuous coverage.
IMPORTANT TIP: To avail of the coverage, please ensure that you renew your policy before the policy expires. To be on the safe side, we recommend you go for the two year policy period option.
Unlimited Day Care Procedures up to Sum Insured limit
Medical science has advanced such that many of the operations that used to require hospital stay for a few days are now treated in a day and patients can go home the same day. my:health Medisure Prime Insurance has not limited the number of procedures that can be covered under your policy.
In case of hospitalization due to organ transplants, my:health Medisure Prime Insurance policy covers not only the hospitalization expenses related to the person under treatment but also the hospitalization and treatment expenses of the donor.