• L&T Medisure Prime Policy

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Medisure Prime is a health insurance policy offered by L&T Limited. It is one of the most well-organized health insurance plans that comes with a host of attractive features and service guarantee.

    Key highlights of L&T Medisure Prime:

    • Concierge service is available on request.
    • Provides claim service assurance to ensure that you get claim settlement within 6 hours from the time you have intimated L&T.
    • Provides personal case manager in select cities to explain the benefits of the policy and clarify your doubts.
    • 24×7 claim assistance service.
    • This is a family floater plan.
    • Entry age to buy this policy is 18 years. You can buy this policy up to the age of 65 years.
    • Children up to the age 18 years can be included under this policy.
    • Pre-acceptance medical screening is required if you are above 45 years.
    • Sum assured ranges from Rs. 3, 00,000 to Rs. 10,00,000.
    • You need to renew your policy within 15 days from the date of expiry of the policy to enjoy the continuity benefits.
    • Offers portability benefits that enable you to switch your policy from other insurance providers to L&T.
    • Offers affordable premium rates. Premiums vary depending on the age, sum insured, policy tenure, and the zone of cover etc.

    Policy cover:

    • You get double of the basic sum insured in case of critical illness specified in the policy.
    • This health insurance policy cover the hospitalization expenses incurred during childbirth. Newborn babies can be covered under this policy for 90 days from the date of birth.
    • The sum insured in the policy can be reinstated in case the whole amount is used in hospitalization and there is a second need for hospitalization.
    • The policy offers a lump sum recovery benefit of Rs.10,000.
    • Offers free health check-up every alternate year after consecutive renewal of the policy for two years.
    • Unlimited daycare procedures are covered under the policy.
    • Donor expenses are covered in case of organ transplantation.
    • Ambulance charges are included up to Rs.1500 per hospitalization.
    • Offers hospital cash of Rs.1000 per day from the 4th day of hospitalization up to 10 days.
    • Includes expenses of accompanying person up to Rs.500 per day from the 4th day of hospitalization up to 10 days.

    Value added benefits offered by Medisure Prime:

    • The policy has no sub-limits for any of the medical expenses incurred in room rent, surgeon’s fees, operation theatre charges etc.
    • You have the choice to renew your policy once in two years by paying lower premiums.
    • You can cover up to 4 members of your family including self, wife and two dependent children up to the age of 18 years under the same policy with a single sum insured.
    • The policy offers family discount. You can choose individual sum insured for each of your dependent under a single policy.
    • Get cumulative bonus by 5% at every renewal followed by a claim free year.
    • Get income tax benefits under section 80D of the Indian Tax Act, 1961.
    • Offers a free look period of 15 days.
    • Lifetime renewability is available.
    • No medical screening is required if you are below 45 years.
    • Get flexibility in premium payments based on your location. Premiums vary depending on the health care cost applicable in different cities.

    Major Exclusions under Medisure Prime:

    Mentioned below are a number of medical conditions not covered by Medisure Prime policy:

    • Ailments including Cataract, Benign Prostatic Hypertrophy, Congenital Internal Diseases, Fistula in Anus, Piles, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Sinusitis and related disorders are not covered unless the policy is two years old.
    • Pre-existing diseases will not be covered for the first 2 years of the policy.
    • Disease detected during the first 30 days of from the time of buying the policy will not covered.
    • Domiciliary treatment expense.
    • Expenses incurred in treating mental disorder, anxiety and.
    • Treatment caused by self-injury and attempted suicide.
    • Expenses incurred in treating alcohol or drug related complications.
    • AIDS or HIV related complications will not be included.

    Find cashless network hospitals nearby: L&T Health Insurance Network Hospitals

    Other Health Insurance Plans from L&T:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    L&T Medisure Prime Policy Reviews

  • Page 1 of 1
    • L and T Health Insurance
      "Good medical coverage with low Premium"
      0.5 5.0/5 "Blown Away!"
      It is more recommendable insurance from L & T . Premium was very less but it has more features on it. I used to pay Rs. 3500 could claim upto hospitalization of 5 Lakhs. It covers for entire family it was good and useful for every one.
      Was this review helpful? 0
      , vadodara
      Reviewed on Nov 12, 2016
    • L and T Health Insurance
      "Highly inefficient and delay. Non issuance of policy-15days"
      0.5 0.5/5 "Unacceptable"
      Despite I paid full amount and provided all clarity and required documents/reports. L&T failed to provide a policy and highly inefficient in their response. For every email they want 3 business days to reply. So, I do not recommend insurer
      Was this review helpful? 1
      , pune
      Reviewed on Aug 17, 2016
    • L and T Health Insurance
      "Not yet used "
      0.5 5.0/5 "Blown Away!"
      Its good experience from L&T in case of health Insurance services.The documents related to the insurance were received within 10-15days.It takes 3years tenure for covering pre-existing disease in the Insurance.The critical illness also has some particular waiting period.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 05, 2016
    • L and T Health Insurance
      "Average service "
      0.5 3.0/5 "Satisfactory"
      It was company provided Insurance through L&T General Insurance.For getting the claim processed we need to get the form from HR executives.There is very few hospitals listed under the Insurance which was not a convenient option as a customer.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 21, 2016
    • L and T Health Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      From L&T I have taken a health plan for my mother which I took through online. There was no any medical check up. Overall process was completed in ten days and sent all the papers on time. After three years of time they will cover the pre existing.Cashless treatment facility is available.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 02, 2016
    • L and T Health Insurance
      "Horrible than some of the govt owned insurance provider."
      0.5 1.0/5 "Really Bad"
      They Don't update call or let you know about the progress for getting the policy issued once you just swipe the card it takes more than 3 days for them to get dr.approval for fresh policy to be issued. It is only you have to call to get the update from them..
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 14, 2016
    • L and T Health Insurance
      "Good..."
      0.5 4.0/5 "Great!"
      Agent suggested and also compared as I liked the policy at L&T General insurance. The no claim bonus in a year is is 5% and it does not come down. Normally companies give 30% for no claim and if we claim anything the bonus will be not there. Though we claim, the bonus remains the same as 5%. Ayurvedic medicines and treatments also claimable.
      Was this review helpful? 0
      , thane
      Reviewed on Feb 20, 2016
    • L and T Health Insurance
      "Excellent Services"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with L& T. The services are very good. It is a family floater policy. I have taken the benefits when I was hospitalized. The executive visited me at the hospital and processed everything. The cash less facility is good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 15, 2016
    • L and T Health Insurance
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      L&T General Insurance has been good in their services. I have taken my health insurance for them. It is a family floater policy. I have also had a claim experience. It was a reimbursement. I got the amount I had claimed for. It was a smooth process. The process took a month. The premium is on a yearly basis. They also have cashless facility.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 14, 2015
    • L and T Health Insurance
      " Best health insurance "
      0.5 4.0/5 "Great!"
      Medical coverage is 2 lakhs for the whole family per year from L&T. Cashless treatment is available. Minimum 24 hour hospitalization is must. The listed hospital are nearby the location. I have taken the plan through the company. The customer service is excellent.
      Was this review helpful? 0
      , gadag
      Reviewed on Nov 07, 2015
    • L and T Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am paying around 15000 Rupees for the L&T health insurance. They are good with the service and it covers full family . The coverage is around 3 lakhs for every person in the family. They are having the enough number of the networking hospitals which is really good. I dont have any claim experience with them. They are having the cashless treatment facility on everywhere.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 26, 2015
    • L and T Health Insurance
      "Very efficient..."
      0.5 3.5/5 "Pretty good"
      Infact this is a corporate offer and family floater where me and my spouse been covered. Entirely the coverage for both of us is 25lakhs. L&T General Insurance is not covering the existing diseases for two to three years. OPD cases are covering in certain cases. Health insurance is quite efficient.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 15, 2015
    • L and T Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My health insurance is from L&T general insurance. The coverage is for my family and myself. The premium is on a yearly basis. I recently took the insurance with them. So not very sure of their benefits. The service was average from them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 10, 2015
    • L and T Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with L&T general insurance. It is a corporate insurance got from the company I work for. The premium is on a yearly basis. It is of 6500. The coverage is of 5 Lakhs. It is for my family and myself.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 20, 2015
    • L and T Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance with L&T.The coverage is really good.Its the coverage of 8 lakhs with the full of family.The process is really good with them
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 26, 2015
    • L and T Health Insurance
      "Good"
      0.5 2.5/5 "Just OK"
      The health insurance from Larsen and Tourbo is good. The insurance covers almost all the health related issues and it has got upto 3.5 lakhs coverage for health. The insurance covers only in the case of hospitalization for 24 hours and also it covers accidents. Their toll free number is always working as they are able to provide me with clear solution.
      Was this review helpful? 1
      , chandigarh
      Reviewed on Jun 06, 2015
    • L and T Health Insurance
      "we strongly believe L&T COMPANY"
      0.5 4.5/5 "Excellent!"
      I have taken the policyl&T medi Classic 2 years back online I just call to direct l&T customer services they help me out for the understand all things. And I have received my soft copes so I am really Happy with the servicess. Before buying any insurance the wordings should be checked thoroughly. IT should cover all the medical needs of the family Nowadys in India medical insurance is heavily competitive Never ever take word of any insurance agent
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 13, 2015
    • L and T Health Insurance
      "Good !!!"
      0.5 4.0/5 "Great!"
      Via online I purchased this health insurance and one of the executives suggested to take it with L&T General insurance. Ideally the coverage is of 80-90%. Normally L&T is not covering diabetics initially where they are covering post three years. In comparison to other insurance companies, coverage is very good but premium is bit high.
      Was this review helpful? 4
      , tirupur
      Reviewed on Apr 04, 2015
    • L and T Health Insurance
      "Better Insurance Product"
      0.5 5.0/5 "Blown Away!"
      I have taken Medisure Prime Insurance (Health Insuracne) with L&T. I had purchased this insurance L&T website and this is one of the best insurance policy in the industry since its covers 9 critical illness like cancer, first heart attack, coronary bypass surgeries, kidney failures and etc. This insurance poliy will also cover childbirth related expenses. It will provide free health check-up for every two years if your age is 45 and above, this is important option in Medisure Prime Insurance. The good news is it will cover the Donor Expenses for organ transplants. There are much more features available in this plan overall its one of the good health insurance plan in the market.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 09, 2015
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