L&T Medisure Classic Plan

Lack of sufficient exercise and poor food habits has resulted in numerous health risks. To make this worst, even the tiniest illness can burn holes in your pocket. That is why L&T offers you my:health Medisure Classic Insurance as a careful and holistic pathway towards protecting your complete well-being.

The plan is well intended for a steady transition from a medical crisis so that you can focus on your healing rather than fretting over the expenses.

Please Note: From August 23 2017, L&T General Insurance is HDFC ERGO General Insurance

Highlights of Medisure Classic Plan

  • Choice of additional coverage for listed critical illnesses
  • Offers restoration of the sum insured in accidental cases
  • Option to suspend the limits on room rent and ICU charges

Scope of cover

Indivdual Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Age Bar

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 2

Sum Insured

1 - 5 lakhs


For longer policy term
family discount

Policy Periods Available

1, 2 years

Pre-Policy Medical Check-up

51 years & Above - Compulsory

Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Age Bar

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

2 - 5 lakhs


For longer policy term
family discount

Policy Periods Available

1, 2 years

Pre-Policy Medical Check-up

51 years & Above - Compulsory

Important Features

Day Care Treatments

Due to scientific progress, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. The plan covers such procedures. There is no static list of such treatments as it is continuously updated depending on the advances in medical science.

    No-Claim Benefits

    No-claim bonus equal to 5% of basic sum insured up to a maximum of 50% is available. However, the cumulative bonus is reduced to 20% once you claim. Rest assured, your sum insured will not be affected.

      Pre Hospitalization

      The insurance company will compensate you for the medical expenses 30 days before the actual hospitalization.

        Post Hospitalization

        The insurance company will pay you for the medical expenses 60 days post actual hospitalization.

          Restore Benefits

          Offers restoration of 100% of the sum insured in case of an accident. This advantage gets activated irrespective of complete exhaustion of the sum insured.

            Good to Have Benefits

            OPD Expense Cover

            This plan does not cover expenses related to outpatient treatment.

              Daily Hospitalization Allowance

              Provides you a payment of a daily hospital cash of Rs. 500 per day from day 4 to day 10 provided the hospitalization exceed three continuous days.

                Health Check-up

                Offers complimentary health check-up for some listed tests, once every four claim free years limited to 1% of sum insured.

                  Home Hospitalization/ Domiciliary Hospitalization

                  Pays for the costs for the treatment taken at home for a minimum of three days due to non-availability of the hospital bed or on doctor's advice. It also covers for any pre-hospitalization expenses up to 30 days related to such treatment.

                    Non- Allopathic Treatment Expense Cover

                    This plan covers for Ayurvedic treatment up to Rs. 25,000 per policy year.

                      Emergency Ambulance

                      Provides reimbursement for ambulance expenses up to INR 1,500 per hospitalization.

                        Value Adds


                        Does not provide coverage for any costs towards eye treatment.

                          Maternity Cover

                          Offers to cover the maternity and newborn baby up to the limit as below:

                          • Maximum of 10% of Sum Insured or Rs. 20,000/- for a normal delivery and 20% of Sum Insured or Rs. 40,000/- for a caesarean section or actual cost, whichever is lower
                          • New-born baby covered for 90 days from the date of birth within the maternity limits. After 90 days, you can add the baby to your policy at an additional premium.

                            Dental Coverage

                            This policy does not cover the costs towards any dental treatments unless necessitated due to an accident that requires minimum 24 hours hospitalization.

                              Recovery Benefit

                              Provides lump sum amount of Rs. 5,000 in the case of your hospitalization for any covered illness or disease that exceeds a continuous period of 10 days.

                                FREE LOOK PERIOD

                                For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                                  Add-on Covers

                                  At an additional premium, you can opt for the below benefits.

                                  CRITICAL ILLNESS COVER

                                  Provides an extra cover equivalent to the sum insured excluding the cumulative bonus for the treatment of certain illnesses such as Cancer, Kidney Failure, Multiple Sclerosis, Primary Pulmonary Hypertension, Major Organ Transplant, and so on.

                                    WAIVER OF ROOM RENT SUB LIMIT

                                    Allows to waive off any limits set on the room rent or ICU charges of the plan.

                                      Terms & Conditions

                                      Room Rent / Room Category

                                      The plan comes with the built-in feature of room rent limitation towards the class of the room and ICU.

                                      • 1% of basic sum insured (excluding cumulative bonus) up to a maximum of INR 4,000 per day.
                                      • 2% of basic sum insured (excluding cumulative bonus) up to a maximum of INR 6,000 per day for ICU room- rent.


                                        Co-payment of 10% applies to all those who are 80 years and above.

                                          Waiting Period

                                          Cooling Off Period

                                          A 30 days cooling off period for all claims except any arising out of accidental injuries.

                                            Specific Illnesses

                                            The policy covers specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

                                              Pre-Existing Illnesses

                                              You cannot claim for any pre-existing condition for the first three years of the policy.

                                                Permanent Exclusions

                                                The plan will not cover any liabilities towards the treatments of following conditions-

                                                • Whose signs or symptoms first occur within 30 days of the policy period
                                                • Attempted suicide
                                                • Use of alcohol or drug
                                                • AIDS
                                                • Pregnancy, childbirth, miscarriage, and abortion
                                                • Congenital disease
                                                • Infertility and in vitro fertilization.
                                                • Hospitalization out of war, riot, strike and nuclear weapons

                                                Review of L&T Medisure Classic Plan

                                                With a dependable name like L&T, the insurance becomes easier. With an assorted coverage and benefits along with convenient claim settlement, L&T's Classic Plan is worth consideration. It offers a broad coverage for the entire family with a guaranteed peace of mind. With added features like maternity & newborn baby cover and restoration of the cover amount in accidental cases, the plan is a bundle of beneficial coverage.

                                                **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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