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Main Highlight of the plan

  • This plan offers option to opt for additional coverage for critical illnesses listed in the document.
  • This plan offers restoration of the sum insured only in case of accidents.

Scope of cover


Entry Age

Maximum Number of Members

Sum Insured Range

Discount on premium

Individual plan

Children- 3 months to 18 years

Adult age- 18 years to 65 years

Total Members- 10

Adults -4

Children- 6

INR 1,00,000 to INR 5,00,000

10 % for more than two members for a maximum of 6 members

Family floater plan

Children- 3 months to 23 years

Adult age- 18 years to 65 years

Total Members- 4

Adults- 2

Children- 2

INR 2,00,000 to INR 5,00,000

All the members are covered under single premium

Coverage: Benefits & Features

Most Important


This plan has room-rent limit on up to-
  • 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.
  • Note: By payment of additional premium the room rent limit can be waiver off.


This plan has age based co-pay equal to 10% of claimable expenses for individuals of age 80 years and above.


In this plan no-claim bonus equal to 5% of basic sum insured up to a maximum of 50% is available for each unclaimed year. However, the cumulative bonus is reduced to 20% once a claim is made.
  • Note: After any claim, only the cumulative bonus would be reduced at the time of renewal. However, the basic sum insured will not be affected.

Good to have


30 days of pre-hospitalization and 60 days of post hospitalization are provided in this plan.


This plan offers restoration of sum insured in case of accident. This benefit gets activated irrespective of complete exhaustion of the sum insured.


This plan offers health check up benefit equal to 1% of sum insured after every 4 claim free years.

Value Adds


This plan provides reimbursement for ambulance expenses up to INR 1500 per hospitalization.


This plan does not provide coverage for eye treatment expenses.


Domiciliary coverage up to sum insured is offered in this plan only if the hospitalization exceeds 3 days.


This plan does not have any outpatient benefits.


This plan has an option to have additional coverage equal to the sum insured for the listed critical illnesses.
  • Note: This additional cover can be opted for sum insured of INR 2,00,000 and above.


This plan cover medical expenses for non cosmetic Ayurvedic treatments up to a maximum of INR 25,000 per policy year.
  • Note: Only Ayurvedic treatment for list of diseases mentioned in the document are covered after in-patient treatment (minimum 24 hours hospitalization) from a Government registered hospital.


This plan does not covers dental expenses.


After 3 continuous days of hospitalization, daily cash up to INR 500 is available for the insured from day 4 up to 10th day of hospitalization.


This plan does not cover expenses related to organ donor in case of organ transplant.


This plan provides convalescence benefit equal to INR 5,000 in case hospitalization exceeds 10 days.


This plan covers maternity expenses after a waiting period of 4 years for a maximum of 2 deliveries, as follows:
  • - Equal to 10% of sum insured up to maximum of INR 20,000 for normal delivery.
  • - Equal to 20% of sum insured up to maximum of INR 40,000 for caesarean delivery.
  • Note: These charges also include coverage for new born for a period of 3 months.
  • - For maternity to get covered, only the female needs to be covered either on individual or family floater basis.


A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.
Waiting period of 2 years is applicable for specified ailments. Refer to the medical insurance policy wordings for the list of these specified ailments.
Waiting period of 3 years is applicable for pre-existing diseases.


Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.

Coverfox Review

L&T's Medisure Classic health insurance plan has been designed as a budget/economy category version of Medisure Prime. It is a standard health insurance with standard terms like Room Rent limits (1% of sum insured or Rs. 4000 whichever is lower), which will get it a rating of 2 out of 5.

The product has option of a couple of add-ons like Waiver or Room Rent and Double Critical Illness Cover that considerably improves the product.

Another very important condition to be noted before signing up is the 10% compulsory copay, once you cross the age of 80 years.

"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."