This policy covers maternity expenses ( After 4 continuous years of renewal)
L&T Insurance's my:health Medisure Classic Insurance plan is a basic hospitalisation health insurance policy. It covers policyholder against minimum 24 hour hospitalisation due to sickness or / accident.
* In case policyholder has exhausted his /her whole sum insured during any policy year then this policy allows him to claim once more up to the sum insured, for any hospitalisation due to accident.
* This policy covers maternity expenses after four continuous years of renewal. On payment of additional premium, policyholder may also opt for critical cover and waiver of room rent sub-limits.
* The entry age is 18 years while there is no maximum age. However, policyholders above the age of 51 years have to go for medical tests.
* Hospital expenses related to in-patient treatments would be covered. There is a cap of one (1) per cent of sum insured or maximum up to Rs 4,000, whichever is lower, for room rents per day.
* In case of intensive care unit (ICU) cap is two (2) per cent of sum insured or maxi mum up to Rs. 6,000 per day.
* Expenses incurred 30 prior and up to 60 days after actual hospitali sation are covered as pre & post-hopsitalisation.
* Policy would provide 10% of sum insured or / up to Rs. 20,000 for normal child delivery and 20% of sum insured or up to Rs. 40,000 for caesarean process.
* Premium for basic cover of Rs. 5 lakh, without critical illness or / waiver of room rent caps, ranges between Rs. 5,035 and Rs. 37,548 for an individual between the ages of 18 and 85.
* Premium range for waiver of room rent cap is Rs. 1,410 to Rs 12,246.
* For critical illness cover of Rs. 5 lakh, individual between the age of 18 years to 85 years, premium range is Rs. 112 to Rs. 2,388.
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