Eligibility | |
Entry Age (years) | |
Minimum | 18 |
Maximum | 65 |
Maximum Policy Renewal Age (years) | Lifetime renewal |
Coverage Type | Individual/ Family floater |
Sum Insured (Rs) | |
Maximum | 10 lakh |
Minimum | 3 lakh |
Policy Term (years) | 1/2 |
Discount | 10% if family members are insured on an individual basis under the same policy. Family discount is available for a maximum of 6 persons only |
No Claim Bonus | 5% no claim bonus for every claim free renewal till it reaches 50% of initial sum insured |
Pre Policy Medical Check Up | Not required upto 45 years of age |
Free look Period | 15 days |
Grace Period for Policy Renewal | 15 days |
Co Payment Clause | Insured persons above 70 years of age have to bear 25% of the admissible claim amount |
Policy Termination | Either of the parties may terminate this policy by giving a 15 days notice. The insurer would pay proportionate premiums if no claim has been made. |
Customer Service | |
Address |
L&T General Insurance Company Limited 601-602, 6th Floor, Trade Centre, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051 |
Mail to | [email protected] |
Call to | 1800-209-5846 |
SMS | ‘LTI’ to 5607058 |
Network Hospitals | Http://110.234.8.38/ltweb/SearchNspWithoutLogin.aspx |
Scope Of Cover | |
Cashless facility | available if treatment taken in network hospital |
Reimbursement facility | available if treatment availed in non-network hospital |
Pre & post hospitalisation benefit | covers medical expenses upto 60 days prior to hospitalisation and upto 90 days after discharge |
Hospitalisation expenses | covered |
Hospitalisation due to accident | once the opted sum insured is exhausted, equivalent sum insured is restored for hospitalisation due to accident only |
Day care procedures | covered upto sum insured limit |
Hospital cash | pays Rs 1000 per day after 3 continuous days of hospitalisation for maximum of 7 days |
Ambulance charges | covered upto maximum of Rs 1500 per hospitalisation |
Critical Illness | Covers Cancer, Coronary Artery Bypass Surgery, First Heart Attack, Kidney Failure, Multiple Sclerosis, Major Organ Transplant, Stroke, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension |
Maternity and new born baby | 5% of sum insured or Rs 25000 whichever is lower in case of normal delivery and 10% of sum insured or Rs 50000 in case of caesarean delivery |
Pre and post natal expenses | covered upto certain limit |
Lumpsum recovery benefit | a lumpsum equal to Rs 10000 payable if hospitalisation exceeds 10 continuous days |
Free health check-up (for those above 45 years of age) | allowed after 2 consecutive renewals |
Expenses on accompanying person | upto Rs 500 per day after 3 continuous days of hospitalisation for maximum of 7 days |
Donor expenses | covered in case of major organ transplant |
Exclusions and Waiting Period | |
Pre-existing diseases | covered from 3rd year of the policy |
No claim period | 30 days from the start of the policy |
Waiting period | 4 years for maternity benefit2 years for certain diseases such as cataract, hernia, sinusitis etc. |
General exclusions | AIDS or HIV and other related diseases |