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| 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 |