Larson & Toubro Limited is the owner of the L&T General Health Insurance company. This company offers a variety of insurance policies not only for individuals but also for corporates as well.
Some of the other insurances that are offered by the company include motor insurance plans, home insurance plans and corporate insurance plans. The policies offered by L&T are all customer-centered, where the top priority of the company is to help and benefit their customers.
The policies that are sold by the company cover a wide range. There are a number of policies that include a number of coverages so that the customer can find the perfect policy for him/her. For example, even the health insurance policy has a number of sub-policies that cover the general health insurance of the customer along with added features.
L&T General Insurance Company has a strong position in the Indian health insurance industry because of the strong financial support that it has acquired. Some of the advantages of buying an L&T Health Insurance are as follows:
Insurance coverage for the entire family including two adults and two children are covered under the L&T Health Insurance coverage.
Pre-hospitlalization coverage for 30 days and post-hospitalization coverage up to 60 days in provided under the health insurance plan.
At the end of four continuous claim-free years, the family that is insured gets a free health checkup.
These plans can cover an individual and his/her family for a lifetime as long as the plan is removed on a periodic basis
Those who are past the age of 80 years get a co-payment facility.
Unlimited hospital room rents.
Claims assistance for policyholder is provided on a 24 x 7 basis. Customers can ask for help and other services anytime, anywhere.
Anyone who is above the age of 18 years can avail for an individual policy. Children between the ages of 3 months and 23 years can also be covered under the policy. There is not maximum age for applying to this plan. For critical illness coverage, the minimum age is 65 years.
The premium of the health insurance for a person who applies for L&T Health Insurance depends on the following factors:
An individual who is 30 years old wants a Rs. 5 Lakh insurance cover. Then the coverage premium amounts to be Rs. 9,439.
An individual wants to buy a plan for himself and his newly married wife as well. He wants a plan for Rs. 7 lakhs. The individual is 32 years old, and his wife is 30 years old. Then the premium for their health insurance combined us Rs. 18,256.
An individual who wants a health insurance plan that covers his family. His family comprising of him, his wife and two children. The individual's age is 43 years, his wife is 42, and their two children are 7 and 12 years respectively. The coverage is for Rs. 10 lakh and the premium that will be charged is Rs. 38, 984.
The claims process is a simple process with L&T Health Insurance. If any policyholder wishes to claim their insurance, they have to download the claims form that is present on the L&T website. The claims form has to be filled completely. This form, along with all relative documents such as hospital bills and receipts need to be submitted to the company.
Once the insurance company receives all the relevant documents that are needed for the claiming of oneís insurance, they will evaluate them. The claims will be reimbursed to the customer within a maximum period of 30 days.
City 2, Plot No.177, CST Road, Kalina,
Santacruz (East), Mumbai ? 400 098
Tel: +91-22-61230000Fax: +91-22-61230145
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