L&T Health Personal Accident Insurance Plan

Entry Age

For Adults:

• Minimum age- 5 years
• Maximum age - 70 years.

For Children:

• Minimum age - 5 years
• Maximum age - 18 years.

Basis

Family Package Cover as well as Individual Cover.

Renewability

The policy can be renewed.

Special Features

The key features of the policy include:

• Policy period is 1, 2 and 3 years.
• Policy provides Family Package cover as well and Individual Cover.
• Sum assured for dependents and spouses are limited to 20% and 50% respectively.
• Sum assured can be renewed.
• Get renewal bonus if you renew the policy within 30 days from its date of expire.

Premium

Premiums vary based on the following factors :

• Sum Insured opted.
• Your occupation.
• Table of cover taken.
• Optional extensions chosen by you.

Policy coverage

The policy offers multiple options to choose from. You can choose among the following options:

• Accidental Death only
• Permanent Total Disability/ Accidental Death
• Accidental Death/Permanent Partial/ Total Disability
• Accidental Death/Permanent Total Disability/Permanent Partial Disability/ Temporary Total Disability

Benefits

The policy provides the following benefits:

• It provides compensation for a physical loss such as death or disablement caused by accidental injury within a period of 12 months from the date of accident.
• Education benefits- It cover the cost of education for children, in case the policyholder meets with an accident.
• Loss of employment benefits.
• It also cover the cost involved in transportation, ambulance service and outpatient medical expense.
• Medical extension benefits
• The cost of travel to your home or any other place is covered. Get paid 2% of the sum assured or up Rs. 10,000 as cost of travel.
• Medical extension benefits

Discount

Family discount of 10% on the premiums paid for Family Package cover and Individual cover.

Exclusions

The policy does not cover any existing disability, claims for more than one categories mentioned in the policy document. It also does not cover death and disablement caused due to self-injury, suicide or attempted suicide, consumption of alcohol or drugs, childbirth, pregnancy etc.