L&T Health Personal Accident Insurance Plan

The Personal Accident Insurance offers by L&T is a and helps you and your family to be financially secure even after some unwanted occurrence. The L&T Personal Accident Insurance provides both family package cover and individual cover. This health insurance plan comes with education benefits as well as loss of employment benefits. With the help of L&T Personal Accident Insurance plan, you can meet the expenses involved in accidental injuries caused to you and your dependents.

Features & Benefits of L&T 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.

*** Please check the policy document for further information.

Find cashless network hospitals nearby: L&T Health Insurance Network Hospitals

Also Read: Check Incurred Claim Ratio of Health Insurers

Also Read: Best Health Insurance Plans

Also Read: How to File a Claim with L&T Health?

*Note - Larsen & Toubro Limited has divested its complete stake in L&T General Insurance Company Limited. HDFC ERGO General Insurance Company Limited has bought stakes in L&T on June 3, 2016 through a share Purchase Agreement.

Other Health Insurance Plans from L&T Health:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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