• L&T Health Personal Accident Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    The Personal Accident Insurance offers by L&T is a comprehensive health insurance plan 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.

    Check Your Eligibility

    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 of 2017

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

    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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    L&T Health Personal Accident Insurance Plan Reviews

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    • Page 1 of 1
    • L and T Health Insurance
      "Good medical coverage with low Premium"
      0.5 5.0/5 "Blown Away!"
      It is more recommendable insurance from L & T . Premium was very less but it has more features on it. I used to pay Rs. 3500 could claim upto hospitalization of 5 Lakhs. It covers for entire family it was good and useful for every one.
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      , vadodara
      Reviewed on Nov 12, 2016
    • L and T Health Insurance
      "Highly inefficient and delay. Non issuance of policy-15days"
      0.5 0.5/5 "Unacceptable"
      Despite I paid full amount and provided all clarity and required documents/reports. L&T failed to provide a policy and highly inefficient in their response. For every email they want 3 business days to reply. So, I do not recommend insurer
      Was this review helpful? 1

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      , pune
      Reviewed on Aug 17, 2016
    • L and T Health Insurance
      "Not yet used "
      0.5 5.0/5 "Blown Away!"
      Its good experience from L&T in case of health Insurance services.The documents related to the insurance were received within 10-15days.It takes 3years tenure for covering pre-existing disease in the Insurance.The critical illness also has some particular waiting period.
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      , pune
      Reviewed on Aug 05, 2016
    • L and T Health Insurance
      "Average service "
      0.5 3.0/5 "Satisfactory"
      It was company provided Insurance through L&T General Insurance.For getting the claim processed we need to get the form from HR executives.There is very few hospitals listed under the Insurance which was not a convenient option as a customer.
      Was this review helpful? 1

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      , chennai
      Reviewed on Jul 21, 2016
    • L and T Health Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      From L&T I have taken a health plan for my mother which I took through online. There was no any medical check up. Overall process was completed in ten days and sent all the papers on time. After three years of time they will cover the pre existing.Cashless treatment facility is available.
      Was this review helpful? 0

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      , hyderabad
      Reviewed on Jul 02, 2016
    • L and T Health Insurance
      "Horrible than some of the govt owned insurance provider."
      0.5 1.0/5 "Really Bad"
      They Don't update call or let you know about the progress for getting the policy issued once you just swipe the card it takes more than 3 days for them to get dr.approval for fresh policy to be issued. It is only you have to call to get the update from them..
      Was this review helpful? 1

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      , mumbai
      Reviewed on Apr 14, 2016
    • L and T Health Insurance
      "Good..."
      0.5 4.0/5 "Great!"
      Agent suggested and also compared as I liked the policy at L&T General insurance. The no claim bonus in a year is is 5% and it does not come down. Normally companies give 30% for no claim and if we claim anything the bonus will be not there. Though we claim, the bonus remains the same as 5%. Ayurvedic medicines and treatments also claimable.
      Was this review helpful? 0

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      , thane
      Reviewed on Feb 20, 2016
    • L and T Health Insurance
      "Excellent Services"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with L& T. The services are very good. It is a family floater policy. I have taken the benefits when I was hospitalized. The executive visited me at the hospital and processed everything. The cash less facility is good.
      Was this review helpful? 1

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      , bangalore
      Reviewed on Feb 15, 2016
    • L and T Health Insurance
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      L&T General Insurance has been good in their services. I have taken my health insurance for them. It is a family floater policy. I have also had a claim experience. It was a reimbursement. I got the amount I had claimed for. It was a smooth process. The process took a month. The premium is on a yearly basis. They also have cashless facility.
      Was this review helpful? 1

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      , mumbai
      Reviewed on Nov 14, 2015
    • L and T Health Insurance
      " Best health insurance "
      0.5 4.0/5 "Great!"
      Medical coverage is 2 lakhs for the whole family per year from L&T. Cashless treatment is available. Minimum 24 hour hospitalization is must. The listed hospital are nearby the location. I have taken the plan through the company. The customer service is excellent.
      Was this review helpful? 0

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      , gadag
      Reviewed on Nov 07, 2015
    • L and T Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am paying around 15000 Rupees for the L&T health insurance. They are good with the service and it covers full family . The coverage is around 3 lakhs for every person in the family. They are having the enough number of the networking hospitals which is really good. I dont have any claim experience with them. They are having the cashless treatment facility on everywhere.
      Was this review helpful? 1

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      , new delhi
      Reviewed on Sep 26, 2015
    • L and T Health Insurance
      "Very efficient..."
      0.5 3.5/5 "Pretty good"
      Infact this is a corporate offer and family floater where me and my spouse been covered. Entirely the coverage for both of us is 25lakhs. L&T General Insurance is not covering the existing diseases for two to three years. OPD cases are covering in certain cases. Health insurance is quite efficient.
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      , mumbai
      Reviewed on Sep 15, 2015
    • L and T Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My health insurance is from L&T general insurance. The coverage is for my family and myself. The premium is on a yearly basis. I recently took the insurance with them. So not very sure of their benefits. The service was average from them.
      Was this review helpful? 0

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      , mumbai
      Reviewed on Sep 10, 2015
    • L and T Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my health insurance with L&T general insurance. It is a corporate insurance got from the company I work for. The premium is on a yearly basis. It is of 6500. The coverage is of 5 Lakhs. It is for my family and myself.
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      , chennai
      Reviewed on Aug 20, 2015
    • L and T Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance with L&T.The coverage is really good.Its the coverage of 8 lakhs with the full of family.The process is really good with them
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      , coimbatore
      Reviewed on Jun 26, 2015
    • L and T Health Insurance
      "Good"
      0.5 2.5/5 "Just OK"
      The health insurance from Larsen and Tourbo is good. The insurance covers almost all the health related issues and it has got upto 3.5 lakhs coverage for health. The insurance covers only in the case of hospitalization for 24 hours and also it covers accidents. Their toll free number is always working as they are able to provide me with clear solution.
      Was this review helpful? 1

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      , chandigarh
      Reviewed on Jun 06, 2015
    • L and T Health Insurance
      "we strongly believe L&T COMPANY"
      0.5 4.5/5 "Excellent!"
      I have taken the policyl&T medi Classic 2 years back online I just call to direct l&T customer services they help me out for the understand all things. And I have received my soft copes so I am really Happy with the servicess. Before buying any insurance the wordings should be checked thoroughly. IT should cover all the medical needs of the family Nowadys in India medical insurance is heavily competitive Never ever take word of any insurance agent
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      , hyderabad
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    • L and T Health Insurance
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      Was this review helpful? 4

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      , tirupur
      Reviewed on Apr 04, 2015
    • L and T Health Insurance
      "Better Insurance Product"
      0.5 5.0/5 "Blown Away!"
      I have taken Medisure Prime Insurance (Health Insuracne) with L&T. I had purchased this insurance L&T website and this is one of the best insurance policy in the industry since its covers 9 critical illness like cancer, first heart attack, coronary bypass surgeries, kidney failures and etc. This insurance poliy will also cover childbirth related expenses. It will provide free health check-up for every two years if your age is 45 and above, this is important option in Medisure Prime Insurance. The good news is it will cover the Donor Expenses for organ transplants. There are much more features available in this plan overall its one of the good health insurance plan in the market.
      Was this review helpful? 2

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      , chennai
      Reviewed on Mar 09, 2015
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