... INSURANCE
...

L&T - Classic

L&T General Insurance Company Limited (L&T Insurance) is a wholly owned subsidiary of Larsen & Toubro Limited. It began operations in the year 2010 and offers a range of products such as Motor, Health, Travel, Home etc.

Product Details

Classic
Sum Insured 1,2,3,4, Lacs 5 Lacs
Room Rent Limit 1% of SI Rs 4000
Restoration No No
Copay 10% Above 80 years 10% Above 80 years
Waiting period for PED 3 years 3 years
No Claim Bonus 5% cumulative, max 50% 5% cumulative, max 50%
ICU Limit/Disease Sub Limit 2% of SI, max Rs 6000 Rs 6000
Day Care Treatments No Limit No Limit
Maternity waiting period "Covered after 48 months.Normal Delivery:Rs 20,000C-Section: Rs 40,000 For SI = 1 Lacs, ND:Rs 10,000, C-Section: Rs. 20,000" Covered after 48 months.Normal Delivery:Rs 20,000C-Section: Rs 40,000
Free Health Check Up Once every 4 continous claim free years Once every 4 continous claim free years
Permanent Exclusions "HIV /AIDS Genetic DisorderMental DisorderSuicide or Drug abuseDental Treatment" "HIV /AIDS Genetic DisorderMental DisorderSuicide or Drug abuseDental Treatment"
Standard Waiting Period 2 years 2 years
Medicals Above 50 years Above 60 years
Renewability Lifelong Lifelong
Pre Hospitalisation expenses 30 days 30 days
Post Hospitalisation expenses 60 days 60 days
Hospitalisation at home 100% of SI 100% of SI
Ambulance expenses Rs 1500 Rs 1500
Cash Allowance Rs 500 per day Rs 500 per day
Non-Allopathic Treatments Rs 25000 Rs 25000
Recovery Benefit Rs 5000 Rs 5000
Eye Cover Not available Not available
Dental Cover Not available Not available
Worldwide Coverage Not available Not available
Critical Illness Cover Not available Not available
Organ Donor Expenses Cover Not covered Not covered
OPD Benefit