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L&T - Prime Insurance

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

Prime
Sum Insured 3,4,5,6,7,8,9,10 Lacs
Room Rent Limit No Limit
Restoration No
Copay 25% Above 70 years
Waiting period for PED 2 years
No Claim Bonus 5% cumulative, max 50%
ICU Limit/Disease Sub Limit No Limit
Day Care Treatments No Limit
Maternity waiting period "Covered after 48 months.Normal Delivery:5% of SI or Rs 25,000C-Section:10% of SI or Rs 50,000
Free Health Check Up Once every 2 years, if age > 45 years
Permanent Exclusions "HIV /AIDS Genetic DisorderMental DisorderSuicide or Drug abuseDental Treatment"
Standard Waiting Period 2 years
Medicals Above 45 years
Renewability Lifelong
Pre Hospitalisation expenses 60 days
Post Hospitalisation expenses 90 days
Hospitalisation at home Not Covered
Ambulance expenses Rs 1500 per day
Cash Allowance Rs 1000 per day
Non-Allopathic Treatments Not Covered
Eye Cover Not available
Dental Cover Not available
Worldwide Coverage Not available
Critical Illness Cover Available
Organ Donor Expenses Cover Not covered
OPD Benefit