L&T Health Insurance

• No. of members- The plan covers maximum 4 members of your family with up to 2 children and 2 adults.
• Lifelong Policy Renewal– The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
• Pre & Post hospitalization cover- The health insurance plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
• Health Check-ups– Offers health check-up for all insured after 4 continues claim-free years.
• Pre-existing diseases- Pre-existing diseases are covered after 3 years of waiting period

• The company brings reliability, financial strength and proficiency, backed by a world class brand and seven decades of supreme leadership of the L&T Group.
• A personal case manager is allotted on request to explain policy benefits, resolve any doubts along with around the clock claim assistance services.
• The company promises cashless claim settlement within 6 hours for requests made between 9am-9pm on working days and cash reimbursement within 6 working days.

There are two ways to make claim under a health insurance policy on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a L & T Network Hospitals of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

In case of any emergencies, you need to inform L&T within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via L&T's toll free number 1800-209-5846. The same could also be emailed to help@ltinsurance.com.

Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Backed by the array of top-notch insurance professionals and a trustworthy brand, L&T insurance company delivers unbeatable services to their customers. Their commitments about stringent response times for service delivery and claims undeniably reserves one of the top slots for them in insurance domain in India. With an option of waiving the room rent sub-limits and the waiting period of only 3 years for Pre-Existing Diseases, L&T Health Insurance plans definitely scores the brownie points.