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Main Highlight of the plan

  • The premium of this plan differs with the geographical location.
  • This plan offers additional coverage for critical illnesses from those listed in the document along with restore benefit in case of an accident.

Scope of cover


Entry Age

Maximum Number of Members

Sum Insured Range

Discount on premium

Individual plan

Children- 3 months to 18 years

Adult age- 18 years to 65 years

Total Members- 10

Adults -4

Children- 6

INR 3,00,000 to INR 10,00,000

10 % for more than two members for a maximum of 6 members

Family floater plan

Children- 3 months to 18 years

Adult age- 18 years to 65 years

Total Members- 4

Adults- 2

Children- 2

INR 3,00,000 to INR 10,00,000

All the members are covered under single premium

Coverage: Benefits & Features

Most Important


This plan does not have any limit on room expenses.


The plan has two co-pays for this plan one is age related and other is zone related co-pay.
  • Age based co-pay of 25% is applicable for individuals above 70 years of age irrespective of treatment location.
  • Zone related co-pay of 10% or 20% is applicable for treatment in different geographical location.


In this plan no-claim bonus equal to 5% of basic sum insured up to a maximum of 50% is available for each unclaimed year. However, the cumulative bonus is reduced to zero once a claim is made.
  • Note: After any claim, only the cumulative bonus would be reduced at the time of renewal. However, the basic sum insured will not be affected.

Good to have


60 days of pre-hospitalization and 90 days of post hospitalization are provided in this plan.


This plan offers restoration of 100% of the sum insured in case of accident. This benefit gets activated irrespective of complete exhaustion of the sum insured.


This plan offers coverage for the list of comprehensive health check-up mentioned in the policy above age of 45 years after every two years.

Value Adds


This plan provides reimbursement for ambulance expenses up to INR 1500 per hospitalization.


This plan does not provide coverage for eye treatment expenses.


This plan does not cover domiciliary hospitalization.


This plan does not have any outpatient benefits.


This plan provides additional coverage equal to the sum insured for the listed critical illnesses. Please refer the policy document for this list.


This plan does not cover medical expenses for alternative practices like Ayurveda, Unani, etc.


This plan does not covers dental expenses.


After 3 continuous days of hospitalization, daily cash up to INR 1000 is available for the insured from day 4 up to 10th day of hospitalization. Also, daily cash of INR 500 per day for a maximum of 7 days is available for person accompanying the insured.


This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured.


This plan provides convalescence benefit equal to INR 10,000 in case hospitalization exceeds 10 days.


This plan covers maternity expenses after a waiting period of 4 years for a maximum of 2 deliveries, as follows:
  • Equal to 5% of sum insured up to maximum of INR 25,000 for normal delivery.
  • Equal to 10% of sum insured up to maximum of INR 50,000 for caesarean delivery.
  • Note: These charges also include coverage for new born for 3 months.
  • For maternity to get covered, both the female and her lawful spouse should be covered under the policy.


A cooling off period of 30 days is applicable on buying health insurance policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.
Waiting period of 2 years is applicable for specified ailments. Refer to the policy wordings for the list of these specified ailments.
Waiting period of 2 years is applicable for pre-existing diseases.


Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.

Coverfox Review

This is L&T Insurance's top-end health insurance product. L&T has tried to bring on table some unique features like Double Sum Insured for listed critical illnesses, pre-existing coverage from year 3 (instead of the standard year 5), No room rent/category limit, etc. The product also tries to innovate on the service side by offering Claim service guarantee in a particular number of hours/days, paying a penalty whenever it fails!

What hits the product ratings badly are 2 things:

(1) conditions like the 2 year waiting period for Hypertension and Diabetes, and (2) the Copay of 25% once you cross age 70.

"Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings."