L&T - My:Health Personal Accident Plan
L&T General Insurance Company Limited is a wholly owned subsidiary of Larsen & Toubro Limited. The company offers all types of General and Health insurance products. With state-of-the-art technology, L&T General Insurance aims to provide seamless service to the customers.
Toll-Free No.: 1800-209-5846
E-mail Id.: help@ltinsurance.com
L&T My:Health Personal Accident Plan
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features - L&T My:Health Personal Accident Plan
Cost of Supporting Items: If the use of supporting items like crutches, wheelchair, artificial limbs, etc., becomes necessary due to injuries sustained in an accident, then the costs are reimbursed
Education Benefit: Cost of education of dependent children is covered in case of Accidental Death or loss of limbs/eyes or permanent total disablement
Loss of Employment Benefit: A lump sum compensation is paid, in the event of loss of employment following an accident resulting in loss of limbs/eyes or permanent total or partial disablement.
Ambulance Charges: Charges paid for transportation to the hospital by an ambulance will be paid up to 1000/-
Transportation Expenses: Expenses incurred on transportation of the mortal remains is also covered up to 2% of the Sum Insured or 2500/- whichever is lower
Out Patient Medical Expenses: In addition to the Accidental Death or disablement benefits, the policy provides reimbursement for medical expenses incurred for treatment following an accident.
Eligibility Criteria - L&T My:Health Personal Accident Plan
| Category | Details | |||||||
|---|---|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 5 Years Max Entry Age: 70 Years Min Entry Age: 5 Years Max Entry Age: 18 Years for Dependent children |
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| Renewal Age | Life Long Renewal | |||||||
| Sum Insured | Rs. 3 Lacs to Rs. 25 Lacs | |||||||
| Policy Tenure | 1 Year, 2 Years and 3 Years | |||||||
| Family Definition | Individual & Family - Self, (Spouse, Dependent Children and Parents - will be limited to 50% & 25% opted by Insured) | |||||||
Product Benefits - L&T My:Health Personal Accident Plan
| BENEFITS | Table A | Table B | Table C | Table D | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Accidental Death | 100% of Sum Insured | |||||||||||||
| Permanent Total Disability | Not Covered | 100% of Sum Insured | ||||||||||||
| Permanent Partial Disability | Not Covered | As per the limits specified in the table | ||||||||||||
| Temporary Total Disability | Not Covered | 1% of SI per week, not exceeding Rs. 6000 per week and maximum of 100 weeks | ||||||||||||
| Education Benefit | For 1 Child up to age of 23 years - 10% of SI; Maximum Rs. 12500 For more than 1 child upto 23yrs - 10% of SI; Maximum Rs. 25000 |
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| Loss of Employment | 1% of SI or Rs. 15000 whichever is less (Once during the financial year) | |||||||||||||
| Transportation Expenses | 2% of SI or Rs. 2500 whichever is less | |||||||||||||
| Ambulance Charges | Rs. 1000 | |||||||||||||
| Out Patient Medical Expenses | Reimbursement up to Rs. 1000 per accident or a max. upto Rs. 2500 per policy. | |||||||||||||
Add-ons - L&T My:Health Personal Accident Plan
| Add-ons | Details | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost of Supporting Items | If the use of supporting items like crutches, wheelchair, artificial limbs, etc., becomes necessary due to injuries sustained in an accident, then the costs are reimbursed. | 2% of SI; maximum Rs. 10000 | ||||||||||||||
| Cost of Travel | In case the accident occurs at a place away from the residence, The cost of travel to your residence OR The cost of travel of a friend or relative nominated by you to the location of accident would be paid. | The cost of travel to insured residence or Travel for insured person - up to 2% of SI or maximum Rs. 10000 whichever is less | ||||||||||||||
| Medical Extension Benefit | The policy can optionally reimburse the hospitalization cost arising out of the accident. The reimbursement amount will be proportional to the additional premium paid to avail this benefit. | 50% / 100% of compensation paid in settlement of a valid claim or 20% / 50% of SI or actual expenses, whichever is less |
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Additional Discounts - L&T My:Health Personal Accident Plan
| Discounts | Details | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Family Discount - | 10% Family Discount will be available if minimum 3 members are covered under the same policy. | ||||||||||
Exclusion - L&T My:Health Personal Accident Plan
Accidental Bodily Injury that you meet with or arises out of:
- Any existing disability prior to the inception of this policy
- Compensation/Claim under more than one of the categories mentioned in the policy which exceeds the Capital Sum Insured
- Claims arising of sickness/illness
Death or Disablement caused due to:
- Intentional self-injury, suicide or attempted suicide
- Whilst under the influence of alcohol or drugs
- Whilst engaging in any sort or form of adventurous sport
- Committing any breach of law with criminal intent
- Child birth, pregnancy or related ailments
- Trespassing into any public or private property, etc.
Claim Process - L&T My:Health Personal Accident Plan
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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