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In today’s fast-paced world, we’re all prone to various health hazards and diseases. Therefore, many insurance providers focus on the importance of investing in a health insurance plan. One of them is L&T Insurance.
Please Note: From August 23 2017, L&T General Insurance is HDFC ERGO General Insurance
The company provides a wide variety of health insurance plans that focus on providing the best benefits to the end consumer. Its unique health insurance plans like Health Medicare Classic, Health Medisure Prime etc. cover individual diseases, ailments affecting a family member and personal accidents as well.
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 firstname.lastname@example.org.
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.