Sum insured up to ₹15 lakh
Family floater cover assigned by grade band, with no premium deduction for the employee's own cover.
Enrolment open for policy year 2026–27
Group mediclaim cover for L&T employees, administered by Apollo
A single, verified enrolment gives you and your family cashless access to the Apollo network and empanelled hospitals across India. Complete your enrolment in approximately 15 minutes.
- 48,000+
- L&T employees covered
- 12,400+
- Cashless network hospitals
- ₹15 lakh
- Maximum sum insured
Verified enrolment
Identity is confirmed through email, mobile and live selfie verification before your application reaches underwriting.
256-bit encrypted transmission Data protected under DPDP Act 2023 IRDAI Registration No. 138 Trusted by 48,000+ L&T employees
Policy benefits
What the group mediclaim policy provides
Cashless at 12,400+ hospitals
Direct settlement across the Apollo network and empanelled hospitals in 480 cities.
Cover for your family
Spouse, up to two dependent children and dependent parents may be enrolled under the same policy.
Pre-existing conditions covered
Declared pre-existing conditions are covered from day one under the corporate group policy.
How it works
Four stages from registration to cover
- 1
Register
Create your account using any email address you can access and your employee ID.
- 2
Verify
Confirm your email, mobile number and identity through a live selfie check.
- 3
Submit documents
Upload identity, employment, dependent and bank documents.
- 4
Get covered
Receive your digital health card once HR and Apollo complete the review.
Frequently asked questions
Before you begin your enrolment
Enrolment for the 2026–27 policy year closes on 31 March 2026
Employees who do not enrol within the window will be covered only from the next policy year, subject to HR endorsement.