I want to know that LTA can be taken twice in a block of four years. Suppose I reimbursed my LTA for first two years in a block. Then in this case, do I get the LTA amount for the remaining two years included in my salary?

In case of Family Medical Insurance(if provided by the employer), who will be paying the premium of insurance, the employee or the employer? And in case the employee or dependent is hospitalized for any illness and the hospital bill is say 50,000. Then this will be borne by the employee or employer?
Or is it like that the employee has to pay an annual amount at a time and then the hospital bills will be borne by the employer irrespective of the amount.