LIC's Jeevan Arogya is a unique non-participating non-linked plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times. In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family. As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family. So why let any medical emergencies shatter your peace of mind. This is the amount that will be payable to you in the event of hospitalisation in the first year on a per day basis.
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DOB should not be less than 18 years. Over the years since inception, the LIC has surpassed several landmarks and set phenomenal performance records in various domains of life and health insurance, with very competitive costs. The company ensures that all funds are invested, keeping in mind the best interests of investors, so they earn handsome returns.
Outlined below are the succulent health insurance plans of the LIC. With healthcare costs shooting up significantly over the last decade even for minor ailments, it is all the more important you seriously start considering a recourse should your finances become unstable as you grow older.
Providing robust monetary security to the insured in cases of Hospitalization, Surgeries including major ones and even Day Care procedures at the hospital, The LIC Jeevan Arogya is a non-linked non-participating health insurance plan our company offers.
All of the below mentioned can be covered under a single Jeevan Arogya Policy of our company. PAll you need to do is to choose the level of health cover, which essentially means selecting the amount of the Initial Daily Benefit according to your requirement from rupees per day, rupees per day, rupees per day and rupees per day. This would be the sum payable to you per day in case of hospitalization during the first year of policy coverage. Consequently, the Major Surgical Benefits Sum Assured during the first year of policy cover would be rupees ,, rupees ,, rupees , and rupees , respectively depending upon the Initial Daily Benefit amount chosen.
It has defined benefits: As benefits are pre-defined, so they are not linked to actual expenses. Substantial claim in a medical emergency, which is double the Daily Hospital Cash when the insured is admitted to the ICU.
The premium for a year gets waived off under special categories falling under the Major Surgical Benefits. The entire family, including the extended family to an extent can be covered just under one health policy. Such as your parents, spouse, child and in-laws. An additional Critical Rider Illness Benefit is also offered in this policy along with Critical Illnesses being covered. You get the convenience to track your applications online besides being able to buy and renewing the policy online.
You get to enjoy Income Tax benefits for premiums paid up to rupees for normal residents and rupees for Senior Citizens as these are permissible for deduction from your taxable income every year under Section 80D of the Act.
You have the flexibility of claiming under the policy by filing a Cashless Claim or a Reimbursement Claim. The Cashless claims can be filed for both planned and emergency hospitalization, with the only criterion being that the hospital where the insured is admitted should be empanelled with the Third Party Administrator TPA which assists the insured and processes claims for our company.
Hospital Cash Benefit: In cases of hospitalization due to accidental injury or sickness for a period not less than 24 hours, and where such a stay stretches for more than 4 hours in a non-ICU ward or room, our company would be paying an amount equal to the applicable Daily Benefit. Major Surgical Benefit: In the event of the insured having to undergo a surgery owing to accidental injury or illness then the respective benefit percentage would be paid as long as the surgery is covered under the policy.
Other Surgical Benefit: Should a surgery be performed upon the policyholder that is not covered under the policy, then a daily benefit amounting to double the applicable Daily Benefit would be paid out for each extended period of 24 hours. Ambulance Benefit: Wherever Major Surgical Benefits are not successful, our company would provide emergency transportation costs of the ambulance, an amount of rupees Premium Waiver Benefit: Under any of such events where the Major Surgical Benefits are not successful, the company would be waiving off the total annualized premium of one year.
Proper safe-keeping and storage of the following documents would ensure you get a smooth claims processing. Participation in dangerous sports such as bungee-jumping, martial arts, skydiving, paragliding, mountaineering, hunting, scuba diving, driving races, etc.
Injuries and hospitalization due to chemical and biological contamination, terrorism, or owing to exposure to hazards such as working in high electricity voltage establishments, underground mines or explosion-prone areas. TollFree No. LIC Jeevan Arogya. Get Quotes From Top Insurers. Cover For. B eldest member. YYYY Phone No. LIC Arogya Jeevan - Outstanding Features You get considerable financial coverage in cases of hospitalization and surgery You get huge benefit regardless of actual medical costs Your health cover expands every year You can opt for flexible benefit limit You get to choose flexible premium payment modes You can avail no claim benefit Eligibility Criterion for Enrolling Under the Policy All of the below mentioned can be covered under a single Jeevan Arogya Policy of our company.
Last updated on Rupees or Rupees or Rupees or Rupees , with minimum of 24 hours of hospitalization required.
LIC Jeevan Arogya
Let us understand each of these benefits in detail. All other benefits are linked to this amount. Hospital Cash Benefit is the cash you get on a daily basis in case any member covered by this plan is hospitalised. You can choose your HCB to be any of the following:. You are eligible to receive the HCB if you have been admitted to the hospital for 24 hours. The daily cash benefit is only extended for the hospitalisation period after the first 24 hours in a non-ICU ward or room of the hospital.
LIC Jeevan Arogya Plan
This is a comprehensive non-participating, non-linked health insurance plan offered by Life Insurance Corporation of India. Rising cost of healthcare is a primary concern among individuals, and so, to cater to this, LIC Jeevan Arogya provides financial protection to you and your family in case of medical emergencies. Day Care Procedure Benefit - This is a lump sum amount 5x of the Daily Benefit payable to the patient irrespective of the actual cost. This is provided in order to meet expenses arising out of any day care procedures.
Medical emergencies might strike any time and when they do they incur considerable expenses. Meeting these expenses proves difficult for average middle-class individuals and so they look for health insurance coverage. This LIC mediclaim policy is a fixed benefit policy which pays a lump sum benefit if the covered expenses incurred irrespective of the actual expenses that you face. Thus, you get a lump sum financial assistance from the policy which you can use for meeting medical or any other financial needs. Besides the coverage features offered by LIC mediclaim policy, here are other benefits which the plan offers —. The premiums paid for the plan are allowed as a deduction under Section 80D of the Income Tax Act,