Features ;
§ One health insurance policy that covers self, spouse, children, parents and parents-in-law
§ Covers hospitalization, surgery and much more
§ Provides benefit payout irrespective of actual medical cost incurred
§ Can be availed along with existing mediclaim policy for the same hospitalization / surgery
§ Cover can be extended to new members of the family in case of marriage and childbirth
§ Quick Cash Facility is available on hospitalization instead of waiting to make a claim for the benefit after discharge
§ Under Quick Cash, 50% advance payment is given by LIC (under 57 surgeries performed in network hospitals)
§ Payout made on the basis of photocopy of bills
§ No Claim Benefit is 5% of initial Hospitalization Cash Benefit (HCB)
What is covered in LIC Jeevan Arogya?
§ Hospitalisation Cash Benefit (HCB)
§ Major Surgical Benefit (MCB) is 100 times the HCB / Accidental Death Benefit (ADB)
§ Day Care Procedure Benefit paid as lump sum
§ Other Surgical Benefits (where all other surgeries are covered) is 2 times HCB / ADB
§ Ambulance charges up to Rs 1000 per insured per year, for major surgeries under category 1 or 2
§ Premium Waiver Benefit
§ Auto increase @ 5% in both HCB and MCB up to 50% even if there is any claim
Hospitalisation Cash Benefit in detail:
- Choose from Rs 1000 to Rs 4000 per day
- Up to Rs 4000 per day for maximum 720 days
- Up to Rs 8000 per day for maximum 360 days in ICU
Daycare procedures (which do not require 24 hr hospitalisation) in detail:
- 5 times Hospitalisation Cash Benefit (HCB) / Accidental Death Benefit (ADB)
- 140 surgeries
- 3 daycare procedures covered in a year, and 24 procedures covered in a lifetime
Waiting period for availing benefits in LIC Jeevan Arogya
- Accidental claims - 0 days
- HCB and MSB - 90 days from policy start date
Example :
If any one at age of 25 Years want to take Health plan with Daily Hospitalization Cost Benefit 1000 Per Day Need to pay only 2,025/- Per Year
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