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LIC Jeevan Arogya is a non-linked Health Insurance Policy which helps individuals to cope up with the rising medical costs. In this plan you can cover yourself, spouse, children, parents as well as mother-in-law and father-in-law.
It is a comprehensive health insurance policy for the entire family. Key Features -One health insurance policy that covers self, spouse, children, parents and parents-in-law -Covers hospitalisation, surgery and much more -Provides benefit payout irrespective of actual medical cost incurred -Can be availed along with existing mediclaim policy for the same hospitalisation / surgery -Cover can be extended to new members of the family in case of marriage and childbirth -Quick Cash Facility is available on hospitalisation 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 Hospitalisation Cash Benefit (HCB) Things Covered Under this Policy: -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 Eligibility conditions Criteria Minimum Maximum Age at entry for self/spouse 18 years 65 years Age at entry for children 91 days 17 years Age at entry for parents 18 years 75 years Age at maturity - 80 years Daily hospitalisation benefit Rs.1000 a day excluding ICU 4000 a day excluding ICU Major surgical benefit Rs.1,00,000 Rs.4,00,000 Exclusions Listed below are the exclusions of LIC Jeevan Arogya plan. -Pre existing conditions -Epidemic conditions -Plastic surgery -Cosmetic treatments -Beauty treatments -Attempted suicide -Injuries from self harm -Abuse of drugs -Congenital conditions -Pregnancy conditions -Child birth conditions -Radioactive conditions -Injuries from natural catastrophe -Injuries incurred from participating from dangerous sports.
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Answered By StudyChaCha Member |