LIC Jeevan Arogya: Table No. 903: UIN – 512N266V01

Jeevan Arogya Special Attractions: LIC Mediclaim

1. An attractive non-linked BENEFIT plan offering Health cover up to age 80 years and life cover and Accidental Benefit up to age 60 years.
2. Single policy for self (Principal Insured-PI) & entire family including parents and Parents in law.
3. Health Benefit for ALL SURGERIES (except specifically excluded)
4. Benefit can be availed along with Mediclaim for same Hospitalization/Surgery, without any link to actual expenses incurred.
5. No claim Benefit, unlimited granted every 3 years.
6. Premium waiver benefit, one premium following Surgery under category I and II

Lic Jeevan Arogya : Applicable Benefits: (LIC Health Insurance / Lic Mediclaim)

• Lic Jeevan Arogya Hospitalization Cash Benefit (HCB) up to 720 days (inclusive of 360 days ICU benefit). Available options Rs 1000, 2000, 3000, 4000, (increase arithmetically@5% p.a. up to 50%). 1st year 30 days. 2nd year and onward 90 days p.a. ICU Benefit @ HCB X 2 (1st year 15 days – 2nd year and onward 45 days p.a.).
• LIC Jeevan Aarogya Major Surgical Benefit (MSB) up to 800 times of HCB for 140 surgeries (100 times p.a.)
• Day Care procedure Benefit (DCPB) (Table no. 903) up to 24 procedures for 140 daycare procedures @ HCB X 5/procedure (3 procedures p.a.)
• Other Surgical Benefits (OSB) for all other surgeries up to 360 days @ HCB X2/day (1st year 15 days – 2nd year and onward 45 days p.a.)
• Quick Cash Facility – Advance of 50% cost of MSB for 50 Surgeries under Network Hospitals
• Ambulance charges – Reimbursement of Rs 1000 for 50 surgeries.

Jeevan Arogya Plan Features (LIC Health Insurance / Lic Mediclaim)

-Eligible Age – PI and Spouse: 18 to 65

-Dependent parents: 18 to 75

-Children: 3 months to 17 years

-Mode of Premium: Yearly, Qtly, Hly, and ECS (Mtly)

-Rebate for Yly and Hly and High HCB

-Automatic increase in HCB by 5% every year up to 50% of the Initial HCB.

-Major Surgical Benefit for 140 listed Surgical Procedures.

>MSB is equal to 100 times of HCB

>Automatic increase in MSB by 5% of Initial MSB every year up to 50% of the initial MSB

>Maximum 8 times of MSB through out policy Term (1 MSB per annum)

>Up to 80 years of age for other than children – For children up to 25 years of age.

-Day care Procedure Benefit for 140 day care procedures. 5 times of applicable Daily Cash Benefits (ADB). 3 times in a year and 24 times in the policy full term.

-Other Surgical Benefit- For any surgery not covered under MSB. 2 times of applicable Daily Cash Benefit – 45 days in a year 360 days in the policy full term (15 days – first year)

-Quick Cash Facility- This is the facility available for all insured, where instant cash can be pad as an advance up to 50% of eligible MSB surgeries of category 1 & 2.

-Ambulance charges – for surgeries eligible for MSB listed under category 1 and 2. Benefit @Rs 1000 per insured per policy year.

-Premium Waiver Benefit – for surgeries eligible for MSB listed under category 1 & 2. One year premium will be waived.

-Term Assurance Rider- Death Benefit MSB is covered under this policy by payment of additional premium.

-Accidental Benefit Rider-Accidental Death Benefit up to initial MSB is available by payment of additional premium.

-No Claim Benefit – If there is no claim from any insured between two Automatic Renewal date (ARD) 5% of IDB will be added to the ADB from nest ARD for all insured.

For mor details, contact our LIC Agent on +91-9850-674-066.

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