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 —.
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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. Major Surgical Benefit - If a particular surgery is covered under Major Surgical Benefit, the respective benefit percentage is paid to the patient in case of surgery, accidental injury or illness.
Other Surgical Benefit - In case a conducted surgery is not covered under the policy, a daily benefit which is 2x the applicable daily benefit will be paid to the policyholder for an extended period of 24 hours. Premium Waiver Benefit - In case of an event where Major Surgical Benefits falls under Category 1 or Category 2, your entire annualized premium for one year will be waived off.
LIC offers the flexibility of choosing between two options for paying premium either yearly or half-yearly intervals over the term of the policy:. The general waiting period is 90 days from the date of policy commencement with respect to each insured individual. There will be no waiting period in case of hospitalization or surgery arising out of accidental bodily injury. If you have placed a request for revival, which is received by LIC within 90 ninety days from the due date of the first unpaid premium, there shall be a general waiting period of 45 forty-five days from the Date of Revival in respect of each insured.
If the request for revival is received by LIC post 90 ninety days from the due date of the first unpaid premium, there shall be a general waiting period of 90 ninety days from the Date of Revival in respect of each Insured. The specific waiting period shall be 2 two years from the date of policy cover commencement with respect to each insured individual.
If you have placed a request for revival, which is received by LIC within less than 90 ninety days from the due date of the first unpaid premium, the specific waiting period shall continue to be till 2 two years from the date of cover commencement in respect of each Insured. If the request for revival is received by LIC after 90 ninety days from the due date of the first unpaid premium, there shall be a specific waiting period of 2 two years from the Date of Revival in respect of each Insured.
LIC Jeevan Arogya Plan is a comprehensive health insurance plan which provides financial protection for you and your family. It is an excellent policy for insuring self, spouse, children, parents and parents-in-law. Select the amount of Initial Daily Benefit, which is the daily Hospital Cash Benefit applicable in the first policy year, from the following options, as per your needs:.
This is the amount that LIC will be liable to pay to the insured in case of hospitalization in the first policy year on a per day basis. No, LIC does not have a mediclaim policy. Get Lowest Rates for Health Insurance. Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC. LIC Jeevan Arogya. You can cover yourself and your entire family or extended family - parents, spouse, children and in-laws. All types of daycare surgeries and treatments are covered. Comes with a No Claim Bonus. Facility to track and renew your policy online.
Flexibility in premium payment. You have 30 days grace period if selected annual or semi-annual premium paying modes. Under Major Surgical Benefits, a premium for a year will be waived off under special categories. You are entitled to defined benefits which are not linked to actual expenses. This is a complete comprehensive health insurance plan. Age at Entry Premium 20 Age at Entry Premium 0 Following are the list of exclusions under this plan: Any complications arising out of pre-existing diseases.
Hospitalization due to civil or criminal proceedings, court of law, war. Experimental surgery or treatment. Organ donor expenditure. Dental treatment. Damages arising out of deliberate attempt to injure your body and health. Injury or illness arising out of alcohol, drugs or substance abuse. Injuries arising out of participation in extreme sports such as skydiving, mountaineering, race car driving, etc.
Mental or nervous treatment. Genetic or congenital disorders or birth defects. Injuries arising out of working in hazardous environments such as underground mines, high electric voltage establishments, etc. Injuries arising out of working in chemical or biologically contaminated environments. Injuries arising out of terrorism.
Necessary treatments arising out of failure to act upon sound medical advice. Non Allopathic Treatments. Involvement in criminal or devious activities. Plastic or cosmetic surgery. Facility of a No Claim Bonus. Provides cover for all types of surgeries, including day care treatments.
Online facility for tracking your application and premium purchase or renewal. Income Tax benefits under Sec 80D. Premium Payment Option. LIC offers the flexibility of choosing between two options for paying premium either yearly or half-yearly intervals over the term of the policy: Payment through Cash Counter Premium can be paid at the cash counter of any LIC Branch Office.
Discharge Summary or Certificate issued by the hospital. Prescriptions subscribed by the doctor. All investigative reports. Medico Legal Certificates. Details of Packaged bills with break up. Copy or summary of surgeon's operation notes where surgical intervention is done in case the claimant has undergone a surgery. A death summary in case of death of the patient while under treatment.
Certificate from physician as under clause 19 vi above. Proof of age, if the age is not admitted earlier. Any other document that may be called for in the course of claim evaluation. General Waiting Period The general waiting period is 90 days from the date of policy commencement with respect to each insured individual.
Specific Waiting Period The specific waiting period shall be 2 two years from the date of policy cover commencement with respect to each insured individual. What is Jeevan Arogya? Step 1:Choose the level of health cover you need Select the amount of Initial Daily Benefit, which is the daily Hospital Cash Benefit applicable in the first policy year, from the following options, as per your needs: Rs.
Is there any mediclaim policy in LIC? Does LIC provide health insurance? Customer Reviews. Average Customer Rating:. LIC Jeevan Arogya 3. Write a review Leave a rating. Your name.
Review title. Leave a comment. Daily Hospital Cash. Major Surgical Benefits. Day Care Procedure Benefits. Other Surgical Benefits. Twice the Daily Hospital Cash provided the hospitalization does not exceed 24 hours.
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. So if you had chosen an HCB of Rs.
LIC Jeevan Arogya Plan
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.
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. Step 2: Work out the premium payable along with our representative Your premium will depend on your age, gender, the Health cover option you have chosen, whether you are Principal Insured or other insured life and the mode of payment. Premiums indicated are exclusive of Service Tax Who can be insured?
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