- About Coverfox
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.
From financial protection to increased health cover, lump sum benefit to No Claim Benefit (NCB), flexibility benefit to multiple premium payment options, LIC Jeevan Arogya has it all.
Note: All information regarding LIC Jeevan Arogya Plan has been sourced from the official website of Life Insurance Corporation of India.
Hospital Cash Benefit - This is a daily benefit amount payable in case of an accident or sickness where you have been required to stay in the hospital for a continuous period of 24 hours or part thereof, provided any such part stay exceeds a continuous period of 4 hours (after having completed the 24 hours as above) in a non-ICU ward/room of a hospital.
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.
Ambulance Benefit - Under this plan, you will be provided emergency transportation costs (up to ₹1,000) to cover ambulance expenses whenever a major surgery is not successful.
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.
|Self / Spouse||18 years||65 years (last birthday)|
|Parents / Parents-in-Law||18 years||75 (last birthday)|
|Children||91 days||17 years (last birthday)|
The maximum age of coverage is 80 years for Self/Spouse/Parents/Parents-in-Law and 25 years for children.
LIC Jeevan Arogya Plan Coverage
|Cover Type||Coverage Provided||Coverage Provided - Max|
|Daily Hospital Cash||* ₹1000|₹2000|₹3000|₹4000 |
* A minimum of 24 hours of hospitalization is required
|* 30 days during the 1st years, 90 days per year thereafter |
* 15 days in ICU during the 1st year, 45 days thereafter.
|Major Surgical Benefits||₹1,00,000 to ₹4,00,000||* 100X Daily Hospital Cash |
* Up to 140 surgeries covered
|Day Care Procedure Benefits||5X Daily Hospital Cash||* Thrice per year |
* 24X during the policy tenure
|Other Surgical Benefits||Twice the Daily Hospital Cash (provided the hospitalization does not exceed 24 hours)||* 15 days during 1st year |
* 45 days post 2nd year
The premium is calculated on the basis of age, selected cover, gender, mode of premium payment, principal assured, etc.
You can go through the following table to determine your annual premium. The premiums are exclusive of service tax.
Principal Assured - Male
|Age at Entry||Premium|
Wife/Parent of Wife
|Age at Entry||Premium|
|Age at Entry||Premium|
Following are the list of exclusions under this plan:
The following outstanding features are the reason why you should buy an LIC Jeevan Arogya Plan.
The following documents are a must if you want to make a successful claim under LIC Jeevan Arogya Plan.
In order to make a claim under this policy, a duly filled claim form along with original/attested copy of the following documents need to be submitted. The attestation of the photocopied documents will be accepted if done by the treating Doctor/Hospital or by the TPA or by authorized personnel of the Corporation after verification of the originals:
General Waiting Period
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.
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.
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.