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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.
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.
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.
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.
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.
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.
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.
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
LIC Jeevan Arogya Premium Calculator
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.
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
Payment through Alternative Channels
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
Specific Waiting Period
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.
NO, LIC Jeevan Arogya offers a lump sum benefit which is not related to the actual cost of medicines.
No, LIC does not have a mediclaim policy. You can complement your existing mediclaim policy with LIC Jeevan Arogya plan.
To file a claim in LIC Jeevan Arogya plan, the Insured or the Insured’s spouse or nominee should put in a written request to LIC informing them of their liability. Important points to be followed are;
Once the claim is reviewed and approved, the amount shall be transferred to the claimant as a lumpsum payment.
LIC’s Jeevan Arogya Policy is a health Insurance policy offered by Life Insurance Corporation of India. It provides coverage for hospitalisation expenses, including medical, surgical, and diagnostic procedures. It also covers pre and post-hospitalization expenses. The importance of the Policy lies in the fact that it helps policyholders financially during times of medical emergencies and hospitalisation. Medical expenses in India can be very high, especially if you need to be hospitalised for a long period of time. Jeevan Arogya can help you cover these expenses and reduce the burden on your finances. In addition, Jeevan Arogya's policy also provides the following benefits.
The premium of the LIC Jeevan Arogya Policy is dependent on a number of factors and will have to be carefully calculated using the help of a LIC representative, partner or agent. The factors on which the premium is dependent are as below.
LIC Jeevan Arogya Policy provides coverage for hospitalisation expenses at any Hospital or Nursing Home that is recognised by the Ministry of Health and Family Welfare. The Quick Cash Facility under the policy is provided through LIC Network hospitals. The list of network hospitals is available on the LIC website and alternatively will be available at their branch centres or through their agents and partners. The list is also shared with the insured along with the policy document.
LIC’s Jeevan Arogya policy covers a wide range of illnesses and medical procedures. Some of the diseases covered under the policy are:
The complete list of the diseases along with the associated terms and exclusions, is available on the LIC website. You can also refer to the policy document.
No, LIC provides a lumpsum amount under a Quick Cash facility to the insured under the Jeevan Arogya Policy. If the insured undergoes any eligible major surgery at any of the LIC’s listed network hospitals, (s)he can avail of the Quick Cash Facility. Under the facility, LIC provides up to 50% of the Major Surgical Benefit amount as advance to the Insured even during hospitalisation. The facility can be availed for planned or emergency procedures. The disbursal of the advance amount is subject to approval by the TPA or the LIC representative. The amount disbursed ensures that the insured does not face any financial issues during his / her hospitalisation. The amount is later adjusted from the final claim amount.
The LIC Jeevan Arogya Policy covers 140 Major Surgical procedures apart from smaller surgical procedures. A few of the major surgical procedures covered in the policy are:
The complete list of the Surgical Procedures, along with the associated terms and exclusions, is available on the LIC website. The list also forms part of the Policy document.
The major benefits under the LIC Jeevan Arogya Policy are as below
LIC Jeevan Arogya's plan covers more than 100 daycare procedures. You can find a detailed list in your policy documents. Here are some examples of the daycare procedures covered under the plan.