Saturday, 9 July 2011

LIC Jeevan Arogya Health Insurance Plan

LIC Jeevan Arogaya is a specified health insurance plan form Life Insurance Corporation of India (LIC of India). It provides health insurance cover irrespective of the expenses paid by the insurer. LIC Jeevan Arogya is a non-linked health insurance plan which protects you from specified health risks, with benefits such as daily hospital cash benefits, major surgical benefits and day care procedure to meet medical emergencies. The plan allows waiver of premium for the subsequent one year, when the insurer suffered by any major illness.

The main features of this policy are (1) The health cover increases year to year, (2) The benefit is lump sum irrespective of the actual cost of medication, (3) No claim benefit or cashless hospitalization and (4) You can cover the entire family.

The Jeevan Arogya policy allows adding the insurer’s spouse, children, parents and parents in law and act as a complete medical solution for the entire family. The following benefits are available under Jeevan Aroaya Policy.

Daily Hospital Cash Benefit (HCB)

You should choose the amount of daily hospital cash benefit as Rs. 1000, Rs. 2000, Rs. 3000 or Rs. 4000 per day. This is the benefit you will get for each day of hospitalization irrespective of your medical bill. The premium payable is also varying as per your choice of daily cash benefit.  This benefit can avail for the hospitalization more than one day for surgical or non surgical case and the chosen amount increases by 5% year after year with an additional  5% no claim bonus every fourth year. The same amount or less may be chosen for co-insured as per your choice when joining. The benefit is available for 30 days in the first year of joining and 90 days every year after first year, but restricted to 720 days for the entire policy period. The special attraction is that the benefit will be doubled for a treatment in ICU but the maximum number of ICU days is restricted to 360 days.

Major Surgical Benefit (MSB)

This is the benefit which can be received when a major surgery (listed surgeries) is take place and the benefit is 100 times of Hospital Cash Benefit including 5% yearly increase and no claim bonus, and the maximum MSB can be availed per year is 100% of MSB per each insured and the maximum lifetime Major Surgical benefit is restricted to 800% of MSB. For Example if the Daily hospital cash benefit is Rs. 2000 the MSB will be 2000x100=200000 every year for any major surgery taken place up to Rs. 1600000 in a lifetime.

Day Care Procedure Benefit (DCPB)

5 times of the daily cash benefit for surgeries which require hospitalization (listed surgeries) is not more than one day and can avail a maximum of 3 such surgical procedures every year subjected to 24 such surgeries in a lifetime for each person insured.

Other Surgical Benefit (OSB)

Other Surgical benefit is 2 times of daily benefit for any other surgeries which are not fall under the above two cases with a maximum annual benefit of 15 days for the first year and 45 days for subsequent years per person insured subjected to the maximum of 360 days in a lifetime.

Minimum and Maximum age (joining & benefit) for Jeevan Arogya Policy

Minimum 18 years and maximum 65 years for husband and wife and 75 years for parents and (parents) in-laws, for minor children, the minimum entry age is 91 days while maximum entry age is 17 years. The benefit of the plan is available for children till the age of 25 years and for others it is 80 years.

Term assurance rider option and Accidental insurance rider options are also available. The initial premium amount is fixed for the first three years and may be varied according to the health condition and age. 50% of the Major Surgical benefit is available as Emergency cash which will be credited to bank account only if the treatment is taken place in listed network hospitals. Premiums can be paid in monthly (ECS), quarterly, half yearly or annually as per other LIC policies.

The benefit for pre existing diseases will be excluded unless disclosed and accepted at the time of joining. Routine checkups, cosmetic treatments, epidemics, dental treatment, non-allopathic treatments, reopening of former surgeries, self-inflicted injury, dangerous sports, war, participation in illegal and criminal activities are also excluded from getting benefit.

The main advantage of this policy is that the treatment can be taken place form multi specialty hospitals or other hospitals and can avail the same monetary benefit. And the main disadvantage is that the cashless treatment is not possible like other medical insurance scheme except 50% emergency cash benefit for major surgeries for the treatment from listed networked hospitals.

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  1. Sir
    I wish to join a health insurance scheme.Hence please send me the details of LIC's JEEVAN AROGYA INSURANCE SHEME including the premium to be paid.I am residing at Thiruvananthapuram.
    Thanking you

  2. sampath venkatesh17 July 2011 at 03:14

    Dilip Sir, u can contact your nearest LIC office or agent to proceed further.

    If you wish i will assist u to buy the policy, please let me know your date of birth and your family members DOB (in need). u can contact me by 09842197421 or

  3. [...] a long period of time according to your requirements, and as per the terms and conditions of the insurance policy and the insurance company to get maximum [...]

  4. Please advice me which is the best health insurance between "Jeevan Arogya" and "IcIcI Lombard Health Insurance"..Thanks

  5. ICICI Lombard Health Insurance and LIC Jeevan Arogya are two different products.

    ICICI Lombard Health Insurance offer cashless treatment which means you should not pay cash for medical bill, if you have treated in any hospital which is in the panel of ICICI Lombard Health Insurance up to your maximum limit and terms & conditions of the policy.

    But for LIC jeevan arogya will give you a fixed amount for each day of your hospitalization. But this will be only after the treatment. Except some surgery advance. But you can get treatment from any hospitals.

    Both insurance policies has its own features. So you have to take the decision to take any one or both.

  6. BALKRISHNA L KOTLA20 November 2011 at 20:57

    please send me the details of LIC’s JEEVAN AROGYA INSURANCE SHEME

  7. [...] many people get nervous at the thought of medical tests prior to purchasing a life insurance policy. If you are clenching your fist at this thought, you must [...]


  9. Dear Mr. Joshi

    Please read all about LIC jeevan arogya from the following link