LIC Jeevan Arogya Plan (Table No. 904) Health Insurance Policy its a unique and non participating non linked health plan, provides Health Insurance coverage against certain specified health fact risks and helps to provide timely support in case of any medical emergency will helps you and also your family remain safe financially any times. Under this plan can cover Individual, spouse, children, parents (senior citizens) and as well as mother-in-law and father-in-law. It is a good comprehensive health insurance policy by Life Insurance Corporation of India for the entire family. Health today’s life has been a very major concern on everybody’s mind in day today life, In these days of medical expenses are very high, LIC’s Jeevan Arogya will provides double benefits under these mediclaim policy, medical expenses and can avail tax benefits section 80D.
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LIC Jeevan Arogya Plan (Table No. 904)
Policy Main Specification
- Age at Entry for Self and Spouse Minimum: 18 Years, Maximum: 65 Years
- Age at Entry for Children Minimum: 91 Days, Maximum: 17 Years
- Age at Entry for Parents: 18 Days, Maximum: 75 Years
- Age at Entry Maturity till Health Cover: 80 Years
- Daily Hospital Cash Benefit Minimum: Rupees – 1,000/- for Per day Excluding ICU, Maximum: Rupees – 4,000/- for Per day Excluding ICU
- Major Surgical Benefit Minimum: Rupees – 1,00,000/- , Maximum: Rupees – 4,00,000/-
- Premium (Paying Mode): Yearly and Half-Yearly
Key Features and Benefits of LIC Jeevan Jeevan Arogya Health Insurance Policy
- It like a comprehensive health insurance policy.
- Policy Cover Offered for Self, spouse, children, your parents and parents-in-law.
- Safe and Complete Financial protection for medical expenses.
- Provides benefit of irrespective of the medical costs can claim Normal Health Policy and Also with Jeevan Arogya so policy holder can get double claim benefits.
- (NCB) – No claim benefit available
- Flexible options to choose the benefit limit.
- Health Cover able to be extend for new family members.
- Increasing health benefits and cover year on year.
- Policy revival Option are within 2 years of starting from the date of your (FUP) first unpaid premium.
- HCB – Hospitalization cash benefits can choose a cover of Rupees 1000 – Rupees.4000 per day
- MCB – Major surgical benefit is always 100 times of your choosen Hospital cash benefit
- Following Year Premium waiver benefit for Major Claims
- Tax Benefits: Whatever premium are paid towards LIC’s Jeevan Arogya Plan will be eligible for deduction under Sec. 80D.
Sample Premium and Benefits of LIC’s Jeevan Arogya Health Insurance Policy
The below Tables are giving example annual premium, payable yearly, for all health benefits corresponding to an Initial Daily Benefit of Rupees 1000 per day, for some of the ages in respect of various lives that can be covered under a single policy:
Principal insured (male)
| Age at entry
Spouse (Female) / Parent (Of PI/Spouse) (Female)
| Age at entry
| Age at entry
*Premiums are exclusive of Service Tax
- Any pre-existing disease condition unless is disclosed to and been accepted by LIC of India.
- Either Treatment or Surgery not been performed by a authorized Physician or Surgeon
- Routine Medical check up
- Medical expenses like such as X-Ray or lab examinations
- Any epidemic
- Circumcision, plastic surgery, cosmetic
- Surgery or Hospitalization for donation of organs
- Congenital anomalies or Birth defects or
- Dental treatment
- Nervous break-down, Infertility or Sterilization
- Suicide attempt and or any drugs or alcohol
- Any sexually transmitted diseases, like AIDS, HIV
- Pregnancy and child – birth related treatment
- War, invasion. Naval or military operations
- Any natural peril
- Participation in any hazardous activity or sports, criminal or illegal activities. Radioactive contamination
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