LIC insurance new health Policy Jeevan Arogya

LIC’s Jeevan Arogya offers you
 Flexible premium payment options
Flexible benefit limit to choose from
No claim benefit
Valuable financial protection in case of hospitalization, surgery etc
Increasing Health cover every year
Lump sum benefit irrespective of actual medical costs


Benefits of Jeevan Arogya
Hospital cash benefit (HCB)
Major Surgical Benefit (MSB)
Other Surgical Benefit
Day Care Procedure Benefit


Other Optional benefits(PWB)
Death Benefit:
No death benefit unless TA Rider benefit is opted for
On death of the Principal Insured(PI)
Surviving Insured Spouse will become PI, if already option given at the beginning of contract
If the Insured Spouse had predeceased the PI, Then the other Insured will have the option to take new policy on following conditions
The new policy will be issued without any underwriting if the new policy is bought within 90 days of the termination of the existing policy
The maximum entry age will not apply for the new policy
The outstanding Waiting periods and outstanding period of any Exclusion will however apply under the new policy
Other terms and conditions including premium rates will be as applicable for the new policy
Maturity Benefit: No benefits are payable at the end of the cover period



For Hospital Cash Benefit (HCB) (under Basic Plan)

Feature	Principal Insured (PI)	Insured Spouse (if any) & Insured Parents / Parents-in-law (if any)	Insured Dependent Children (if any)
Minimum Initial Daily Benefit (in a ward other than Intensive Care Unit)	` 1,000/-	` 1,000/-	` 1,000/-
Maximum initial daily amount	` 4,000/-	Insured Spouse- Less than or equal to that of PI Insured Parents /  Parents-in-law- Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included parents / parents-in-law shall be covered for equal benefits.	Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included children shall be covered for equal benefits.
Maximum annual benefit period, applicable to each insured	30 days in year 1, 90 days per year thereafter, inclusive of stay in ICU. Maximum number of days in ICU is restricted to 15 days in year 1 and to 45 days thereafter.
Maximum Lifetime Benefit period, applicable to each insured	720 days inclusive of stay in ICU. Maximum number of days in ICU is restricted to 360 days

Initial Daily Benefit shall be in multiples of ` 1000/-.

ii) For Major Surgical Benefit (MSB) (under Basic Plan)

Feature	Principal Insured (PI)	Insured Spouse (if any) & Insured Parents / parents-in-law (if any)	Insured Dependent Children (if any)
Major Surgical Benefit Sum Assured (MSB SA)	100 times of Applicable Daily Benefit (ADB) of PI (as specified in Para 1A) above).	Insured Spouse- 100 times of ADB of Insured Spouse Insured Parents / parents-in-law- 100 times of ADB of each parent	100 times of ADB of each child
Maximum annual benefit, applicable to each insured	100% of Major  Surgical Benefit Sum Assured
Maximum Lifetime Benefit, applicable to each insured	800% of  Major  Surgical Benefit Sum Assured

iii) For Day Care Procedure Benefit (DCPB) (under Basic Plan)

Feature	Principal Insured (PI)	Insured Spouse (if any) & Insured Parents / parents-in-law (if any)	Insured Dependent Children (if any)
Lump sum benefit payable	5 times of Applicable  Daily Benefit (ADB) of PI	Insured Spouse- 5 times of ADB of Insured Spouse Insured Parents / parents-in-law- 5 times of ADB of each parent	5 times of ADB of each child
Maximum annual benefit, applicable to each insured	3 Surgical Procedures
Maximum Lifetime Benefit, applicable to each insured	24 Surgical Procedures

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