Jeevan arogya 1. Jeevan Arogya Plan No: ; 2. Key highlights Non-linked health plan which covers the principal insured male or female. Lic Jeevan Arogya is a distinctive plan which offers the health insurance cover facing certain health risks and in the case of any medical emergency at that.
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You can choose your HCB to be any of the following: Maximum lifetime benefit that can be availed for each of the persons covered in the plan – days. Maximum lifetime benefit that can be availed for each of the persons covered in the plan – 24 Surgical Procedures.
In case of unfortunate death due to an accident, an amount equal to Accident Benefit Sum Assured shall be payable.
In addition, in respect of each Insured, no benefits are available hereunder and no payment will be made by the Corporation for any claim under this Policy on account of Hospitalization or Surgery directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following during the specific waiting period: You can choose your HCB to be any of the following:.
Initial Daily HCB is the cash amount available for a day, if any of the insured member gets admitted in a registered hospital in the first year of the policy. Treatment for benign uterine disorders like fibroids, uterine prolapse, dysfunctional uterine bleeding etc.
Maximum number of days in ICU is restricted to 15 days in year 1 and to 45 days thereafter. 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. How long are each insured under this policy? Similarly for a block of 3 years premiums will not be revised on renewals also.
Fact shall not be considered material unless it has a direct bearing on the risk undertaken by the insurer. For members included subsequently under the policy, the benefit in the first year shall be equal to Initial Daily Benefit amount and thereafter the Applicable Daily Benefit shall increase as above. No benefits are available hereunder and no payment will be made by the Corporation for any claim under this policy on account of hospitalization or surgery directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:.
Lic Jeevan Arogya
You can download an excel software to create a presentation similar to the one shown above from here. Jeevaan annual benefit that can be availed for each of the persons covered in the plan – 30 days in year 1, 90 days per year thereafter, inclusive of stay in ICU.
Conditions apply for which please refer to the Policy document or contact our nearest Branch Office.
Treatment for Cataract vi. In the event of an Insured under this plan, due to medical necessity, undergoing one of the surgeries defined in Major Surgical Benefit Annexure, within the cover period in a hospital due to Accidental Bodily Injury or Sickness, the respective benefit percentage of the Major Surgical Benefit Sum Assured, as specified against each of the eligible surgeries mentioned in Major Surgical Benefit Annexure, shall be paid subject to benefit limits and conditions mentioned in Para 11B and exclusions mentioned in Para 15 below.
The policy shall terminate at the earliest of the following: It does not matter what the actual cost of the jrevan treatment is. The total number of days of Hospitalization for jesvan the Other Surgical Benefit is payable during the Cover Period, in respect of each and every Insured covered under the Policy shall not exceed a maximum limit of three hundred and sixty days.
If you have any comments or doubts, you can use the comment section given below. On exhausting all the lifetime maximum Benefit Limits as specified in Para 11 above; iii.
LIC Jeevan Arogya (T 904)- All details with premium and benefit calculators
Fraud means any of the following acts committed by insured or by his agent, with the intent to deceive the insurer or to induce the insurer to issue a life insurance policy:. The premium in respect of each individual will be payable from the date of entry into the policy till the date of exit from the policy and will depend on the age of the insured member, the level of Hospital Cash Benefit HCB chosen, whether the insured member is Principal Insured or any other Insured life in case of cover for more than one member in a policy.
Plan Features LIC’s Arogga Arogya is a unique non-participating non-linked plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times. Convalescence, general debility, nervous or other breakdown, rest cure, congenital diseases or defect or anomaly, sterilisation or infertility diagnosis and treatmentany sanatoriums, spa or rest cures or long term care or hospitalization undertaken as a preventive or recuperative measure.
Now you will get the following payouts in case of a Major Surgery. In addition, in respect of each Insured, no benefits are available hereunder and no payment will be made by the Corporation for any claim under this Policy on account of Hospitalization or Surgery directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following during the specific waiting period:.
A If policy is issued on single life: Children are insured up to age 25 years. The level of premium for Principal Insured and the other insured members shall be different for the same age and same level of cover.
The Other Surgical Benefit will be payable only after the Corporation is satisfied on the basis of medical evidence that the specified Surgical Procedure covered under the policy has been performed. Maximum Amount allowed for a single surgery is times of applicable HCB of that particular year. If more than one Surgical Procedure is performed on the Insured, through the same incision or by making different incisions, during the same surgical session, the Corporation shall only pay for one Surgical Procedure.
Any Pre-existing Condition unless disclosed to and accepted by the Corporation prior to the Date of Cover Commencement or the Date of Revival if the Policy is revived after discontinuance of the Cover.
Our Products Motor Insurance. The Principal Insured may need to provide satisfactory evidence of good health in respect of each Insured as required by the Corporation, at his own expense.
Waiting periods and Exclusions, as described in Para 14 and 15 respectively, will apply on revival. The amount in lieu of ambulance expenses shall be payable only once in respect of each Insured in any Policy Year and is subject to providing satisfactory evidence to the Corporation. On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from. War, invasion, act of foreign enemy, hostilities whether war be declared or notcivil war, rebellion, revolution, insurrection military or usurped power of civil commotion or loot or pillage in connection herewith.
If the age of legally adopted child on the date of adoption is more than 3 months, the child can be covered from policy anniversary coinciding with or next following the date of adoption.