LIC Jeevan Arogya Plan

By | February 28, 2018


LIC Jeevan Arogya Plan NO 904

LIC Jeevan Arogya plan is a non-linked Health Insurance Policy which helps individuals to cope up with the rising medical costs. In this plan you can cover yourself, spouse, children, parents as well as mother-in-law and father-in-law. It is a comprehensive health insurance policy for the entire family.

Key Features of LIC Jeevan Arogya-904

  • One health insurance policy that covers self, spouse, children, parents and parents-in-law
  • Covers hospitalization, surgery and much more
  • Provides benefit payout irrespective of actual medical cost incurred
  • Can be availed along with existing mediclaim policy for the same hospitalisation / surgery
  • Cover can be extended to new members of the family in case of marriage and childbirth
  • Quick Cash Facility is available on hospitalization instead of waiting to make a claim for the benefit after discharge
  • Under Quick Cash, 50% advance payment is given by LIC (under 57 surgeries performed in network hospitals)
  • Payout made on the basis of photocopy of bills
  • No Claim Benefit is 5% of initial Hospitalization Cash Benefit (HCB)

What is covered in LIC Jeevan Arogya?

  • Hospitalisation Cash Benefit (HCB)
  • Major Surgical Benefit (MCB) is 100 times the HCB / Accidental Death Benefit (ADB)
  • Day Care Procedure Benefit paid as lump sum
  • Other Surgical Benefits (where all other surgeries are covered) is 2 times HCB / ADB
  • Ambulance charges up to Rs 1000 per insured per year, for major surgeries under category 1 or 2
  • Premium Waiver Benefit
  • Auto increase @ 5% in both HCB and MCB up to 50% even if there is any claim

Hospitalisation Cash benefit in detail:

  • Choose from Rs 1000 to Rs 4000 per day
  • Up to Rs 4000 per day for maximum 720 days
  • Up to Rs 8000 per day for maximum 360 days in ICU

Daycare procedures (which do not require 24 hr hospitalisation) in detail:

  • 5 times Hospitalisation Cash Benefit (HCB) / Accidental Death Benefit (ADB)
  • 140 surgeries
  • 3 daycare procedures covered in a year, and 24 procedures covered in a lifetime

Waiting period for availing benefits in LIC Jeevan Arogya

  • Accidental claims – 0 days
  • HCB and MSB – 90 days from policy start date

Exclusions – What is not covered in LIC Jeevan Arogya Policy?

  • Pre-existing conditions (unless disclosed and accepted by LIC)
  • Routine check-ups and Non-allopathic treatments
  • Epidemic diseases or conditions (classified by Central or State Government)
  • Cosmetic or beauty treatments, circumcision, dental treatments
  • Plastic surgery (unless necessary for treatment of illness or due to an accident and performed within 6 months of the event occurrence)
  • Any treatment arising from insured person’s failure to act on proper medical advice
  • Self-inflicted injuries or attempted suicide
  • Abuse of drugs, alcohol or intoxicants
  • Conditions existing at birth (congenital conditions)
  • Rest cure, general weakness, nervous breakdown or related conditions, infertility or sterilisation
  • Sexually transmitted diseases like HIV / AIDS
  • Pregnancy or child-birth related conditions
  • Any act of war, invasion of foreign enemy, naval or military operations etc
  • Radioactive contamination
  • Criminal or illegal acts
  • Natural catastrophe like earthquake, floods etc
  • Participation in dangerous sports like racing, scuba diving, bungee jumping

Additional Benefits of LIC Jeevan Arogya

  • Term Rider and Accidental Benefit rider available as an option
  • Increasing health cover every year as a No Claim Benefi
  • Eligibility conditions and other restrictions in LIC Jeevan Arogya plan
  • Daily Hospitalisation Benefit Minimum Rs. 1000/day excl ICU & Maximum Rs.4000/day excl ICU
  • Major Surgical Benefit Minimum Rs. 1,00,000 & Maximum Rs.4,00,000
  • Entry Age of Self/Spouse Minimum 18 Years & Maximum 65 Years
  • Entry Age of Children Minimum 91 days & Maximum 17 Years
  • Entry Age of Parents Minimum 18 Years & Maximum 75 Years
  • Age at Maturity 80 Years Maximum
  • Payment modes are Yearly and Half-yearly mode only

LIC Jeevan Arogya Plan Illustration

LIC Jeevan Arogya Plan IllustrationLIC Jeevan Arogya Plan IllustrationLIC Jeevan Arogya Plan IllustrationLIC Jeevan Arogya Plan Illustration

Tax Benefits

This plan offers tax benefits for the premiums as a deduction from the taxable income under section 80D of the Income Tax Act.

Services that I offer

  • New LIC Policy Quotes and Completion
  • Complete guidance
  • Doorstep Premium Collection Service
  • Personalized Policy Recommendations
  • Renewal / Revival of Lapsed Policies
  • Human Life Value Calculation
  • Life Time Services




Office Address:-25,KG,Marg,Jeevan Prakash Building.

LIC of India,Branch Unit-117.

3rd floor,C.P. New Delhi-110001.

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