Let us understand each of these benefits in detail. All other benefits are linked to this amount. Hospital Cash Benefit is the cash you get on a daily basis in case any member covered by this plan is hospitalised. You can choose your HCB to be any of the following: Rs. The daily cash benefit is only extended for the hospitalisation period after the first 24 hours in a non-ICU ward or room of the hospital. So if you had chosen an HCB of Rs.
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This plan has been designed with the high medical inflation in mind. This is basically a Health Insurance Plan which covers hospitalization expenses and can be used over and above a regular health insurance plan from any General Insurance company. So, in this plan, one can opt for coverage from Rs to Rs daily hospitalization benefit.
In fact, in this plan you can cover yourself, your spouse, your children, your parents as well as your in laws. Hence it is a comprehensive health insurance policy for the entire family. The plan pays Rs to Rs as chosen at the policy inception for Daily Hospitalization beyond 24 hours and also pays upto times the Hospitalization Benefit for Major Surgeries as listed.
Day Care Procedures are also covered in this plan but paid only as a lump sum amount for the mentioned procedures of Day Care which does not require 24 hours of hospitalization. There is also other Surgical Benefits for which a smaller amount is paid, other than the Major Surgical Benefits mentioned earlier.
This plan has a specific amount for Ambulance and also provides for Premium Waiver Benefit. There is also No Claim Benefit which is available on renewal in case of no claim in the previous year as an increase in Daily Hospitalization Benefit and not a premium discount. TThis plan being a Reimbursement Plan cannot be used for Cashless Hospitalization but can be used to club it with your already existing health insurance plan, if any. Thus, it provides for Daily Hospitalization Benefit of Rs , Rs , Rs or Rs per day as chosen for a minimum hospitalization of 2 days upto days in the entire policy tenure.
This being a comprehensive Health Insurance Policy for the entire family along with rider benefit is actually a dream come true for all who wish to purchase a health insurance policy for themselves and their family. This plan has low premium and high coverage with a range of benefits and considerations available to the policyholder and his family.
LIC Jeevan Arogya (T 904)- All details with premium and benefit calculators
LIC Jeevan Arogya