Jeevan Arogya health policy from LIC OF India

Jeevan Arogya health policy: Lic is launched very new health Insurance policy to protect you from unwanted critical health condition. In jeevan Arogya policy you can have Major Surgical Benefit(MSB),Hospital cash benefit (HCB), Day Care Procedure Benefit, Ambulance Benefit,Premium waiver Benefit(PWD)and other Surgical Benefit, here you can choose the premium amount and health benifit plan as well. In this policy health cover will increase every year. In first one year you choose the health benifit from 1000 to 4000 per day. In critical condition the Major Surgical Benifits will be 1 lakh to 4 lakh depends on the daily benifit you choose it would be
100 times on daily benifit.

The minimum age limite for children is 91 days and the maximum is 17 years, minimum age for you or spouse would be 18 years and the maximum is 65 years(last birth day) and for parents of both would be minimum 18 years and the maximum is 75 years(last birth day)

Premiums can be paid in monthly(ECS mode),quarterly,half-yearly and yearly.

Following table will show the basic health policy.

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