LIC Jeevan Arogya is a health insurance policy offered by LIC (Life Insurance Corporation of India). It offers various health coverages for the policyholders and their families. In this blog post, we will explore the features, benefits, and coverage of LIC Jeevan Arogya. We will also look at some of the drawbacks of this policy. So, if you are considering buying this policy or are already a policyholder, read on to know more about it.
What is LIC Jeevan Arogya?
LIC Jeevan Arogya is a health insurance policy offered by LIC (Life Insurance Corporation of India). It provides health coverage for the policyholder and their family. The policy covers expenses related to hospitalization, doctor’s fees, surgical expenses, and so on. The policy also offers some additional benefits like cashless hospitalization, personal accident cover, and critical illness cover.
Features and Benefits of LIC Jeevan Arogya Plan
The LIC Jeevan Arogya plan is a health insurance policy that provides coverage for the entire family. The policy provides coverage for hospitalization expenses, day-care procedures, and Pre and Post Hospitalization expenses. The policy also covers pre-existing diseases after a waiting period of 2 years. The policy has a sum assured of Rs. 5 lakhs and can be renewed up to the age of 65 years.
The main features and benefits of the LIC Jeevan Arogya plan are as follows:
1) Coverage for the entire family: The policy provides coverage for the insured, spouse, and dependent children.
2) Coverage for hospitalization expenses: The policy pays for all expenses incurred during hospitalization, including room charges, doctor’s fees, etc.
3) Coverage for day-care procedures: The policy covers expenses incurred for day-care procedures which do not require hospitalization.
4) Coverage for Pre and Post Hospitalization expenses: The policy pays for expenses incurred 30 days before hospitalization and 60 days after discharge from the hospital.
5) Renewability: The policy can be renewed up to the age of 65 years.
6) No medical tests required: No medical tests are required if the proposals are within the age limit of 45 years (age last birthday).
Coverage & Exclusion under LIC Jeevan Arogya Plan
The LIC Jeevan Arogya Plan is a health insurance policy that offers comprehensive coverage for hospitalization expenses. The policy provides for a sum assured of Rs. 5 lakhs, which can be used to cover expenses such as room rent, doctor’s fees, and surgical charges. The policy has a waiting period of 3 years, after which it can be renewed for a further term of 3 years.
The policy provides coverage for expenses incurred in case of hospitalization due to an accident or illness. It also covers pre- and post-hospitalization expenses, and provides for a lump sum benefit in case of death due to any reason. However, the policy does not cover certain exclusions such as dental treatment, cosmetic surgery, experimental treatment, and so on.
LIC Jeevan Arogya vs Other Health Insurance Plans
LIC Jeevan Arogya is a health insurance plan offered by LIC (Life Insurance Corporation of India). It is a comprehensive health insurance plan that covers the policyholder and their family. The main features and benefits of LIC Jeevan Arogya are:
Coverage: LIC Jeevan Arogya provides sum assured of Rs. 5 lakhs for the policyholder and their family. It covers expenses related to hospitalization, surgery, and medical treatment.
Pre-existing Conditions: Pre-existing conditions are covered after a waiting period of 36 months.
Policy Term: The policy term is for 3 years and can be renewed for life.
Premiums: The premiums for LIC Jeevan Arogya are very reasonable and can be paid on a yearly, half-yearly, or quarterly basis. There is no loading on premiums for pre-existing conditions.
How to Buy LIC Jeevan Arogya?
If you are looking to buy LIC Jeevan Arogya, here is a detailed guide on how to do so.
First and foremost, you need to be aware of the various features and benefits that this health insurance policy from LIC offers. Some of the key features include a comprehensive health cover, cashless hospitalization, and pre- and post-hospitalization expenses.
Once you are familiar with the features of LIC Jeevan Arogya, you can start comparing different plans from different insurers. It is important that you compare not just the premium amount but also the coverage and other factors such as waiting period, claim settlement process, etc.
Once you have decided on a particular plan, you can purchase it online or offline. If you are purchasing it offline, then you will need to visit an LIC office and fill up the necessary paperwork. However, if you are purchasing it online, then the process is much simpler and can be done in a few minutes.
Follow these steps and you will be able to buy LIC Jeevan Arogya without any hassle.
Conclusion
LIC Jeevan Arogya is a health insurance policy that offers comprehensive coverage for you and your family. Some of the key features and benefits of this policy include cashless hospitalization, cover for pre and post-hospitalization expenses, day-care procedures, domiciliary treatment, emergency ambulance cover, and more. This policy also offers an extensive list of covered diseases and treatments, making it one of the most comprehensive health insurance policies available. If you are looking for a health insurance policy that offers comprehensive coverage and great value for money, then LIC Jeevan Arogya is definitely worth considering.
