### LIC's Jeevan Arogya (A New Health Plan)....

### LIC's Jeevan Arogya (A New Health Plan)....

• Health has been a major concern on everybody’s mind, including yours. In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family.


• As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family.


• So why let any medical emergencies shatter your peace of mind.


• LIC has launched LIC’s Jeevan Arogya, a unique non-linked Health Insurance 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.

#### LIC's Withdrawn Plans are.........

#### LIC's Withdrawn Plans are.........

Jeevan Nischay
Market Plus I
Wealth Plus
Profit Plus
Jeevan Aastha
Money Plus-I
Jeevan Varsha
Child Fortune Plus
Fortune Plus
Jeevan Saathi Plus
Health Plus
Samridhi Plus

### LIC's Jeevan Arogya Plan (Payment of Premiums)...

### LIC's Jeevan Arogya Plan (Payment of Premiums)...

Payment of Premiums:

• You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (ECS mode only) intervals over the term of the 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).


• 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 premiums are guaranteed for 3 years from the date of commencement of policy.


• Thereafter i.e. at the end of every 3 years, the Corporation reserves the right to review the premium to take account of the experience of the portfolio subject to prior approval from IRDA.


• The rates applicable on every Automatic Renewal Date shall be guaranteed for a further period of 3 years i.e. till next Automatic Renewal Date.


• The premium rates in respect of each insured member on renewal will be based on age of that member at the time of inclusion into the policy.


• The total premium to be charged for a policy will be the sum of premiums in respect of each member to be covered in that policy.

### LIC's Jeevan Arogya Plan (Scope)...

### LIC's Jeevan Arogya Plan (Scope)...

Who can be insured under LIC's Jeevan Arogya Plan?

• You (as Principal Insured (PI)),


• your spouse,


• your children,


• your parents and


• parents of your spouse (parents-in-law)

can all be insured under one policy.

### LIC's Jeevan Arogya (Automatic Renewal )....

### LIC's Jeevan Arogya (Automatic Renewal )....

Automatic Renewal Date:

• The installment premium will be guaranteed in respect of each Insured for a period of 3 years from the Date of Commencement of the policy, i.e. for the first 3 years of the policy.


• Thereafter, at the end of every third policy anniversary, the premiums may be reviewed to take into account the Corporation’s experience, subject to prior approval from IRDA.


• These premium due dates, at the end of every third policy anniversary, starting from the date of commencement of policy till the date of cover expiry, on which the installment premiums are reviewable, will be referred as Automatic Renewal Dates in respect of all Insured in the Policy.


• On any Automatic Renewal Date in the future, the installment premium will be based on the age of the Insured at the time of inclusion into the policy and the Corporation’s premium rates then prevailing for this product.

### LIC's Jeevan Arogya (Quick Cash facility)....

### LIC's Jeevan Arogya (Quick Cash facility)....

Quick Cash facility:

• If any of the insured lives undergoes any eligible surgery covered under Category I or II of MSB in any of the listed network hospitals, you, as PI will have an option to avail Quick Cash facility.


• Under this facility, 50% of eligible MSB amount would be made available even during the period of hospitalization of any of the insured lives covered (the surgery may be either planned or emergency due to accident) instead of waiting for making a claim for the benefit after discharge.


• It will be only an advance payment in the event of hospitalization for any MSB defined in the surgeries listed under categories I & II and permissible under the policy conditions of the plan.


• This will be, however, subject to approval from the TPA (Third Party Administrator), and the advance amount will be adjusted from the final settlement of MSB claim amount.


• This facility of advance payment could be availed by submitting your Bank Account details in the prescribed format.


• The amount of advance shall be credited to your bank account directly.

### LIC's Jeevan Arogya (A New Health Plan)....

### LIC's Jeevan Arogya (A New Health Plan)....

• Health has been a major concern on everybody’s mind, including yours. In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family.


• As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family.


• So why let any medical emergencies shatter your peace of mind.


• LIC has launched LIC’s Jeevan Arogya, a unique non-linked Health Insurance 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.
  

LIC’s Jeevan Arogya gives you:

• Valuable financial protection in case of hospitalisation, surgery etc

• Increasing Health cover every year

• Lump sum benefit irrespective of actual medical costs

• No claim benefit

• Flexible benefit limit to choose from

• Flexible premium payment options

Very easy to choose your plan

• Step 1: Choose the level of Health cover you need.


• Step 2: Work out the premium payable along with our Representative.

## LIC’s Jeevan Arogya (Specific waiting period).....

## LIC’s Jeevan Arogya (Specific waiting period).....

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:

i. Treatment for adenoid or tonsillar disorders
ii. Treatment for anal fistula or anal fissure
iii. Treatment for benign enlargement of prostate gland
iv. Treatment for benign uterine disorders like fibroids, uterine prolapse, dysfunctional uterine bleeding etc
v. Treatment for Cataract
vi. Treatment for Gall stones
vii. Treatment for slip disc
viii. Treatment for Pilesix. Treatment for benign thyroid disordersx. Treatment for Herniaxi. Treatment for hydrocele
xii. Treatment for degenerative joint conditions
xiii. Treatment for sinus disorders
xiv. Treatment for kidney or urinary tract stones
xv. Treatment for varicose veins
xvi. Treatment for Carpal tunnel syndrome
xvii. Treatment for benign breast disorders e.g. fibroadenoma, fibrocystic disease etc

The specific waiting period in respect of the treatments specified in the list above shall be as follows:
i. The specific waiting period shall be 2 (two) years from the Date of Cover Commencement in respect of each Insured.

ii. If the policy is revived after discontinuance of the Cover then the following shall apply in respect of each Insured:

a) If the request for revival is received by the Corporation within less than 90 (ninety) days from the due date of the first unpaid premium, then the specific waiting period shall continue to be till 2 (two) years from the Date of Cover Commencement in respect of each Insured.

b) If the request for revival is received by the Corporation beyond 90 (ninety) days from the due date of the first unpaid premium, then there shall be a specific waiting period of 2 (two) years from the Date of Revival in respect of each Insured.

No charges for this benefit shall be deducted after the benefit ceases.

## LIC’s Jeevan Arogya.....

## LIC’s Jeevan Arogya....

How long are each insured under this policy?

• Each of the insured are covered for Health risks up to age (80Years).


• Children are insured up to age 25 years.

### LIC’s Jeevan Arogya ( Age limits ) .........

### LIC’s Jeevan Arogya (Age limits) .........

The minimum and maximum age at entry is as under:

-----------------------------------Minimum age at entry---Maximum age at entry
Self / spouse---------------------18 years------------------65 years (last birthday)
Parents/parents-in-law----------18 years------------------75 (last birthday)
Children--------------------------91 days------------------17 years (last birthday)

## LIC’s Jeevan Arogya (Benefits)....

## LIC’s Jeevan Arogya (Benefits)....

Benefits offered under the plan are:

• Hospital cash benefit (HCB)
• Major Surgical Benefit (MSB)
• Day Care Procedure Benefit
• Other Surgical Benefit
• Ambulance Benefit
• Premium waiver Benefit (PWB)

# LIC’s Jeevan Arogya (Who can be insured)....

### LIC’s Jeevan Arogya....

Who can be insured?

• You (as Principal Insured (PI)), your spouse, your children, your parents and parents of your spouse can all be insured under one policy.


• Quite a relief isn’t it, to have all insured under one policy!

### LIC’s Jeevan Arogya _PRINCIPAL INSURED (Male)…..

### LIC’s Jeevan Arogya _PRINCIPAL INSURED (Male)…..

Age at entry --- Premium*

20 years--------Rs.1922.65

30---------------2242.90

40--------------2799.70

50--------------3768.00

## LIC’s Jeevan Arogya ( Step 2 )…..

## LIC’s Jeevan Arogya ( Step 2 )…..

Step 2:

• Work out the premium payable along with our representativeYour premium will depend on your age, gender, the Health cover option you have chosen, whether you are Principal Insured or other insured life and the mode of payment.


• Tables below give an indicative annual premium, payable yearly, for all health benefits corresponding to an Initial Daily Benefit of ` 1000 per day, for some of the ages in respect of various lives that can be covered under a single policy:

### LIC’s Jeevan Arogya ( Step 1 )…..

### LIC’s Jeevan Arogya ( Step 1 )…..

Step 1: Choose the level of Health cover you need:

• You can choose the amount of Initial Daily Benefit (i.e. the daily Hospital Cash Benefit applicable in the first year of the policy) as per your need from out of the following choices:` 1000 per day ` 2000 per day ` 3000 per day ` 4000 per day


• This is the amount that will be payable to you in the event of hospitalisation in the first year on a per day basis.


• The Major Surgical Benefit that you will be covered for will be 100 times the Initial Daily Benefit you have chosen.


• Thus the initial Major Surgical Benefit Sum Assured will be 1 lakh, 2 lakh, 3 lakh, 4 lakh respectively.


• Other benefits such as Day Care Procedure Benefit, Other Surgical Benefit and Premium waiver Benefit (PWB) mentioned below shall also be payable depending upon the daily Hospital Cash Benefit chosen.

### LIC’s Jeevan Arogya.....

### LIC’s Jeevan Arogya.....

• Very easy to choose your plan


• Step 1 Choose the level of Health cover you need


• Step 2 Work out the premium payable along with our Representative


• For more info. Call:9849212164.

### LIC’s Jeevan Arogya …..

### LIC’s Jeevan Arogya …..

LIC’s Jeevan Arogya gives you:

• Valuable financial protection in case of hospitalisation, surgery etc•


• Increasing Health cover every year


• Lump sum benefit irrespective of actual medical costs


• No claim benefit


• Flexible benefit limit to choose from


• Flexible premium payment options

### LIC’s Jeevan Arogya ( A New Health Plan )…..

### LIC’s Jeevan Arogya ( A New Health Plan )…..

• Health has been a major concern on everybody’s mind, including yours.


• In these days of skyrocketing medical expenses, when a family member is ill, it is a traumatic time for the rest of the family.


• As a caring person, you do not want to let any unfortunate incident to affect your plans for you and your family.


• So why let any medical emergencies shatter your peace of mind.


• LIC has launched LIC’s Jeevan Arogya, a unique non-linked Health Insurance 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.