LIC Jeevan Arogya Plan
The LIC Jeevan Arogya Plan is a health insurance plan that helps cover medical expenses like hospitalisation and surgeries. It gives fixed daily cash benefits and lump sum payouts during treatment, so you do not have to depend only on your savings.
You can cover your whole family under one policy, and the plan also increases your coverage over time with added benefits. It is designed to give simple and reliable financial support during medical emergencies.
What is the LIC Jeevan Arogya Plan?
The LIC Jeevan Arogya Plan (Plan No. 904) is a non-linked, non-participating health insurance plan that provides financial support in case of hospitalisation, surgeries, and other medical needs. It helps you and your family stay financially secure during medical emergencies.
It offers fixed benefits like daily hospital cash and lump sum payments, and you can cover multiple family members under a single policy.
Key Highlights of LIC Jeevan Arogya Plan
| Feature | Details |
|---|---|
| Plan Type | Non-linked, Non-participating health insurance plan |
| Plan Number | 904 |
| Coverage Type | Fixed benefit (daily cash & lump sum payouts) |
| Initial Daily Benefit Options | Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 per day |
| Major Surgical Benefit | 100 times the Initial Daily Benefit |
| Family Coverage | Covers self, spouse, children, parents, and parents-in-law |
| Premium Payment Mode | Yearly and Half-yearly |
| Increasing Benefit | Daily benefit increases every year up to a limit |
| No Claim Benefit | Available and increases overall benefit |
| Ambulance Benefit | Rs 1,000 for specified surgeries |
| Premium Waiver Benefit | Available for certain major surgeries |
| Major Surgical Benefit | Not available |
| Policy Type | Individual health plan covering multiple members |
Eligibility Criteria for LIC Jeevan Arogya Plan
| Criteria | Details |
|---|---|
| Minimum Age (Adults) | 18 years |
| Maximum Age (Adults) | 65 years (last birthday) |
| Minimum Age (Children) | 91 days |
| Maximum Age (Children) | 17 years (last birthday) |
| Maximum Age for Parents/Parents-in-law | Up to 75 years |
| Coverage Limit Age | Up to 80 years (children covered up to 25 years) |
| Who Can Be Covered | Self, spouse, children, parents, and parents-in-law |
| Policy Type | One policy can cover multiple family members |
| Entry Condition | Parents must be covered together (both or none) |
How Does the LIC Jeevan Arogya Plan Works?
Choose daily benefit Get hospital cash Receive surgery benefits Coverage increases yearly Financial support during emergencies
Choose Daily Benefit
You select an Initial Daily Benefit (Rs 1,000 to Rs 4,000) as per your need. This becomes the base for all benefits.Pay Premium
You pay premiums yearly or half-yearly, based on your choice and coverage selected.Get Hospital Cash Benefit
If hospitalisation is more than 24 hours, you receive a fixed daily cash amount for each day of stay.Receive Surgical Benefits
If surgery is required, you get a lump sum or additional benefits depending on the type of surgery covered.Coverage Increases Over Time
Your daily benefit increases every year, and a no-claim benefit is added if no claims are made.Extra Financial Support
The plan also provides benefits like ambulance cover and premium waiver in certain cases, helping reduce financial burden during treatment.
Benefits of the LIC Jeevan Arogya Plan
Here are some of the benefits of the LIC Jeevan Arogya Plan:
Hospital Cash Benefit
You get a fixed daily cash amount if hospitalisation is more than 24 hours, helping you manage daily expenses during treatment.
Major Surgical Benefit
You receive a lump sum amount for major surgeries, which is up to 100 times the daily benefit chosen.
Day Care Procedure Benefit
For certain treatments that do not require long hospital stays, you get a lump sum benefit equal to 5 times the daily benefit.
Other Surgical Benefit
If the surgery is not listed under major or day care, you still receive a daily benefit for the hospital stay.
Ambulance Benefit
You get a fixed amount of Rs 1,000 for ambulance expenses in specific cases.
Premium Waiver Benefit
In case of certain major surgeries, future premiums are waived, reducing financial burden.
Increasing Health Cover
Your daily benefit increases every year, giving you better coverage over time.
No Claim Benefit
If no claim is made, an additional benefit is added, increasing your overall coverage.
Family Coverage
You can cover your spouse, children, parents, and parents-in-law under one policy.
Who Should Buy the LIC Jeevan Arogya Plan?
Here are some of the names of individuals who should buy the LIC Jeevan Arogya plan:
Why is the LIC Jeevan Arogya Plan Different?
| Basis | LIC Jeevan Arogya Plan | Mediclaim Plan |
|---|---|---|
| Type of Plan | Fixed benefit health plan | Indemnity-based health plan |
| Payout Method | Fixed daily cash + lump sum | Reimburses actual hospital bills |
| Claim Amount | Pre-decided amount | Based on actual expenses |
| Bill Requirement | Not required for full payout | Bills are required for claims |
| Hospitalisation Cover | Daily cash benefit | Full hospital expense cover |
| Surgery Benefit | Fixed lump sum | Covered as per actual cost |
| Flexibility of Usage | Money can be used freely | Only medical expenses covered |
| Coverage Scope | Limited to defined benefits | Covers wider medical expenses |
| Best Use | Extra financial support | Primary health insurance |
| Claim Process | Simple and quick | Can be complex with documents |
How to Buy the LIC Jeevan Arogya Plan?
To buy the LIC Jeevan Arogya Plan, you have to follow the given steps :
Step 1.
Visit the official LIC website.
Step 2.
On the homepage, select "Buy Policies Online" or choose the plan category (such as Endowment or Money Back).
Step 3.
Pick the specific plan you want to purchase.
Step 4.
Click on "Learn More" to access the application page.
Step 5.
Complete the form and upload the required documents.
Step 6.
Submit the form and pay online.
Identity proof such as Aadhaar Card, PAN Card, Passport, etc.Address proof, including Aadhaar, Driving Licence, Voter ID, etc.Age proof (Birth certificate, school certificate, passport, etc.)Recent passport-size photographBank details (cancelled cheque or account details)PAN Card (for KYC and financial transactions)
It is a fixed benefit health plan
The plan gives fixed daily cash and lump sum benefits, not reimbursement of actual hospital bills.
Covers hospitalisation and surgeries
It provides financial support for hospital stays, major surgeries, and day care treatments.
Family can be covered under one policy
You can include spouse, children, parents, and parents-in-law in a single plan.
Benefits increase every year
The health cover grows over time, helping you manage rising medical costs.
No claim benefit is available
If no claim is made, your benefit amount increases further.
Flexible benefit and premium options
You can choose your daily benefit amount and pay premiums yearly or half-yearly.
Works as an additional cover
It can be used along with your existing health insurance for extra financial support.
No maturity or surrender benefit
There is no payout at the end of the policy term and no surrender value.
No loan facility available
You cannot take a loan against this policy.
Simple structure and easy to understand
The plan is straightforward, with pre-defined benefits and easy claim process.
Documents Required for LIC Jeevan Arogya Plan
You need basic KYC documents, age proof, and bank details to buy the plan. This includes:
Things to Know About the LIC Jeevan Arogya Plan
Here are some of the key things to know about the LIC Jeevan Arogra plan:
FAQs
It is a non-linked health insurance plan that gives fixed benefits during hospitalisation and surgeries.
No, it pays fixed cash benefits, not reimbursement of actual expenses.
You can cover yourself, spouse, children, parents, and parents-in-law under one policy.
It is paid when hospitalisation exceeds 24 hours due to illness or accident.
Yes, a waiting period applies except for accidental cases.