Of course, every health policy from different providers, provide some unique benefits and hence you can weigh the benefits of LIC Arogya against those. It's not that LIC Arogya scores on every account - it's just that it is a decent policy all round.
LIC Jeevan Arogya, is 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
• Provides protection in case you are hospitalised or have a surgery
• Jeevan Arogya also provides 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
You can choose the health cover you need
You can begin by choosing 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:
Rs 1000 per day, Rs 2000 per day, Rs 3000 per day or Rs 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 Rs 1 lakh, Rs 2 lakh, 3 lakh, 4 lakh respectively. Other benefits such as Day Care Procedure Benefit, Other Surgical Benefit and Premium waiver Benefit (PWB) mentioned shall also be payable depending upon the daily Hospital Cash Benefit chosen..