LIC Jeevan Arogya

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:

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.

Step 2: Work out the premium payable along with our representative

Your 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.

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)

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 ofvarious lives that can be covered under a single policy:


Age at entry Premium (`)
20 1922.65
30 2242.90
40 2799.70
50 3768.00

SPOUSE (Female) / PARENT (of PI/Spouse) (Female)

Age at entry Premium (`)
20 1393.15
30 1730.65
40 2240.60
50 2849.10


Age at entry Premium (`)
0 792.00
5 794.75
10 812.35
15 870.75

(Premiums indicated are exclusive of Service Tax)

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!

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)


91 days

17 years (lastbirthday)

How long are each insured under this policy?

Each of the insured are covered for Health risks up to age (80). Children are insured up to age 25 years.