LICs Jeevan Arogya

Comprehensive Health Plan Principal Insured+Spouse+Dependent Children+Parents+Parents-in-law Coverage up to 80 years; up to 25 years for Dependent Children

Jeevan Arogya (T-903)

Plan NOP Share FP (Cr.) Share No. of Lives

HPP
JA TOTAL

12778
220683 233461

5%
95% 100%

11.94
69.7 81.64

15%
85% 100%

22245
317506 339751

USPs of Jeevan Arogya

Fixed Benefit Plan Claim amount paid directly to the Customer
Health Cover upto age 80 years with Premium @ Age at Entry Affordable Premium rates - Guaranteed for 3 years Quick Cash Facility Term Assurance & Accident Benefit Riders Scope to cover under Non-Medical Scheme

Commission under J. Arogya

Agents & Corporate Agents:
1st Year 2nd & 3rd Years Subsequent Years

25%

7.5%

5%

Bonus Comm: 40% of 1st years

commission is payable in the first year

Income Tax Rebate

Rs. 15000 under Sec-80D; Rs. 20000
if Sr. Citizens Additional Rs. 15000 for Parents; Rs.

20000 if Sr. Citizens

Non-Medical Schemes
NMG Health Protection Plus Standard Age Proof NSAP-1 Jeevan Arogya Standard Age proof & NSAP-1 5 lakhs 2 lakhs

Upto years
36-45 46-50

35
4 lakhs 2 lakhs 1 lakh 3 lakhs 1 lakh 50,000

NMS Upto years 46-50 45

Health Protection Plus Jeevan Arogya 5 lakhs 4 lakhs 5 lakhs 4 lakhs

IT under sec 80D

Ambulance benefit MSB PWB

No claim Bonus HCB

Quick cash benefit

Automatic Escalation Term rider & Acc. Benefit

DCPB

Hospital Cash Benefit (HCB)

Initial Daily Benefit @ Rs. 1000, Rs. 2000, Rs. 3000 & Rs. 4000 24+4 Hours Hospitalization I 24 hrs excluded But paid if Hspzn more than 7 days 90 Days Waiting Period But not for Accidents

Applicable Daily Benefit (ADB)

7000 6000 5000 4000

3000
2000 1000 0 1 2 3 4 5 6 7 8 9 10 11 12
Year --> HCB
ADB

Takes care of Inflation Automatic Escalation Increase by 5% every year Maximum up to 1.5 times -Initial HCB

No Claim Benefit
5% increase in ADB Every 3 years No Upper Limit

Major Surgical Benefit(MSB)

100 TIMES Applicable HCB (ADB) 100% MSB per member/per annum; 800% during Life Time Surgeries:
Cat I 100% Cat-II 60% Cat III 40% Cat IV 20%

Quick Cash Benefit ( QCB)

50% of MSB paid in advance
Eligible for Cat-I & II Surgery in Network Hospitals

Ambulance Benefit
For Category I & II Surgeries Rs. 1000 per person per annum

Day Care Procedure Benefit (DCPB)

140 Surgeries covered 5 Times ADB
3 Times per year 24 times maximum

Other Surgical Benefit (OSB)

2 Times ADB
15 Days in Year-1 45 Days there after 360 Days during Life time

Stay in hospital to exceed 24 hrs

Premium Waiver Benefit

One year premium waived For Cat-I & II Surgeries Surgery for any member

Term Rider & Accident Benefit

Optional For PI & Insured Spouse AB @ Rs.0.50 per 1000
Maximum Benefit ceasing age: 60 years

Review of Premium
Every 3 Years
On Portfolio basis Premium @ age at entry No change due to claim, if preferred

ILLUSTRATION
BENEFIT HOSPITAL CASH BENEFIT MAJOR SURJICAL BENEFIT DAY CARE PROCEDURE BENEFIT OTHER SURJICAL BENEFIT

1ST YEAR (RS)

2 ND YEAR (RS)

MAXIMUM IN POLICY PERIOD (RS)

45,000 1,00,000 15,000 30,000

1,41,750 1,05,000 15,750 94,500

16,20,000 12,00,000

1,80,000

10,80,000
40,80,000

TOTAL MAXIMUM BENEFIT (PER INSURED)

Golden Peacock Award for Jeevan Arogya

What ever be the test, Jeevan Arogya is the Best! Let us leverage Jeevan Arogya Plan Benefits & achieve HI Targets..