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The only Health Insurance plan offered by LIC of India. It not just covers your spouse and children, but also it includes your parents and also your spouse's parents in health insurance. The benefits of this plan can be availed along with Mediclaim and are not calculated on actual expenses basis.

Covers your Extended Family

Cover your extended family and secure them with adequate health cover. While you are covered up to the age of 80, your Parents and Parents in law get this cover till the age of 60.


Claim Benefits along with Mediclaim

No matter whether you are covered with mediclaim or not, this plan offers you to claim the benefits along with mediclaim beenfits. Get the Day care benefits covered under this policy.


Claim Defined Benefits

Regardless of the actual expenses incurred, this policy gives the benefits defined in policy terms and conditions. Also, the ambulance expenses are covered.


Advantages

Tax Free Maturity Amount
Tension Free Claim Settlement

Conditions

                                          
 MinimumMaximum
Self / Spouse18 Years65 Years last birthday
Parents/parents-in -law18 Years75 Years last birthday
Children91 days17 Years Last birthday 


Each of the insured are covered for Health risks up to age 80 Years and children are insured up to age 25 Years.

 

For Hospital Cash Benefit (HCB) (under Basic Plan)

                                                                                        
FeaturePrincipal Insured (PI)Insured Spouse(if any),Insured Parents & Parents-in law(if any)Insured Dependent Children(if any)
Minimum intitial daily benefit (in ward other than intensive care unit)₹ 1,000/-₹ 1,000/-₹ 1,000/-
Maximum initial daily benefit₹ 4,000/-Insured Spouse- Less than or equal to that of PI Insured Parents/ Parents-in-law- Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included parents shall be covered for equal benefits.Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included children shall be covered for equal benefits.
Maximum annual benefit period, applicable to each insured30 days in year 1, 90 days per year thereafter, inclusive of stay in ICU. Maximum number of days in ICU is restricted to 15 days in year 1 and to 45 days thereafter.
Maximum Lifetime benefit period, applicable to each insured720 days inclusive of stay in ICU. Maximum number of days in ICU is restricted to 360 days in respect of each Insured.

    

Initial Hospital Cash Benefit sha;; be in multiples of Rs. 1000/-

 

For Major Surgical Benefit (MSB) (Under Basic Plan)

                                                                                                                                     
FeaturePrincipal Insured (PI)Insured Spouse(if any),Insured Parents & Parents-in law(if any)Insured Dependent Children(if any)
a) Major surgical benefit Sum Assured (MSB SA)100 times of Applicable daily benefit (ADB) of PIInsured Spouse: 100 times of ABD of insured spouse.
Insured Parents/Parents -in -law - 100 times of ADB of each parent
100 times of ADB of each child
b)Maximum annual benefit, applicable to each insured100% of major Surgical Benefit Sum Assured Insured Spouse- Less than or equal to that of PI
Maximum Lifetime benefit, applicable to each insured800% of major surgical Benefit Sum Assured



For Term Assurance Rider Option:

This rider shell be available for PI and Insured Spouse only :

  • Minimum Term Assurance Sum Assured: ₹ 100,000/-
  • Maximum Term Assurance Sum Assured. An amount equal to the Major Surgical Benefit Sum Assured (MSB SA) at the time of inception/ inclusion into the policy.
  • Minimum Entry Age: 18 Years (completed)
  • Maximum Entry Age: 50 Years (Nearest Birthday)
  • Maximum Benefit Ceasing Age: 60 Years (Nearest Birthday)
  • Maximum Term: 35 Years

The Term Assurance Sum Assured shall be in multiples of Rs. 25000/=

 

For Accident Benefit Rider Option:

This rider shall only be available for PI and Insured Spouse provided Term Assurance Rider has been opted for

  • Minimum Accident Benefit Sum Assured: ₹ 25,000/-
  • The Accident Benefit Sum Assured shall be in multiples of ₹ 5,000/-
  • Minimum Entry Age: 18 Years completed
  • Maximum Entry Age: 50 Years (Nearest Birthday)
  • Maximum age of cover: 60 Years (Nearest Birthday)
  • Maximum Term: 35 Years

  

Death Benefit:

No any death benefit is payable on the death of any insured

  

Maturity Benefit:

No any benefits are payable at the end of the cover period

 

Payable on hospitalization:

If PI or any of the Insured lives covered under the policy is hospitalized due to Accidental Bodily Injury or Sickness and the stay in hospital exceeds a continuous period of 24 hours, then for any continuous period of 24 hours or part thereof, provided any such part stay exceeds a continuous period of 4 hours (after having completed the 24 hours as above) in a non=ICU ward/room of a hospital, an amount equal to the Applicable Daily Benefit (ADB) available under the policy during that policy year shall be payable.

Major Surgical Benefit:

In the event of an Insured under this plan, due to medical necessity, undergoing one of the surgeries defined in Major Surgical Benefit Annexure within the cover period in a hospital due to Accidental Bodily Injury or Sickness, the respective benefit percentage of the Major Surgical Benefit Sum Assured as specified against each of the eligible surgeries mentioned in Major Surgical Benefit Annexure shall be paid.