Friendship Day 2021 Health Insurance Plan
Hello Guys, I Wishing You All A Happy Friendship Day 2021. In This Article, I Want To Explain About Health Insurance Plan LIC Arogya Rakshak Table Number 906. This Plan Is Not Like A Mediclaim Health Policy.
In Mediclaim Health Policy, After Completion Of Policy Holder Treatment Hospital Will Take Some Amount For Their Aspects. But In Health Insurance Plan There Is No Charges For Anything.
And Also Some Benefits Are There In This Plan Which Is Auto Step Benefit It Means Policy Of That Plan Nearly 15% Increasing Automatically. Next Premium Waiver Benefit In this Way If Policy Holder Do Surgery From This Option 1 Year Premium Free.
Quick Cash Benefit It Is Only Allow When An Urgent Surgery Treatment On That Time You Will Take 50 Percent Of Amount. Not Only This Auto Health Coverage Option Also There Which Means If Policy Holder Expired Suddenly The Remaining Policy Plan Will Apply For Your Family Members.
LIC Arogya Rakshak
Eligibility :
In This Plan, The Policy Holder Will be Able To Add Their Wife, Childers, And Parents. The Age Of The Holder 18 Years To 60 Years, Minimum Age At Child Entry 91 Days To 20 Years. Policy Coverage For Adults Upto 80 Years And Policy Coverage For Child Upto 25 Years.
Benefits :
Best Life Insurance Policies In India
1. Hospital Cash Benefit - HCB
If Admitted In ICU Two HCB Option Applicable, Daily Benefit Payable.
A Maximum Of 30 Days Of Hospitalization In The First Policy Year From The Date Of Covered.
A Maximum Of 90 Days Of Hospitalization In The Second Policy Year And Subsequent Year.
The Minimum And Maximum Daily HCB Is 2500 And 10,000.
2. Auto Setup Facility - 15% every 3 years
3. Major Surgical Benefit
4. Ambulance Benefit
Paid For MSB Category 1 & 2 Listed Surgeries Of Rs 1000 Per Person per Annum.
Major Surgical Benefit Restoration, After Exhaustion Of MSB In A Year Any Subsequent Major Surgery Will Be Covered Provided It Should Not Be From Same Surgery.
5. Quick Cash Benefit
Eligible for MSB Category 1 & 2 Listed Surgeries And 50% Of Eligible MSB Paid In Advance To Policy Holder's Bank Account. Surgery To Be Performed In Any Of The Network Hospitals Of Servicing TPA.
6. Day Care Procedure Benefit
244 Surgeries, Other Than The 140 Covered Under Major Surgical Benefit. Day Care Procedure Benefit Payable 5 Times ADB In Lumpsum. Insured Member Can Be Availed Maximum 3 Times Per Year. During Life Time, Maximum 30 Times Allowed Per Insured Number. HCB Is Not Payable In Case Of DCPB.
7. Other Surgical Benefit
Payable For Surgeries Not Listed Under Major Surgical Benefit And Day Care Procedure Benefit. Daily Benefit 2.5 Times ADB, Maximum 15 Days In 1st Year Per Insured And Maximum 45 Days Per Insured There After. 450 Days During Life Time For Each Insured, Minimum Stay In Hospital To Exceed 24 Hours.
8. Medical Management Benefit
Diseases Covered
• Dengue
• Malaria
• Pneumonia
• Pulmonary Tuberculosis
• Viral Hepatitis A
A lumpsum Of 2.5 Times Of Applicable Daily Benefit Shall Be Payable And HCB For The Period. Applicable Daily Benefit Rs 10,000 And Hospital Cash Benefit Rs 25,000.
• Maximum Of 2 Times In Each Policy Year
• Lifetime Maximum Limit Of 20 Times
• Not To Be Paid If MSB, OCB Or DCB Are Paid For Same Illness.
9. Extended Hospital Benefit
Insured Hospitalization For More Than 30 Days, A Lumpsum Of 10 Times Payable In Addition To HCB And MSB. Maximum Of 1 Time During Each Policy Year And Maximum Of 10 Times During The Policy Term.
10. Free Health Checkup
Health Checkup Expenses Once In 3 Years Upto A Maximum Of One Half Of Applicable Daily Benefit.
11. Additional Benefit Riders
• LIC Term Insurance Rider
• Accidental Death Benefit Rider
12. Mode Of Premium
In This Plan, You Can Pay Premium Yearly Once Or One Time Per 6 Months. Lastly Here You Have The Grace Period Option Which Means After Completion Of Hospitalization You Will Have Time Extra 30 Days For Premium Payment.
1 Comments
good one
ReplyDelete