LIC JEEVAN AROGYA PLAN NO 904 - A HEALTH INSURANCE POLICY

​​​Buy the best  LIC Medical Insurance and LIC Health Insurance Plan, LIC's Jeevan Arogya Policy, which pays full insured amount for stay of Hospitalization, Intensive Care Unit and Surgeries, irrespective of the actual costs involved in the Hospital. LIC's Jeevan Arogya Policy is available for people with minimum age at entry of 18 years (for self, husband and wife). For dependent children it is available for minimum 3 months of age to 17 years of age. For parents it is available  up to a maximum age of 75 years. This LIC's Jeevan Arogya Policy gives Health & Medical Insurance Cover up to the age of 80 years and for children it gives health and medical insurance cover up to the age of 25 years. Minimum Waiting period 90 days. No waiting period for accident cases.

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LIC HEALTH INSURANCE POLICY | LIC MEDICAL INSURANCE POLICY | LIC's JEEVAN AROGYA POLICY NO 904

FEATURES & BENEFITS OF LIC's jeevan arogya plan 904

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LIC HEALTH INSURANCE - LIC's JEEVAN AROGYA PLAN no 904

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Buy  LIC Health Insurance Plan, LIC Jeevan Arogya in Hyderabad © All Rights Reserved. WhatsApp: +919000759933. Email: makelicpolicy@gmail.com

Medical & Health Life Insurance Plan LIC's Jeevan Arogya Policy

Great Income Tax Benefits and Tax Rebates are avilable on the premiums paid on Health Insurance Plan and Medical Insurance Plan of LIC's Jeevan Arogya, Plan no 904 apart from 1,50,000 income exemption u/s 80C on other life insurance plans and policies.


​      1. Income Tax Benefits u/s 80D.

       The Income Tax benefits available for the premiums paid towards medical & health insurance of Jeevan Arogya policy under Section 80D of IT Act are as under:

  • For Self/Spouse/Dependent Children : ₹25000
  • For Parents, whether Dependent or not : ₹25000
  • Additional Amount for Sr. Citizen : ₹5000
  • If an Individual takes Health & Medical Life Insurance Policy on his life/Spouse/Dependent children and also includes any one of parent as Senior Citizen, he is eligible for an amount of ₹55,000/- for deduction under Sec. 80 (D).
  • If the Individual himself is a Senior Citizen and includes his parents, he is eligible for an exemption of ₹60,000/-.


       2. Income Tax Benefit u/s 10(10D)

  • Death Benefit of Term Insurance and Accidental Death & Disability Benefit Amounts are100 percent Tax exempt.


INCOME TAX BENEFITS & REBATES ON LIC'S HEALTH POLICY JEEVAN AROGYA 904

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Features and Benefits of LIC Health Insurance Policy ie,. LIC's Jeevan Arogya Policy no 904 are.


Hospital Cash Benefit (HCB)

  • 1000 to 4000 ​per day, for general hospitalization and for ICU it would be increased to 2000 to 8000 per day.
  • In the first policy year maximum 30 days HCB is paid, and maximum 15 days ICU would pe paid.
  • From second year onwards, maximum 90 days HCB will be paid and maximum 45 days ICU would be paid.
  • In the entire life span of the policy, ie up to 80 years of age, maximum 720 days of HCB, and 360 days of ICU would be paid.


Major Surgical Benefit (MSB)

  • Major Surgical Benefit is paid for upto 140 surgeries.
  • It is 100 times of Applicable Daily Benefit ( net effect of IDB, Incremental Benefit & No Claim Bonus).


Day Care Procedure Benefit (DCPB)

  • It is 5 times of Applicable Daily Benefit.


Other Surgical Benefit (OSB)

  • ​For any surgery not listed in MSB and DCPB.


Premium Waiver Benefit (PWB)

  • In case of MSB (for Catagery 1 & 2) is allowed.


Ambulance Expenses

  • In case of MSB (for Catagery 1 & 2) Ambulance expenses are also paid.​​


Quick Cash Facility

  • 50% of MSB is paid as Quick Cash Advance for Cateregary 1 & 2 surgerIES when performfed in the listed hospitalS with prior approval of the TPA.


No Claim Benefit

  • The ADB (Applicable Daily Benefit) will also increase by 5% of IDB (initial daily benefit) after every three years without any restriction as No Claim bonus, provided there is no claim in between two periods.


Term Insurance Rider & Accidental Benefit Rider

  • Provision for Term Insurance Rider & Accident Beneift Rider equivalent to 100 times of IDB (Initial Daily Benefit)