LIC Health Insurance:

As we know the cost of medical treatment increases day by day, Insurance Company has introduces health insurance to save someone's finance as a result of some injury or illness. LIC is one of them. Life Insurance Company found in 1956, Life insurance Company of India is an Indian state insurance company Headquarter is in Mumbai. It is the very largest company that covers all the cities in the country. Now this company has 8 zonal offices and  113 divisional offices. This company have 2048 fully computerized branch. LIC act, 1956  with a Rs 5 core capital contribution from the government. There are some important fact about the company is here there are 500   network hospitals. The age of a man that wants to be part of this insurance can be the age of 18 to 65 years.  There are 3542 branches of this company for work. It also provides customers a toll-free number 1800-425-9876 to help the customer. LIC has two types of health insurance.

Types of health insurance

1)    LIC Jeevan Arogya        2)  LIC cancer cover

They both have too many benefits for the customers. LIC Jeevan Arogya is a different type of health insurance that is non-participating non-linked health insurance plan that offers cover against different health risks. They both have too many benefits for the customers. LIC Jeevan Arogya        is a different type of health insurance that is  non-participating non-linked health insurance plan that offers cover against different health risks.

LIC(JevonAragua)     

LIC Jeevan Arogya has different features. It provides financial protection for hospitalization surgery etc. increasing health cover every year. It introduces flexible premium payment options. There are different benefits of LIC Jeevan Arogya. The daily benefit amount is chosen by the insured person. It provides surgical benefit. In the case of an accident and some major injury. It helps to the person financially. The cost of the treatment will be given by the company. In the condition of some major surgical, the cost of 1000 for the ambulance is played by the company.

 LIC (Cancer Health) 

                                                  

This is a regular premium health plan that provides financing for the cancer patient during the policy period protection. Early-stage of cancer advantages are payable on very first diagnosis of any of the listed early stage of cancer, given the similar is admissible are-

1)      Lump of few benefits: 25% of the application sum insured shall be payable.

2)        Salary benefit:  salary profit of 1%of this the person that sum insured shall be paid every month of policy for a fixed time of period of the next 10 years, in the case of survival insured and even if this period of 10 years goes beyond the policy term.                                                       

3)      Premium waiver benefit: All of the future premiums will be waived from the next policy anniversary and the cover shall be free  up from all liabilities, either, to the extent of income benefit as mentioned to above.     

Things that is not covered by this plan (Jeevan Arogya)?                                                                                                                                        

   An exclusion that is under the policy are given below:

•      Any pre decides that is not told to the LIC prior at the date of cover commitment /deal.
•       Any type of treatment that is not undertaken by the physician or a surgeon or any kind of surgery that is purely experimental nature.
•       Routine checkup or examination.
•       Medical expanses of any treatment that is not undertaken by a doctor or a surgeon or that type of surgery that is   experimental in nature.
•      Dental treatment of the patient is also not including in this.

    Things that is not covered by this Insurance plan (cancer cover)?

Exclusion that is under this policy are given below:

1)      Tumors histologically described as starting, borderline malignant or low malignant potential

2)      Tumors that occurs in the absence of HIV infection.

3)      Carcinoma in-situ of skin and melanoma in-situ

 

Document  That is  required to buy LIC health insurance:

This document will have to submit all the candidate that wants to be a part of it.

1)      Identity proof: Pan card, AADHAAR card, passport, Driving license, etc.

2)      Address proof: AADHAAR Card, passport, driving license, etc.

 Document that is require for LIC Cancer Cover:

Claim form duly signed with the original policy document.

1)      Hospital summary.

2)      Conform report from the hospital like radiology, histology, and laboratory evidence.

Cashless hospital -5684                                                                                                           plans starting from 150 per month                                                                                         Claim ratio    98%