• One health insurance policy that covers self, spouse, children, parents, and parents-in-law
• Covers hospitalization, surgery, and much more
• Provides benefit payout irrespective of the actual medical cost incurred
• Can be availed along with existing mediclaim policy for the same hospitalization/surgery
• Cover can be extended to new members of the family in case of marriage and childbirth
• Quick Cash Facility is available on hospitalization instead of waiting to make a claim for the benefit after discharge
• Under Quick Cash, 50% advance payment is given by LIC (under 57 surgeries performed in-network hospitals)
• Payouts made on the basis of photocopies of bills
• No Claim Benefit is 5% of the initial Hospitalisation Cash Benefit (HCB)

• Hospitalization Cash Benefit (HCB)
• Major Surgical Benefit (MCB) is 100 times the HCB / Accidental Death Benefit (ADB)
• Day Care Procedure Benefit paid as a lump sum
• Other Surgical Benefits (where all other surgeries are covered) is 2 times HCB / ADB
• Ambulance charges up to Rs 1000 per insured per year, for major surgeries under category 1 or 2
• Premium Waiver Benefit
• Auto increase @ 5% in both HCB and MCB up to 50% even if there is any claim

• Choose from Rs 1000 to Rs 4000 per day
• Up to Rs 4000 per day, for a maximum of 720 days
• Up to Rs 8000 per day for a maximum of 360 days in the ICU

• 5 times Hospitalisation Cash Benefit (HCB) / Accidental Death Benefit (ADB)
• 140 surgeries
• 3 daycare procedures are covered in a year, and 24 procedures covered in a lifetime

• Accidental claims – 0 days
• HCB and MSB – 90 days from the policy start date

• Term Rider and Accidental Benefit rider available as an option
• Increasing health coverage every year as a No Claim Benefit

• Daily Hospitalisation Benefit Minimum Rs. 1000/day excl ICU & Maximum Rs.4000/day excl ICU
• Major Surgical Benefit Minimum Rs. 1,00,000 & Maximum Rs.4,00,000
• Entry Age of Self/Spouse, Minimum 18 Years & Maximum 65 Years
• Entry Age of Children Minimum 91 days & Maximum 17 Years
• Entry Age of Parents, Minimum 18 Years & Maximum 75 Years
• Age at Maturity, 80 Years Maximum
• Payment modes are Yearly, Half-yearly, Quarterly or Monthly (ECS mode only)

• Pre-existing conditions (unless disclosed and accepted by LIC)
• Routine check-ups and Non-allopathic treatments
• Epidemic diseases or conditions (classified by Central or State Government)
• Cosmetic or beauty treatments, circumcision, dental treatments
• Plastic surgery (unless necessary for the treatment of illness or due to an accident and performed within 6 months of the event occurrence)
• Any treatment arising from an insured person’s failure to act on proper medical advice
• Self-inflicted injuries or attempted suicide
• Abuse of drugs, alcohol or intoxicants
• Conditions existing at birth (congenital conditions)
• Rest cure, general weakness, nervous breakdown or related conditions, infertility or sterilization
• Sexually transmitted diseases like HIV / AIDS
• Pregnancy or child-birth-related conditions
• Any act of war, invasion of foreign enemy, naval or military operations etc
• Radioactive contamination
• Criminal or illegal acts
• Natural catastrophes like earthquakes, floods etc.,
• Participation in dangerous sports like racing, scuba diving, bungee jumping

For more information, visit LIC India’s official website