LIC Arogya Rakshak Health Insurance Plan

Insurer Highlights

People trust Policybazaar^
7.7 crore
Registered consumers
53
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans from LIC Jeevan Arogya Plan()

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      LIC Arogya Rakshak Health Insurance Plan

      LIC launched Arogya Rakshak benefit-based health insurance plan. The policyholder gets a pre-defined lump sum amount at the time of hospitalization or surgery and a fixed health insurance cover against certain specific diseases. Moreover, it ensures timely medical support to the insured and his family to meet the financial burden during medical emergencies.

      Read More

      What is LIC Arogya Rakshak Plan?

      LIC Arogya Rakshak is a benefit-based non-linked and non-participating health insurance plan unveiled by the Life Insurance Corporation of India. It is not a comprehensive medical insurance policy as it works only against certain specified health risks. However, it is an individual health insurance plan with regular premium payment modes. The policy details and eligibility criteria are mentioned below:

      Eligibility Criteria

      Criteria

      Specifications

      Minimum Entry Age Criteria

      Adults: 18 years

      Children: 91 days

      Maximum Entry Age Criteria

      Adults: 65 years

      Children: 20 years

      Policy Type

      Non-linked, Non-participating health plan

      Coverage Type

      Individual/Family Floater

      Rider Benefits

      New Term Assurance Rider/Accidental Benefit Rider

      Key Features of LIC Arogya Rakshak Health Insurance Plan

      Some of the key features and benefits that the policyholder can avail under the LIC Arogya Rakshak policy are given below:

      • LIC Arogya Rakshak plan offers a flexible benefit limit for the applicant to select from
      • This policy offers coverage against some specific illnesses
      • A pre-defined lump sum amount is paid at the time of claim irrespective of the actual cost
      • The coverage is provided on both individual and family floater policy.
      • LIC Arogya Rakshak plan also provides flexible premium payment options
      • The members you can cover under this policy include your spouse, children, and parents.
      • The entry age for adults is 18-65 years and for children, it ranges from 91 days-20 years
      • The coverage period for principal insurers, spouses, and parents goes up to 80 years, and for children up to 25 years

      Inclusions of LIC Arogya Rakshak Health Insurance Plan

      The inclusions or the coverage benefits under the LIC Arogya Rakshak plan are listed as under:

      • Hospitalization/Surgery Cover-LIC Arogya Rakshak policy pays a Lumpsum amount for expenses incurred during hospitalization and medical surgeries
      • Premium Waiver Benefit-If the insured members need to undergo a surgery falling under Category I / Category II then premium waiver benefit can be availed. It is also available in case of unfortunate death of the policyholder.
      • Ambulance Cover-Even the ambulance expenses required during the treatment are covered under this LIC health plan
      • Auto Sum-up Benefit-To enhance the coverage benefits there is an option to avail of options Auto Sum-up Benefit and No-Claim-Benefit.
      • Rider Benefits-Two rider benefits that you can avail by paying an additional premium include LIC’s Accident Benefit Rider and LIC’s New Term Assurance Rider
      • Tax-saving on the Premium Amount-The premium paid by the policyholder is exempted from tax deduction under Section 80D.

      Exclusions of LIC Arogya Rakshak Health Insurance Plan

      The LIC Arogya Rakshak plan includes the following exclusions for which the claim cannot be filed:

      • Any injury due to war, naval or military operations, participation in riots, etc.
      • Criminal or illegal acts
      • Natural calamities like earthquakes, floods, etc.
      • Self-inflicted injuries or attempted suicide
      • Participation in dangerous sports like racing, scuba diving, bungee jumping
      • Abuse of drugs, alcohol, or intoxicants
      • Congenital conditions
      • Plastic surgery, unless necessary for accidental injury treatment
      • Treatment for STDs like HIV/AIDS is not covered
      • Infertility or sterilization
      • Dental treatment

      For more details regarding this plan and for purchased related queries you can speak to our team at 1800-708-8787 and write to us at care@policybazaar.com

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL