AW-957077312
AW-957077312The only Health Insurance plan offered by LIC of India. It not just covers your spouse and children, but also it includes your parents and also your spouse's parents in health insurance. The benefits of this plan can be availed along with Mediclaim and are not calculated on actual expenses basis.
Cover your extended family and secure them with adequate health cover. While you are covered up to the age of 80, your Parents and Parents in law get this cover till the age of 60.
No matter whether you are covered with mediclaim or not, this plan offers you to claim the benefits along with mediclaim beenfits. Get the Day care benefits covered under this policy.
Regardless of the actual expenses incurred, this policy gives the benefits defined in policy terms and conditions. Also, the ambulance expenses are covered.
Minimum | Maximum | |
---|---|---|
Self / Spouse | 18 Years | 65 Years last birthday |
Parents/parents-in -law | 18 Years | 75 Years last birthday |
Children | 91 days | 17 Years Last birthday |
Each of the insured are covered for Health risks up to age 80 Years and children are insured up to age 25 Years.
Feature | Principal Insured (PI) | Insured Spouse(if any),Insured Parents & Parents-in law(if any) | Insured Dependent Children(if any) |
---|---|---|---|
Minimum intitial daily benefit (in ward other than intensive care unit) | ₹ 1,000/- | ₹ 1,000/- | ₹ 1,000/- |
Maximum initial daily benefit | ₹ 4,000/- | Insured Spouse- Less than or equal to that of PI Insured Parents/ Parents-in-law- Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included parents shall be covered for equal benefits. | Less than or equal to that of Insured Spouse (PI, if there is no Insured Spouse). Further, included children shall be covered for equal benefits. |
Maximum annual benefit period, applicable to each insured | 30 days in year 1, 90 days per year thereafter, inclusive of stay in ICU. Maximum number of days in ICU is restricted to 15 days in year 1 and to 45 days thereafter. | ||
Maximum Lifetime benefit period, applicable to each insured | 720 days inclusive of stay in ICU. Maximum number of days in ICU is restricted to 360 days in respect of each Insured. |
Initial Hospital Cash Benefit sha;; be in multiples of Rs. 1000/-
Feature | Principal Insured (PI) | Insured Spouse(if any),Insured Parents & Parents-in law(if any) | Insured Dependent Children(if any) |
---|---|---|---|
a) Major surgical benefit Sum Assured (MSB SA) | 100 times of Applicable daily benefit (ADB) of PI | Insured Spouse: 100 times of ABD of insured spouse. Insured Parents/Parents -in -law - 100 times of ADB of each parent | 100 times of ADB of each child |
b)Maximum annual benefit, applicable to each insured | 100% of major Surgical Benefit Sum Assured Insured Spouse- Less than or equal to that of PI | ||
Maximum Lifetime benefit, applicable to each insured | 800% of major surgical Benefit Sum Assured |
This rider shell be available for PI and Insured Spouse only :
The Term Assurance Sum Assured shall be in multiples of Rs. 25000/=
This rider shall only be available for PI and Insured Spouse provided Term Assurance Rider has been opted for
No any death benefit is payable on the death of any insured
No any benefits are payable at the end of the cover period
Payable on hospitalization:
If PI or any of the Insured lives covered under the policy is hospitalized due to Accidental Bodily Injury or Sickness and the stay in hospital exceeds a continuous period of 24 hours, then for any continuous period of 24 hours or part thereof, provided any such part stay exceeds a continuous period of 4 hours (after having completed the 24 hours as above) in a non=ICU ward/room of a hospital, an amount equal to the Applicable Daily Benefit (ADB) available under the policy during that policy year shall be payable.
Major Surgical Benefit:
In the event of an Insured under this plan, due to medical necessity, undergoing one of the surgeries defined in Major Surgical Benefit Annexure within the cover period in a hospital due to Accidental Bodily Injury or Sickness, the respective benefit percentage of the Major Surgical Benefit Sum Assured as specified against each of the eligible surgeries mentioned in Major Surgical Benefit Annexure shall be paid.