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🏥 What is LIC Health Plan?
- A health insurance policy offered by LIC to cover medical and hospitalization expenses
- Provides financial support during health emergencies through fixed benefit payouts
- Ideal for managing critical illness costs, surgeries, and hospital stays
✅ Key Features
- Fixed Benefit Plan: Pays a fixed amount for covered medical events, regardless of actual hospital bills
- Covers Major Surgeries & Illnesses: Includes critical illnesses, surgeries, and hospitalization (as per plan terms)
- Flexible Coverage Options: Choose sum insured and policy term as per your needs
- No Claim Benefit: Some plans increase the benefit amount for every claim-free year
- Family Coverage: Can include spouse and children under the same plan
- Tax Benefits: Premiums qualify under Section 80D of the Income Tax Act
💡 Benefits
- Health Protection: Covers high medical costs and offers peace of mind
- Lump Sum Payout: Provides cash benefit during hospitalization or illness — useful when bills exceed expectations
- Affordable Premiums: Cost-effective health cover with long-term benefit
- Hassle-Free Claims: No need to submit actual bills — fixed payouts as per policy terms
📄 Eligibility Criteria (Varies by Plan)
- Entry Age: 18 to 55 years (adult), 3 months to 17 years (children)
- Policy Term: Up to 20 years (depends on the plan)
- Coverage: Sum insured ranges from ₹1 lakh to ₹4 lakhs (varies by plan)
🧾 Popular LIC Health Plans
- LIC Jeevan Arogya: A comprehensive health insurance plan with daily hospital cash, surgical benefits, and major illness cover
- LIC Arogya Rakshak: Fixed benefit health plan for individual and family with enhanced cover and loyalty benefits
