Health Insurance - First of its kind. Launched by the Life Insurance Corporation of India - the symbol of customers' confidence. This plan offers multiple benefits which are in addition to the other health insurance schemes. Wishing a healthy life with Jeevan Arokya !

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10. Hospital Cash Benefit
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24 Ž { ‚” ƒ „ }²t”
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°.1000/2000/
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ICU Žƒ
HCB º: ( y )
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11. Major Surgical Benefit
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Heart ˆ
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stomach,liver, « ƒ 4 y 
brain, lungs
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12. Day Care Procedure Benefit
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13. Other Surgical Benefit
MSB ‚² DCPB yœ ƒ ²
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Hospital Cash
Hospital Cash Benefit
Benefit Ž}
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y „ y „
ICU } = ICU } =
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… „ «¸¢ y  720
y „ ( ƒ 360 y „ ICU
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Major Surgical Major Surgical
Benefit Benefit
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HCB Ž} Ž¾ 
HCB Ž} „¶ œ!
100 u”! 800 u”!
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°1000 y !!

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Day Care
Day Care Procedure Benefit
Procedure Benefit
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DCPB u ~ ž ¢, HCB }
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Other Surgical
Other Surgical Benefit
Benefit z  Other Surgical
« ƒ zž Benefit
zœƒ « ƒ ¾
y  y 
15 y „ 45 y „ t ~ yž
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… ƒ y  360
y „!

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‚ „ Ž „
¢ ¯{¢ ¾ (General Check up)
Routine Medical Check up
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Waiting Period { ¯~© 
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”ž  – 18 « ƒ 55 ¢
(Principal Insured) t” yž ƒ ¢
} Ž(18 -65 ¢), ” | „ (3
 – 17 ¢), ‚  ‚²
Ž Ž} ‚  (75 ¢ )
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¢)  80 ¢

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Underwriting Rules
SUC: | 2 zž ¶t”„ ž{¢„ T901,902,903
y { } … „ MSB Sum Assured yž. (Term
Rider SA ¢)
Age Proof: Standard & NSAP I
Female: All 3 Categories.
i. Housewives can be Principal Insured: Equal to Husband’s MSB SA
or MSB 2 lacs (without Husband’s MSB SA)
ii. Widows with Income Proof MSB 5 lacs; without proof 2 lacs
Major students can be Principal Insured; MSB allowed is equal to
parents health insurance cover or 2 lacs (without parents HI cover)

26. “ } t
Underwriting Rules
SUC Upto 35 36 - 45 46 - 50 51 - 55 >55
Non Non
Upto NM NM NM FMR,FBS,RUA FMR,FBS,
Medical RUA,ECG, Medical
2 lacs S.CREATININE Genl
Special
--------- Upto NM FMR,FBS, FMR, FMR, FBS, FMR,FBS, -------------
RUA FBS,RUA. RUA,ECG, RUA,ECG,
Upto 4 lacs S.CREATININE LIPIDOGRAM, Upto Age
Age 45:
S.CREATININE 35: 5 lakhs
LFTs,HBSAG,
5 lakhs HAEMOGRM, -------------
--------
HBA1. 36 to 50
46 -50 Upto NM FMR, FBS, FMR, FBS, FMR, FBS, FMR, : 2 lakhs
RUA, ECG , RUA,ECG, RUA,ECG, FBS,RUA,ECG,
: 4lakhs 5 lacs S.CREATININ S.CREATININE LIPIDOGRAM LIPIDOGRAM,
S.CREATININE S.CREATININE
LFTs, HBSAG, LFTs,HBSAG,
HAEMOGRM, HAEMOGRM,
HBA1C. HBA1C,CTMT
More FMR, FMR, FBS, FMR, FMR, FMR,
FBS,RUA RUA, ECG, FBS,RUA,ECG, FBS,RUA,ECG, FBS,RUA,ECG,
than ECG, S.CRTN LIPIDOGRAM, LIPIDOGRAM, LIPIDOGRAM,
5 lacs S.CRTN S.CREATININE S.CREATININE S.CREATININE
LFTs, HBSAG, LFTs, HBSAG, LFTs, HBSAG,
HAEMOGRM, HAEMOGRM, HAEMOGRM,
HBA1C, HBA1C, HBA1C,
CTMT CTMT CTMT

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Example 
°1000 HCB ¯ Ž¾ 
z z
¢ Ž¾  ¢ Ž¾ 
20 1884 20 1689
30 2198 30 2004
40 2744 40 2488
50 3693 50 3072
„ Ž¾  ,  ¢
{ ‚” ´{¢ Ž¾ { ž
~ Žyž ¯u „. | Ž¾ { ‚”
z } „ ž{ t { ƒ....
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Illustration ž{¢t yž
Nature of Benefit y 
°.1000 HCB | žt” ¢ « zž z 
(Rs) zž (Rs) 
t” } „ «¸ ¢ (Rs)
Hospital Cash Benefit (HCB) including ICU
Benefit 45,000 1,41,750 16,20,000
Major Surgical Benefit (MSB) 1,00,000 1,05,000 12,00,000
Other Surgeries Benefit (OSB) 30,000 94,500 10,80,000
Day Care Procedure Benefit (DCPB) 15,000 15,750 1,80,000
Maximum Benefit under the policy per
insured 40,80,000
Ambulance Charges incurred Rs.1000/- per insured per year
Premium Waiver Benefit One Year Premium
No Claim Benefit Increase in HCB by 5%

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94431 56829
tsr.iyengar@gmail.com