A Non-Linked, Non-par, Individual, Health Insurance Plan
LIC’s Arogya Rakshak is a unique Non-participating, Non-linked plan which provides Health Insurance Cover
against certain specified Health Risks and provides you with timely support in case of medical Emergency and
helps your family remain financially independent in difficult times.

ELIGIBILITY

Minimum Age at Entry
Self/Spouse/Parents
insured Children
18 years LBD
91 days Completed
Minimum Age at Entry
Self/Spouse/Parents
insured Children
65 years LBD
20 years
Cover ceasing Age
Self/Spouse/Parents
insured Children
80 years LBD
25 years LBD
тАв Valuable financial protection in case of Hospitalization, Surgery etc.
тАв Increasing health cover of 15% once in every three years up to 50% of IDB.
тАв No Claim Benefit of 5% once in every three years in case of no claim
тАв Lump sum benefit irrespective of actual medical costs.

FEATURES

HOSPITAL CASH
BENEFIT (HCB)
Payable per day on Admission to hospital-
Rs. 2500 to. 10000 ICU-Double the HCB,
APPLICABLE DAILY BENEFIT (ADB)
1st year – 30 days
2nd year onwards-90
days per year
life time-900 days
Major Surgical Benefit
(MSB)
100 times of ADB can be claimed in case of specified 263 surgeries
Ambulance Benefit of Rs. 1000+ HCB for no. of days stayed. Partial
cashless facility available for category 182 surgeries under MSB.
Premium waiver for one year post surgery allowed under Cat 182
Life Time-maximum 1000% of ADB.
DAY CARE PROCEDURE
BENEFIT (DCPB)
Lump sum Benefit
of equal to 5 times
of ADB for 244
specified Surgeries.
Only for DAY CARE
Procedures.
Per year-3 times
Life Time- 30 times
OTHER SURGICAL
BENEFIT (OSB)
Any surgery Benefit than
mentioned in MSB & DCPB
list, 2.5 TIMES of ADB for
each day of hospitalization
in addition to HCB is payable.
1st year-15 days
2nd year onward-45
days per year
Life time-450 days

SPECIAL FEATURES

MEDICAL MANAGEMENT BENEFIT (MMB): Inpatient Hospitalization due to Dengue/Malaria/Pneumonia/ Pulmonary Tuberculosis/
Viral Hepatitis A. will get LUMPSUM Benefit equal to 2.5 times of ADB+HCB for number of days stay in hospital. Two times per year
┬аand Life time maximum of 20 times.
EXTENDED HOSPITALIZATION BENEFIT (HEB): Single period Hospitalization in excess of 30 days will get Lump Sum Benefit equal to 10
times of ADB along with HCB/MSB/OSB. One time per year & Life Time maximum of 10 times.
HEALTH CHECKUP BENEFIT: Actual costs subject to a maximum of one-half of ADB once in every 3 years.
AUTO HEALTH COVER BENEFIT (AHC): On death of original PRINCIPAL INSURED the Premiums Payable in respect of all other insured covered
are waived as follows: For insured spouse/ insured parents: AHC period is 15 years or up to 70 years of age whichever is earlier. For insured Children:
AHC period is 15 years to up to 25 years of age whichever is earlier.
ACCIDENT BENEFIT RIDER AND TERM RIDER BENEFIT CAN BE ADDED.
General waiting Period: The general waiting period is 90 days from the date of commencement.
Specific waiting period of 2 years for specified 24 treatment
There are 31 Exclusions on various cosmetic procedures.
IT benefit under section 80D ALLOWED for maximum of Rs. 1 LAKH
The benefits under this plan are EXCLUSIVE of all other mediclaim planes.
Minimum 24 hours hospitalization is must except DCPB Benefit
Medical Surgical Benefit Restoration.
100% of MSB exhausted in a policy year, the next MSB claim in that year post exhaustion of SA. will be covered. The subsequent
MSB claim should be different from that of previous MSB claim.