LIC's Jeevan Arogya in tamil

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Health Insurance - First of its kind. …

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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  • 1. ‚ …” ‚ ƒ  ! ƒ, ­‚ … ~ {¢ Žž!!
  • 2. | ~  ! ’• Žƒ ,  ƒ {¢ Ž‚ { ¶t t .• { {¢ ƒ ¯t ?
  • 3. { !• Ž { Ž ‚ ž ¢ ¯ { € ž ¯{¢ v º }§ ¶ Ž{¢ Žž ƒ ­² t ¢.
  • 4. | t Ž¯|¢Žž } ? • ¯{¢ {¢ «} ¯ ¢. • {¢ € ¶t” v « „ ¢. • ƒ ‚ ~   „ ?
  • 5. | ~ ! ’° 40000 ° 200000 ~©„ ~©„ ¯ t ¯t { ‚ }™ }ˆ }™ }ˆ Ž¾  Ž¾  ° 9000° 1500
  • 6.  ƒ ....!•  ƒ ‚ ž ¯{¢ v º ¶t”  ´{ zœ Ž¾  † !•  ”ž { ƒ „ ¾} ¯{¢ v º ¶t ~ ž ’ zž ?
  • 7. « !ƒ. . Ž} “ } t ...u „ t … Ž‚” ‚©¯{¢ t ~ yž ’ y  ! u „ ƒ ~ Žt t œ t ~ y y !
  • 8. “ } t
  • 9. ¯{¢ t ~ yœ} ’ } „1) ¾ ¯{¢ º2) ² v v º3) v Ž} ¢ Ž¾  „¶ œ4) © }ˆ º5) ¯ ¯  ¾t” t ~ }6) Ž¯~ { ‚ ‚ ­„ + Ž {¢ ~ ž ’
  • 10. Hospital Cash Benefit ¾ t } ¯{¢ Žƒ § t ~ yž v ~ zœ € ¶t ¾ ~ }24 Ž { ‚” ƒ „ }²t” § t ~ ž °.1000/2000/ † ¯ ¶t”..! 3000/4000 ICU ŽƒHCB º: ( y ) ¯| ƒ ¯t” °.2000/4000/ Žt”, ¯t” 6000/8000 ‚ t”. | ~ } | žt” HCB ~ ²{ ¢ ! ” ~ ²{ ¢ ƒ !!
  • 11. Major Surgical Benefit ¯ ² v t } 140 Ž ¯ ² v ~ ž ƒ ” ž ¶t” !Heart ˆ  ¾, kidney, °.1 y stomach,liver, « ƒ 4 y brain, lungs ‚² ² v | žt” „ y 140 HCB Ž} 100 u” | ~ } | žt” HCB ~ ²{ ¢ ! ” ~ ²{ ¢ ƒ !! ( } 20% « ƒ 100% ² v ²{¢)
  • 12. Day Care Procedure Benefit ¯ „ ¯{¢ § yž ~ ž ² v t }140 ² °.5000 « ƒ v „ 20000 yœ ƒ. ¯ | žt” „ yž HCB Ž} 5 ˆ { ¾ Žƒ u” u zœ ! | ~ } | žt” HCB ~ ²{ ¢ ! ” ~ ²{ ¢ ƒ !!
  • 13. Other Surgical Benefit MSB ‚² DCPB yœ ƒ ² v t } ‚² v °.2000 « ƒ² v 8000 v „ {¢ | žt” HCB Ž} 2 u” | ~ } | žt” HCB ~ ²{ ¢ ! ” ~ ²{ ¢ ƒ !!
  • 14. “ } t ~©  u „ ! Hospital Cash Hospital Cash Benefit Benefit Ž} Ž} z « ƒ ¯  ¯  « ƒ 30 y „ 90 y „ ( ƒ 15 ( ƒ 45 y „ y „ ICU } = ICU } =2 u” HCB) 2 u” HCB) … „ «¸¢ y  720 y „ ( ƒ 360 y „ ICU } = 2 u” HCB)
  • 15. “ } t ~©  u „ !Major Surgical Major Surgical Benefit Benefit¯ zœƒ … ƒ y  ¯ y  ¯  HCB Ž} Ž¾  HCB Ž} „¶ œ!100 u”! 800 u”! u ¾t ~ y ¯{¢ ƒ v ~ ‚ ƒ 50% œ u ~ ž ! © }ˆ º °1000 y !!
  • 16. “ } t ~©  u „ ! Day Care Day Care Procedure BenefitProcedure Benefit … ƒ ¯ zœƒ y  y  24« 3« DCPB u ~ ž ¢, HCB } ¢!
  • 17. “ } t ~©  u „ ! Other SurgicalOther Surgical Benefit Benefit z  Other Surgical « ƒ zž Benefit zœƒ « ƒ ¾ y  y 15 y „ 45 y „ t ~ yž yž! yž! u ~ ž! … ƒ y  360 y „!
  • 18. “ } t «t ” ~© ! ƒ ƒœ~ Žƒ  ¯{¢ v } ¢ 80 ¢ ¯ ˆ ¤ º º „ ¯{¢ t ¢! ~ yž{ ’ yž Ž} … y  ! u ~ ž « ºu”v | !! ~©{ ¢ !! ¢! ¢! Ž¯~ ~ y ƒ yž ­„ ~ ž ’ ‚² Ž {¢t ~ ž! ’
  • 19. “ } t «t ” ~© ! } „ ¢º Ž¾  y { ƒ¬} zœ‚” ¯ « † ¯ yž ¬} zž¾ t ~ ž 5% HCB !! t { ! † ¯ zž HCB 5% { ~ ž! y  50%
  • 20. “ } t «t ” ~© ! EXCLUSIONS ~ yœ¯|¢ ’ Ž t” „23 u } œ~ Žƒ‚ „¶ v ¶t” ~ ž ’ ¢. ‚²„ ... ‚ „ Ž „ ¢ ¯{¢ ¾ (General Check up)Routine Medical Check up ” ž{¢ ‚ v (cosmetic surgery) Ž Žt ²AIDS „ y ƒ Ž € „ ~ ²  v „( € ‚² €)
  • 21. “ } t «t ” ~© ! Waiting Period { ¯~© Ž { } ƒ t Ž¾  ” Ž‚ ´{ ƒ 90 ~ ž Ž} y ¶t”„v t” } „ ©¢~ Ž{ ƒ 45 } „ u y „! Ž} t Ž |¢ 90 90 y ¶t”~ ¯| y ¶t” Ž} ©¢~ Ž{ ƒ zž! Ž}! 90 y „! ´ yœ ~ yž„ 17 v ¶t” { ¯~©  2 ¯ ! !
  • 22. “ } t    ? ”ž  – 18 « ƒ 55 ¢(Principal Insured) t” yž ƒ ¢ } Ž(18 -65 ¢), ” | „ (3  – 17 ¢), ‚  ‚² Ž Ž} ‚  (75 ¢ ) ­ {  ~ ž «œº² ’ ¢: ” | (25 ¢)  80 ¢
  • 23. “ } t ‚  u „ « : zž, zž, zž ‚² (ECS« ) ´ y „: Q / H / Y : 30 days AND ECS: 15 days©¢~ Ž{ ƒ: Ž¾  ´{ Ž¯|¢ 2 ¯ { ‚”„ } }, z: ƒ t Ž} „¶ (Dating Back) ƒ”ž { ƒ ¯ ¾} } ‚ t” ‚ «œ ¢”ž { ƒ „ ²~ Ž  « {¢t „ zž. ¯   „ yž Ž ” {¢t „ .
  • 24. “ } t ~©  u „ | y { } … } „ ¯{¢ v v t }² } ƒ (Certified photocopies) ¢ ¢. ‚ y u } … } ‚ ´ ƒ z } „•ž ~ . ‚ ´{¢ Ž¾  ¯ ¾ y { } Ž¾º 80D Ž}… °15000 Ž´ ‚  { ¯| ƒ °30000 Ž´ Ž t” .
  • 25. “ } t 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 >55Non Non Upto NM NM NM FMR,FBS,RUA FMR,FBS,Medical RUA,ECG, Medical 2 lacs S.CREATININE GenlSpecial--------- Upto NM FMR,FBS, FMR, FMR, FBS, FMR,FBS, ------------- RUA FBS,RUA. RUA,ECG, RUA,ECG,Upto 4 lacs S.CREATININE LIPIDOGRAM, Upto AgeAge 45: S.CREATININE 35: 5 lakhs LFTs,HBSAG,5 lakhs HAEMOGRM, --------------------- HBA1. 36 to 5046 -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
  • 27. “ } t 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....­„ ~ yœ‚” ’ ž{¢ u }¯{¢ ~ yœ‚ ’ !
  • 28. “ } t Illustration ž{¢t yž Nature of Benefit y  °.1000 HCB | žt” ¢ « zž z  (Rs) zž (Rs)  t” } „ «¸ ¢ (Rs)Hospital Cash Benefit (HCB) including ICUBenefit 45,000 1,41,750 16,20,000Major Surgical Benefit (MSB) 1,00,000 1,05,000 12,00,000Other Surgeries Benefit (OSB) 30,000 94,500 10,80,000Day Care Procedure Benefit (DCPB) 15,000 15,750 1,80,000Maximum Benefit under the policy perinsured 40,80,000Ambulance Charges incurred Rs.1000/- per insured per yearPremium Waiver Benefit One Year PremiumNo Claim Benefit Increase in HCB by 5%
  • 29.  ~ !  ~  !!“ } t ’ Žƒ |¢.... }© } œ. ˆ. }, ƒ. . ., ° 94431 56829 tsr.iyengar@gmail.com