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LIC's Jeevan Arogya in tamil
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 !
LIC's Jeevan Arogya in tamil
- 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 !
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- 9. ¯{¢ t ~ yœ} ’ } „ 1) ¾ ¯{¢ º 2) ² v v º 3) v Ž} ¢ Ž¾ „¶ œ 4) © }ˆ º 5) ¯ ¯ 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 Žƒ HCB 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 ProcedureBenefit ¯ „ ¯{¢ § 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 « ƒ ² 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 Benefit Procedure Benefit … ƒ ¯ zœƒ y y 24« 3« DCPB u ~ ž ¢, HCB } ¢!
- 17. “ } t ~© u „ ! Other Surgical Other 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 ƒ œ~ Žƒ ¯{¢ v } ¢ 80 ¢ ¯ ˆ ¤ º º „ ¯{¢ t ¢! ~ yž{ ’ yž Ž} … y ! u ~ ž « º u”v | !! ~©{ ¢ !! ¢! ¢! Ž¯~ ~ y ƒ yž „ ~ ž ’ ‚² Ž {¢t ~ ž! ’
- 19. “ } t «t ” ~© ! } „ ¢º Ž¾ y { ƒ ¬} zœ‚” ¯ « † ¯ yž ¬} zž ¾ 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 ² AIDS „ 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 >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
- 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 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%
- 29. ~ ! ~ !! “ } t ’ Žƒ |¢.... }© } œ. ˆ. }, ƒ. . ., ° 94431 56829 tsr.iyengar@gmail.com