Rad 19464

8/6/2019 Rad 19464

http://slidepdf.com/reader/full/rad-19464 1/4

Presented by-

Mr. Gupta

www.delhiLICagent.com

[email protected]

PH. 09811896425, 09212201725

IRDA Authorised Insurance Advisor

LIFE INSURANCE CORPORATION OF INDIA

Harish Chand

8/6/2019 Rad 19464



Harish Chand


PH. 09811896425, 09212201725

[email protected]


Health Protection Plus Plan Presentation For Mr. Gupta

Installment Premium

Yearly:Mode of Premium

: 17/02/2011:Date of Report15000

Presentation up to Age : 75 Years (nearer birthday)

Rs.

Medical Benefit Details

2039203620332030202720242021201820152014201320122011Details

Mr. Gupta ( Principle Insured ) - Cover upto 16/02/2039

757269666360575451504948 Age 47

037503750375037503750375033753000287527502625HCB (Non ICU) 2500

075007500750075007500750067506000575055005250HCB (ICU) 5000

0337500337500337500337500337500337500303750270000258750247500236250Max. HCB p.a. 67500

Surgical Benefit of Rs.500000 in one policy year ( max Rs.1500000 during policy term )

Note :-

Hospital Cash Benefit:

- Limited to 18 days including maximum 9 days in ICU for 1st Policy Year and there after 60 days including maximum 30 days in ICU.

- Maximum 365 days benefit in the entire policy term.

- For child maximum HCB limit is upto 90 days till he/she becomes 5 years of age.

- HCB (Non ICU) and HCB (ICU) are quoted on per day basis.

- HCB will increase @ 5% p.a. subject to maximum of 150% of Basic HCB.

Domiciliary Treatment Benefit (DTB): Additionally, the plan also provides this benefit which is payable from the policy fund after 3 yearly

premiums are paid. (Minimum Rs.2500/- subject to maximum of 50% of policy fund and 2 claims per year.)

Tax Benefit : Premium paid is eligible for benefits under Section 80(D).

** For Private Circulation only

8/6/2019 Rad 19464



Harish Chand


PH. 09811896425, 09212201725

[email protected]



Mode of Premium Yearly:

:Installment Premium 17/02/2011:Date of Report15000

Presentation up to Age : 75 Years (nearer birthday)

Rs.

Growth of Health Protection Plus Fund under 6% Scenario

*Total

Charges Admn

Total

Prem Paid

Policy

Year

Age

(PI)

Annual

Premium

Fund

Value HCB MSB

Service

Tax Alloc.

End of Other ChargesBenefit ChargesFund Growth

Max. MSBMax. HCB

Family Benefit

48 1500015000 1340 2120 9224500 900 98781 5574 67500 500000

49 3000015000 1389 2305 527900 300 56422 15982 236250 500000

50 4500015000 1458 2500 568900 300 60783 26583 247500 500000

51 6000015000 1521 2675 606900 300 64894 37412 258750 500000

52 7500015000 1584 2800 639900 300 68475 48525 270000 500000

53 9000015000 1647 3005 682900 300 72986 59863 281250 500000

54 10500015000 1714 3215 725900 300 77617 71413 292500 500000

55 12000015000 1808 3435 772900 300 82698 83158 303750 500000

56 13500015000 1902 3640 818900 300 87629 95109 315000 500000

57 15000015000 1997 3880 868900 300 929810 107239 326250 500000

58 16500015000 2091 4105 917900 300 981911 119578 337500 500000

59 18000015000 2186 4340 967900 300 1035512 132127 337500 500000

60 19500015000 2316 4575 1021900 300 1093113 144845 337500 500000

61 21000015000 2445 4810 1075900 300 1151014 157753 337500 500000

62 22500015000 2685 5045 1141900 300 1221315 170722 337500 500000

63 24000015000 2922 5355 1214900 300 1299616 183684 337500 500000

64 25500015000 3156 5650 1285900 300 1375817 196653 337500 50000065 27000015000 3480 5960 1367900 300 1463518 209513 337500 500000

66 28500015000 3723 6290 1442900 300 1544519 222324 337500 500000

67 2850000 4059 6635 14180 300 1517920 220305 337500 500000

68 2850000 4403 7000 14870 300 1592821 217383 337500 500000

69 2850000 4756 7385 15590 300 1669422 213489 337500 500000

70 2850000 5112 7785 16310 300 1746723 208563 337500 500000

71 2850000 5470 8220 17060 300 1826524 202509 337500 500000

72 2850000 5798 8670 17770 300 1903125 195298 337500 500000

73 2850000 6117 9145 18490 300 1979826 186850 337500 500000

74 2850000 6423 9605 19160 300 2051727 177133 337500 500000

75 2850000 6744 9990 19750 300 2115228 166163 337500 500000

Domiciliary Treatment Benefit (DTB): Additionally, the plan also provides this benefit which is payable from the policy fund after 3 yearly

premiums are paid. (Minimum Rs.2500/- subject to maximum of 50% of policy fund and 2 claims per year.)* Total Charges includes the HCB Charges, MSB Charges, Allocation Charges, Admin Charges, FMC Charges and Service Tax.

** For private circulation only

8/6/2019 Rad 19464



Harish Chand


PH. 09811896425, 09212201725

[email protected]



Health Protection Plus is a UNIT LINKED HEALTH INSURANCE PLAN launched by L.I.C. of India. This policy guards you & your

family against the trauma that you may face due to increased financial burden during hospitalization.

Provides insurance cover for Hospital Charges, Major Surgical Charges and Domiciliary Treatment Expenses in India.

Entire family including spouse and dependant children can be covered in a s ingle policy.

The premium is used to cover the insurance benefits and investment in the market.

Features at a glance:

l

l

l

Hospital Cash Benefit (HCB)

For every hospitalization, this benefit is payable on daily basis (excluding first twodays).

In case of ICU admission, the benefit payable per day is double the HCB covered.

The benefit per day increases by 5% every policy year for 10 years.

Benefits available l

Maximum period for each insured 1st Pol icy Year: 18 days including maximum 9 days in ICU.

Subsequent Year: 60 days including maximum 30 days in ICU.

Maximum 365 days benefit in the entire policy term.

For child maximum HCB limit is upto 90 days till he/she becomes 5 years of age.

l

Cover starts after 180 days from date of commencement or 90 days of policy revival.

Immediately if the hospitalization is due to Accidental Bodily Injury.

l

Maximum Initial Daily Benefit Principal Insured - Rs.2500, Spouse - Rs.1500, Children - Rs.1500l

l

l

l

l

l

l

Major Surgical Benefit (MSB)

Benefits Available In the event of insured undergoing one of the eligible surgeries, a suitable percentage

of MSB sum assured will be paid in lump sum irrespective of the actual cost of surgery.

l

Maximum limit for each insured Benefit payable only once during the pol icy l ifet ime for one type of surgery.

Total claim during lifetime of policy must not exceed 3 times the MSB sum insured.

l

l

l 180 days from date of commencement or 90 days of policy revival

Child covered from policy anniversary after completion of 18 years

Immediately if the hospitalization is due to Accidental Bodily Injury

Cover starts after

l

l

Sum Assured for each insured 200 times of their initial HCB.l

Domiciliary Treatment Benefit

Benefits available This benefit is payable from the policy fund and is available over and above the HCB &

MSB after the payment of 3 yearly premiums.

l

Minimum claim is Rs.2500 and maximum is 50% of the Policy Fund

Maximum 2 claims in a policy year

Child will receive the benefit upto 25 years of age.

Limits l

l

l

The above information is intended to give you only a fair idea about certain benefits of L.I.C. 's Health Insurance Plan. For complete

information and terms & conditions of the policy, please refer to the original policy document/ brochure of this plan.

Disclaimer:

Documents

Rad 19464