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JEEVAN AROGYA
PLAN NO 903NON-LINKED HEALTH
COVER PLAN
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Provides FIXED BENEFITS forHOSPITALIZATION and almost
all types of SURGICALPROCEDURES
Benefit payable is irrespectiveof COST INCURRED
Benefit is additional to any otherhealth insurance cover
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ELIGIBILITY
80 lbd for INSURED
25 yrs for CHILD
MaximumCover expiry
age
75 years nbdParents & In-law Parents
17 yrs3 monthChildrens
65 nbd18 nbdPrincipalInsured
MaximumMinimumAge at Entry
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BENEFITS in JEEVAN AROGYAHOSPITAL CASH BENEFIT (HCB)
MAJOR SURGICAL BENEFIT (MSB)AMBULANCE BENEFIT
PREMIUM WAIVER BENEFITDAY CARE PROCEDURE BENEFIT (DCPB)
OTHER SURGICAL BENEFIT (OSB)
TWO RIDERS also available
TERM ASSURANCE BENEFIT
ACCIDENT BENEFIT
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HOSPITAL
CASH BENEFIT(HCB)
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If Principal Insured or InsuredMembers is hospitalized dueto Accidental Bodily Injury
or sickness & stay inhospital exceeds 24 hours
then HCB is payable
HOSPITAL CASH BENEFIT (HCB)
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HOSPITAL CASH BENEFIT (HCB)
(Eligible Amount)
Initial Daily Benefit
Minimum
Rs. 1000/-
Maximum
Rs. 4000/-
Maximum Age for Hospital Coverage available forPrincipal Insured & Spouse & Both Parents are 80 years
Maximum Age for Hospital Coverage available for
Children is 25 years
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HOSPITAL CASH BENEFIT (HCB)
30 days incl. of 15 daysin ICU
1st Year of Policy
Eligible Benefit (HCB Payable)
90 days incl of 45 daysin ICU
There after
720 days incl of 365days in ICU
Maximum allowedin LIFE TIME ofPOLICY
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Benefit will increase 5% every year till it
reaches 1.5 times of Initial Daily Benefit.
HOSPITAL CASH BENEFIT (HCB)
An additional 5% of Initial DAILY
BENEFIT can also be added as NOCLAIM BENFIT (every 3rd year)
Payable for first 24 hours also ifhospitalized more than 7 days
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MAJOR
SURGICALBENEFIT (MSB)
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MAJOR SURGICAL BENEFIT (MSB)
Insured undergoing anylisted surgeries due to
Accidental Bodily Injuryor Sickness then Major
Surgical Benefit (MSB) ispayable
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MAJOR SURGICAL BENEFIT (MSB)(Eligible Benefit)
100 times of Initial
Daily Benefit of HCB
Sum Assured
P.I./Spouse/Both
Parents/Children
100% of Sum
Assured
Maximum
Annual Benefit
800% of MSB SAMaximum Life
Time Benefit
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MAJOR SURGICAL BENEFIT (MSB)
Quick Cash Facility : 50%of eligible MSB amount
payable.MSB is calculated as a %
of SA & payable regardlessof actual cost of surgery.
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AMBULANCE BENEFIT
In the event of MajorSurgical Benefit
Rs. 1000/-
Ambulance Benefit
is also payable
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PREMIUM WAIVER BENEFIT
In the event of Major SurgicalBenefit Total One Year
Premium from the date ofdue coinciding with or next
following the date ofSurgery will be waived
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OTHER DAY
CARE
PROCEDURES
BENEFIT(DCPB)
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DAY CARE PROCEDURE BENEFIT (DCPB)
In the event of Insured
undergoing specified DayCare Procedure mentioned
then DAY CARE PROCEDUREBENEFIT is PAYABLE.
Not payable if HOSPITAL CASH BENEFIT is paid
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DAY CARE PROCEDURE BENEFIT (DCPB)
5 times of ApplicableDaily Benefit
LumpsumBenefit Payable
PI/Spouse/BothParents/Children
3 Surgical ProceduresMaxi annualBenefit
24 Surgical ProceduresMaxi Life TimeBenefit
Applicable Daily Benefit is nothing but modified Initial Daily Cash
Benefit of Hospital Cash Benefit (modified by 5% increase every year &after adding NO CLAIM BENEFIT every 3rd Year)
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OTHER
SURGICALBENEFIT (OSB)
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OTHER SURGICAL BENEFIT (OSB)
If Insured under goes any
Surgery not listed underMajor Surgical Benefit or
Day Care Procedure & stayin hospital exceeds 24
hours OTHER SURGICALBENEFIT is payable
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OTHER SURGICAL BENEFIT (OSB)
2 times of ApplicableDaily Benefit (ADB)
Daily Benefit
Amount
PI/Spouse/Both
Parents/Children
1st Year 15 days &
45 days thereafter
Maxi. Annual
Benefit360 daysMaxi Life Time
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TERM
ASSURANCEBENEFIT
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TERM ASSURANCE BENEFIT
Benefit is Optional Only.
Available for Principal Insured &SPOUSE only.
An amount equal to MAJORSURGICAL BENEFIT SUM
ASSURED (i.e. 100 times of InitialDAILY HOSPITAL CASH BENEFIT)is eligible
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TERM ASSURANCE BENEFIT
(Eligibility Conditions)
25 lacs
including allexisting TermIns. Policies.
100 times of
Initial DailyHospital CashBenefit
Sum Assured
35 yearsMaximum Term
60 yrs nbdMaxi. Maturity Age
50 yrs nbd18 yrscompleted
Age at entry
MaximumMinimum
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ACCIDENT
BENEFIT
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ACCIDENT BENEFITEligible only if Term Assurance Rider is
selectedBenefit is Optional Only.
Available for Principal Insured &
SPOUSE only.
An amount equal to Term Assurance
Rider Sum Assured is eligible.
Premium of Rs. 0.50/ 1000 SA is
payable
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ACCIDENT BENEFIT
(Eligibility Conditions)
Equal to Term AssuranceRider Sum AssuredSumAssured
35 yearsMaximum Term60 yrs nbdMaxi. Maturity Age
50 yrs nbd18 yrscompleted
Age at entry
MaximumMinimum
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DEATH BENEFITNO DEATH BENEFIT is payable.
On Death of Principal Insured Spousecan become Principal Insured &
continue with new premium
If SPOUSE died before P.I. death thenOther Insured can cancel the Policy &get a new POLICY in their name with
new PREMIUM
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DEATH of other MEMBERS
The Policy will continue afterremoval of died member &
PREMIUM will change
NO MATURITYBENEFIT is payable
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Automatic Renewal Date
Premiums are guaranteedonly for a period of 3 years
After end of every third policyyear PREMIUMS will be
reviewed based onCORPORATIONS experience
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Removal of Existing Members
Existing Members can beremoved at any time onrequest
Premiums will be changed
from next following due date
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ELIGIBILITYMode of Payment : Yly, Hly & ECS allowed
Standard Age Proof & NSAP-1 allowed
All three female categories allowed
Waiting Period is 90 days
New Members can be added at any time
Surrender, Partial Withdrawal, Loan NOTALLOWED
Policy Can be revived within 2 years
from FUP
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ADVANTAGES OF
JEEVAN AROGYAover
HEALTHPROTECTION PLUS
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Additional Benefit over Health
Protection Plus Plan
Not AvailableAvailablePremium Waiver Benefit
Not AvailableAvailableAMBULANCE Benefit
Not AvailableAvailableTerm Assurance &Accident Benefit
Not AvailableAvailableOther Surgical Benefit
Not AvailableAvailableDay Care ProcedureBenefit
HEALTH+JEEVAN
AROGYA
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Additional Benefit over Health
Protection Plus Plan
NOT
AVAILABLE
For every 3 years Daily
Cash Benefit will beincreased by 5%
NO CLAIM
BENEFIT
HCBexcludes first
48 hours
HCB excludes 24 hours.
But if hospitalization ismore than 7 days then 24hours is also included
48 HoursOnly 24 HoursWaiting periodfor HospitalCash benefit
HEALTH+JEEVAN AROGYA
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Additional Benefit over Health
Protection Plus Plan
AVAILABLENOT AVAILABLEDOMICILIARYTREATMENT
UNIT-LINKEDPremium
Pure TermInsurance
Premium
PREMIUM
Only Spouse &Children are
eligible
Parents & IN-LAW Parents can
also be included
InsuredMembers
HEALTH+JEEVAN
AROGYA
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Additional Benefit over Health
Protection Plus Plan
365 days720 daysMaximum LifeTIME
60 days incl 30
days ICU
90 days incl. 45
days in ICU
Thereafter
18 days incl 9
days ICU
30 days incl. 15
days ICU
Ist Year
HOSPITAL CASH BENEFIT
HEALTH+JEEVAN
AROGYA
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Additional Benefit over Health
Protection Plus Plan
3 times of SUM
ASSURED
8 times of SUM
ASSURED
MAXIMUM
LIFE TIMEBENEFIT
200 times ofDCB
100 times ofDCB
Sum Assured
MAJOR SURGICAL BENEFIT
HEALTH+JEEVAN
AROGYA
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Additional Benefit over Health
Protection Plus Plan
ONLY LISTEDSURGERIES
eligible
Almost allSURGERIES
are covered
SURGICALBENEFITS
Rs. 2500/-Rs. 4000/-Maximum HOSPITAL
CASH BENEFIT
Rs. 250/-Rs. 1000/-Minimum HOSPITAL
CASH BENEFIT
75 years80 yearsAge of COVERAGE
HEALTH+JEEVAN
AROGYA
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Additional Benefit over Health
Protection Plus Plan
65 yearsMaximum Term35 years
Premiumceasing age
UNIFORMPREMIUM
Can changeevery 3 years
PREMIUM
HEALTH+JEEVAN
AROGYA