What You Should Know Before Choosing a Health Insurance Plan Like Jeevan Arogya
This plan offers financial support during medical emergencies, helping you and your family stay secure against rising healthcare costs.
Key Features
- Hospital cash benefit during hospitalization
- Increasing cover every year
- Lump sum benefits regardless of actual expenses
- No claim bonus
- Flexible coverage and premium options
Who Can Be Covered
- Self, spouse, children, parents, and in-laws under one policy
- Entry age:
- Adults: 18 to 65/75 years
- Children: 91 days to 17 years
- Coverage up to 80 years (children up to 25 years)
Coverage Options
- Choose daily hospital benefit: ₹1000 / ₹2000 / ₹3000 / ₹4000
- Major surgery cover = 100 times daily benefit
- Premium depends on age, role, and coverage level
Main Benefits
- Hospital Cash Benefit (HCB) for each day of hospitalization
- Major Surgical Benefit (MSB) for listed surgeries
- Day Care Procedure Benefit (short treatments)
- Other Surgical Benefit for additional procedures
- Ambulance benefit (fixed amount)
- Premium waiver on certain surgeries
- No claim benefit increases coverage
Important Conditions
- Benefits apply only for treatment within India
- Waiting period: 90 days for illness (none for accidents)
- Certain treatments have 2-year waiting period
- Benefits have annual and lifetime limits
What Is Not Covered
- Pre-existing conditions (unless accepted)
- Cosmetic or non-medical treatments
- Routine check-ups and diagnostic-only cases
- Pregnancy and childbirth-related expenses
- Self-inflicted injuries or substance abuse
- War, hazardous activities, or illegal acts
Other Key Points
- No maturity or surrender benefit
- Policy may lapse if premium is not paid on time
- Revival allowed within specific conditions
- Optional riders available for extra protection
Disclaimer
This is a simplified overview for general understanding. Always check the full policy terms, conditions, and exclusions before making a decision.
