Which is the Best LIC Medical Insurance Plan?

There is a wide range of health plans available in the market today. The best one is the one that meets your requirement. However, if you're looking for a health plan particularly from LIC then 'Jeevan Arogya' is the best LIC medical insurance plan to go with. LIC's Jeevan Arogya is a non-linked, non-participating health insurance plan. The plan covers you, your spouse, your children, your parents and your spouse's parents, thereby providing a comprehensive coverage. It pays out a lump sum amount for the treatment regardless of the actual cost incurred on hospitalization.


  • A lump sum amount is provided that covers hospitalization and surgery expenses.
  • Premium payment option under this plan is flexible. You can pay the premium monthly, quarterly, half yearly or annually.
  • A flexible health cover based on one's requirement can be chosen under this plan.
  • A year on year increase of health cover is available as one of its prime features.


  • Hospital cash benefit (hcb) - the Hospitalization expenses incurred in the event of hospitalization of any family member (those insured under this plan) up to a minimum 24 hours is covered under the plan. This will be reimbursed from the lump sum amount provided.
  • Major surgical benefit - the Major Surgical expenses incurred on the listed surgeries will be reimbursed.
  • Other surgical benefit - Surgical expenses other than the major ones will be reimbursed.
  • Day care procedure benefit - expenses incurred on a Day care treatment of any insured family member will also be reimbursed.

Other benefits

  • The cover will also be extended to the new family member in the event of marriage or child birth.
  • Annually for each insured family member, ?1,000 are reimbursed in case of any ambulance charges paid.
  • Premium waiver benefit is available under this plan.


  • Age bracket to be eligible for the plan is as follows:
  • For you and your spouse - 18-65 year
  • For your parents and/or in-laws - 18-75 years
  • For children - 91 days to 17 years