JEEVAN AROGYA

PLAN NO 903
NON-LINKED HEALTH
COVER PLAN
 Provides FIXED BENEFITS for
HOSPITALIZATION and almost
all types of SURGICAL
PROCEDURES

Benefit payable is irrespective

of COST INCURRED
Benefit is additional to any other
health insurance cover

MULTIPLE LIVES under one policy

Insured called PRINCIPAL
INSURED(PI)

Spouse, Children, Parents &
Parents-in-law can also be added

PREMIUM based on age , Daily
Hospital Cash Benefit , gender

PREMIUM for BASIC PLAN
will be guaranteed for 3 years
only

PREMIUM is reviewable on
every third policy anniversary
(AUTOMATIC RENEWAL
DATE)
 ELIGIBILITY
Age at Entry Minimum Maximum
Principal 18 nbd 65 nbd
Insured
Childrens 3 month 17 yrs
Parents & In-law Parents 75 years nbd

Maximum 80 lbd for INSURED

Cover expiry 25 yrs for CHILD
age
 BENEFITS in JEEVAN AROGYA
HOSPITAL CASH BENEFIT (HCB)
MAJOR SURGICAL BENEFIT (MSB)
AMBULANCE BENEFIT
PREMIUM WAIVER BENEFIT
DAY CARE PROCEDURE BENEFIT (DCPB)
OTHER SURGICAL BENEFIT (OSB)
TWO RIDERS also available
TERM ASSURANCE BENEFIT
ACCIDENT BENEFIT
 HOSPITAL
CASH BENEFIT
(HCB)
HOSPITAL CASH BENEFIT (HCB)

If Principal Insured or Insured

Members is hospitalized due
to Accidental Bodily Injury
or sickness & stay in
hospital exceeds 24 hours
then HCB is payable
 HOSPITAL CASH BENEFIT (HCB)
(Eligible Amount)

Initial Daily Benefit

Minimum Maximum

Rs. 1000/- Rs. 4000/-

Maximum Age for Hospital Coverage available for
Principal Insured & Spouse & Both Parents are 80 years

Maximum Age for Hospital Coverage available for
Children is 25 years
 HOSPITAL CASH BENEFIT (HCB)

Eligible Benefit (HCB Payable)

1st Year of Policy 30 days incl. of 15 days
in ICU
There after 90 days incl of 45 days
in ICU

Maximum allowed 720 days incl of 365

in LIFE TIME of days in ICU
POLICY
HOSPITAL CASH BENEFIT (HCB)
Benefit will increase 5% every year till it
reaches 1.5 times of Initial Daily Benefit.

An additional 5% of Initial DAILY

BENEFIT can also be added as NO
CLAIM BENFIT (every 3rd year)

Payable for first 24 hours also if

hospitalized more than 7 days
 MAJOR
SURGICAL
BENEFIT (MSB)
MAJOR SURGICAL BENEFIT (MSB)

Insured undergoing any

listed surgeries due to
Accidental Bodily Injury
or Sickness then Major
Surgical Benefit (MSB) is
payable
 MAJOR SURGICAL BENEFIT (MSB)
(Eligible Benefit)

P.I./Spouse/Both
Parents/Children
Sum Assured 100 times of Initial
Daily Benefit of HCB
Maximum 100% of Sum
Annual Benefit Assured
Maximum Life 800% of MSB SA
Time Benefit
MAJOR SURGICAL BENEFIT (MSB)

Quick Cash Facility : 50%

of eligible MSB amount
payable.
MSB is calculated as a %
of SA & payable regardless
of actual cost of surgery.
 AMBULANCE BENEFIT
In the event of Major
Surgical Benefit
Rs. 1000/-
Ambulance Benefit
is also payable
PREMIUM WAIVER BENEFIT

In the event of Major Surgical

Benefit Total One Year
Premium from the date of
due coinciding with or next
following the date of
Surgery will be waived
 OTHER DAY
CARE
PROCEDURES
BENEFIT(DCPB)
DAY CARE PROCEDURE BENEFIT (DCPB)

In the event of Insured

undergoing specified Day
Care Procedure mentioned
then DAY CARE PROCEDURE
BENEFIT is PAYABLE.

Not payable if HOSPITAL CASH BENEFIT is paid

 DAY CARE PROCEDURE BENEFIT (DCPB)
PI/Spouse/Both
Parents/Children
Lumpsum 5 times of Applicable
Benefit Payable Daily Benefit

Maxi annual 3 Surgical Procedures

Benefit

Maxi Life Time 24 Surgical Procedures

Benefit
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)
 OTHER
SURGICAL
BENEFIT (OSB)
OTHER SURGICAL BENEFIT (OSB)

If Insured under goes any

Surgery not listed under
Major Surgical Benefit or
Day Care Procedure & stay
in hospital exceeds 24
hours OTHER SURGICAL
BENEFIT is payable
 OTHER SURGICAL BENEFIT (OSB)

PI/Spouse/Both
Parents/Children
Daily Benefit 2 times of Applicable
Amount Daily Benefit (ADB)

Maxi. Annual 1st Year 15 days &

Benefit 45 days thereafter
Maxi Life Time 360 days
 TERM
ASSURANCE
BENEFIT
TERM ASSURANCE BENEFIT
Benefit is Optional Only.
Available for Principal Insured &
SPOUSE only.
An amount equal to MAJOR
SURGICAL BENEFIT SUM
ASSURED (i.e. 100 times of Initial
DAILY HOSPITAL CASH BENEFIT)
is eligible
 TERM ASSURANCE BENEFIT
(Eligibility Conditions)
Minimum Maximum
Age at entry 18 yrs 50 yrs nbd
completed
Maxi. Maturity Age 60 yrs nbd
Maximum Term 35 years
Sum Assured 100 times of 25 lacs
Initial Daily including all
Hospital Cash existing Term
Benefit Ins. Policies.
ACCIDENT
BENEFIT
 ACCIDENT BENEFIT
Eligible only if Term Assurance Rider is
selected
Benefit 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
 ACCIDENT BENEFIT
(Eligibility Conditions)

Minimum Maximum
Age at entry 18 yrs 50 yrs nbd
completed
Maxi. Maturity Age 60 yrs nbd
Maximum Term 35 years
Sum Equal to Term Assurance
Assured Rider Sum Assured
 DEATH BENEFIT
NO DEATH BENEFIT is payable.

On Death of Principal Insured Spouse

can become Principal Insured &
continue with new premium

If SPOUSE died before P.I. death then

Other Insured can cancel the Policy &
get a new POLICY in their name with
new PREMIUM
DEATH of other MEMBERS

The Policy will continue after

removal of died member &
PREMIUM will change

NO MATURITY
BENEFIT is payable
 Automatic Renewal Date

Premiums are guaranteed

only for a period of 3 years
After end of every third policy
year PREMIUMS will be
reviewed based on
CORPORATIONS experience
 Removal of Existing Members

Existing Members can be

removed at any time on
request

Premiums will be changed
from next following due date
 Agents Commission
1st Year  25% of Premium
2nd & 3rd Year  7.5%
Subsequent Year  5%

40% BONUS COMMISSION is also

payable.

DEVELOPMENT OFFICERS credit 100%

 ELIGIBILITY
Mode 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 NOT

ALLOWED
Policy Can be revived within 2 years
from FUP
 UNDERWRITING RULES
Non Medical Special
Upto 45 years Rs. 5 lacs
46 to 50 years Rs. 4 lacs
Non Medical General
Upto 30 years Rs. 5 lacs
36 to 50 years Rs. 2 lacs
ADVANTAGES OF
JEEVAN AROGYA
over
HEALTH
PROTECTION PLUS
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
Day Care Procedure Available Not Available
Benefit
Other Surgical Benefit Available Not Available
Term Assurance & Available Not Available
Accident Benefit
AMBULANCE Benefit Available Not Available
Premium Waiver Benefit Available Not Available
 Additional Benefit over Health
Protection Plus Plan
JEEVAN AROGYA HEALTH+
Waiting period Only 24 Hours 48 Hours
for Hospital
Cash benefit HCB excludes 24 hours. HCB
But if hospitalization is excludes first
more than 7 days then 24 48 hours
hours is also included
NO CLAIM For every 3 years Daily NOT
BENEFIT Cash Benefit will be AVAILABLE
increased by 5%
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
Insured Parents & IN- Only Spouse &
Members LAW Parents can Children are
also be included eligible
PREMIUM Pure Term UNIT-LINKED
Insurance Premium
Premium
DOMICILIARY NOT AVAILABLE AVAILABLE
TREATMENT
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
HOSPITAL CASH BENEFIT
Ist Year 30 days incl. 15 18 days incl 9
days ICU days ICU
Thereafter 90 days incl. 45 60 days incl 30
days in ICU days ICU
Maximum Life 720 days 365 days
TIME
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
MAJOR SURGICAL BENEFIT
Sum Assured 100 times of 200 times of
DCB DCB
MAXIMUM 8 times of SUM 3 times of SUM
LIFE TIME ASSURED ASSURED
BENEFIT
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
Commission to 25% + 40% 10% + 40%
Agents Bonus Bonus

Development 100% 40%

Officers Credit
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
Age of COVERAGE 80 years 75 years
Minimum HOSPITAL Rs. 1000/- Rs. 250/-
CASH BENEFIT
Maximum HOSPITAL Rs. 4000/- Rs. 2500/-
CASH BENEFIT
SURGICAL Almost all ONLY LISTED
BENEFITS SURGERIES SURGERIES
are covered eligible
 Additional Benefit over Health
Protection Plus Plan
JEEVAN HEALTH+
AROGYA
PREMIUM Can change UNIFORM
every 3 years PREMIUM
Premium Maximum Term 65 years
ceasing age 35 years