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Harish Chand

Delhi LIC Agent

577, GH-9, PASCHIM VIHAR


NEW DELHI- 110087
INDIA, 9811896425, 9212201725
www.delhiLICagent.com

902 - Health Protection Plus


Pg. 1

Term Age Sum

Minimum 20 18 0

Maximum 57 55 0

Premium Ceasing Age : 75 Premium Ceasing Term : 0

Plan Highlights

Unit linked Health Protection Insurance plan, which provides for insurance cover against following health
risks:
1. Hospital Cash Benefit (HCB)
2. Major Surgical Benefit (MSB)
3. Reimbursement of domiciliary treatment expenses

HCB is on per day basis. MSB shall be a percentage of sum assured.


The Principle Insured (PI) can take the policy covering himself / herself. The spouse and/or dependent
children can be covered under the policy. To be covered under the policy at inception of the policy only and if
not done, will not be covered under the policy in future.

DEATH BENEFIT:
1. If policy is issued on a single life: N.A.V. Payable to nominee.
2. If one or more Insured lives (other than PI) are covered
The payment of premiums will cease. However, the cover shall continue for the surviving Insured lives
till the maximum benefitceasing age or till the fund is sufficient to recover the charges for hospital cash cover
and surgical benefit cover, whichever is earlier
1. Hospital Cash Benefit (HCB)
· HCB is payable on per day basis.
· This Benefit will increase at each policy anniversary by 5% till it reaches a maximum of 1.5 times the
Initial Daily Benefit.
· ICU Daily Benefit: Twice Applicable Daily Benefit of that policy year.
· For every hospitalization, no benefit paid for the first 48 hours (two days)
· Maximum. 18 days hospitalization & including not more than 9 days in intensive care unit in the 1st
policy year for each insured.
· Maximum. 60 days hospitalization. and including not more than 30 days in I.C.U. in the 2nd &
subsequent policy years for each insured.
· Limited to a maximum of 365 days during entire policy term for each insured.
· Insured Child up to age 5 yrs: Maximum period of 90 (ninety) days.
· Applicable only within India.
· Waiting period: 180 days for new policy & 90 days after revival.
· Termination: After his/her reaching 75 years OR Maximum lifetime claim limit of 365 days.

2. Major Surgical Benefit (MSB)


· MSB shall be a percentage of sum assured.
· The Corporation will pay the chosen Major Surgical Benefit Amount, as calculated as a % of Sum
Assured, regardless of actual costs incurred.
· The Major Surgical Benefit shall be paid as a lump sum
· Maximum Benefit payable in any Policy year for an insured person not exceeds 100% of the S.A. in
respect of each member.
· Maximum limit of three times the Sum Assured.
· A child included will be automatically covered after age 18 years.
· Applicable for surgery conducted only within India.
· Waiting period: 180 days for new policy & 90 days after revival.
· Termination: After his/her reaching 75 years and/or Maximum lifetime claim limit of three (03) times S.A.

Insure And Be Secure


Plan Features Continue .......... Pg. 2

Insure And Be Secure