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Jeevan Arogya- a friend in your difficult times

Mode

No:

Yly

Members
1 Mr. Thomas
2 Mrs. fff
3 Kum. fff
4
5
6
7
8
9
10
11
12
13
14
15

Age
30
27
2

Number of members

M/F Relationship
Male
Self
Female
Wife
Female Daughter

Principle
Insured Minor HCB
Yes
No
1000
No
No
1000
No
Yes 1000

Term
Rider
No
No
No

Created by L J Anish, Development Officer, LIC of India, Nedumkandam Branch


www.ourlic.blogspot.com

Ver 1.2

difficult times..
Checks
Total Premium

DAB
Yes
Yes
Yes

mkandam Branch

Term
Rider SA

Rs. 4557

Premium
2198
1583
776
0
0
0
0
0
0
0
0
0
0
0
0

1
2
3
0
0
0
0
0
0
0
0
0
0
0
0

yesno

mf

rel

Yes
No

Male
Female

Daughter
Father
Father in law
Husband
Mother
Mother in law
Self
Son
Wife

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

HCB

mode
1000 ECS
2000 Hly
3000 Yly
4000

PI Male

PI Female

Other male Other female

2242.9
2124.7
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

2044.5
1934.05
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

1929.05
1805.9
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

1730.65
1615.2
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

0
1
2

12
2
1

Mr.
Mrs.
Mast.
Dr.
Kum.
Adv.
Fr.

Minor

PI

Other

924.2
924.2
792
792
792
792
792
792
792
792
792
792
792
792
792

2242.9
1934.05
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

1929.05
1615.2
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

2242.9
1615.2
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

Final

Main Prem

Rider Term

Term rider

Premium

2242.9
1615.2
792
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A
#N/A

2198.042
1582.896
776.16
0
0
0
0
0
0
0
0
0
0
0
0

30
33
#N/A
0
0
0
0
0
0
0
0
0
0
0
0

4.310044
3.492007
#N/A
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Max TR

100000
100000
0
0
0
0
0
0
0
0
0
0
0
0
0

Total Prem

2198
1583
776
0
0
0
0
0
0
0
0
0
0
0
0

DAB

Check PI

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Rebate

1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Tabular Premium Rate for PI ( For 1000 HCB)


PPT = 80 - Age at Entry

Tabular Premium Rate for other Major mem


PPT = 80 - Age at Entry

Age ( LBD)

Male

Female

Age ( LBD)

Male

18

1866.25

1672.15

18

1532.50

19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62

1895.80
1922.65
1948.90
1976.85
2005.75
2036.85
2066.10
2094.15
2124.70
2159.85
2199.75
2242.90
2286.40
2331.25
2376.75
2424.40
2475.85
2530.75
2591.10
2656.10
2725.45
2799.70
2878.70
2962.55
3051.30
3139.75
3229.75
3324.65
3428.40
3538.75
3651.60
3768.00
3881.85
4001.50
4127.45
4254.60
4383.85
4509.40
4647.95
4769.70
4897.05
5027.50
5159.60
5285.85

1698.30
1723.65
1750.00
1778.75
1807.15
1835.75
1864.95
1898.65
1934.05
1969.70
2005.50
2044.50
2084.70
2127.75
2172.35
2219.90
2269.15
2320.45
2373.15
2427.85
2480.85
2538.65
2597.15
2654.85
2706.90
2758.25
2812.95
2870.40
2933.10
2995.65
3067.30
3134.70
3202.00
3261.10
3315.80
3378.15
3442.60
3516.75
3592.35
3671.40
3744.45
3818.60
3903.65
3979.70

19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62

1563.65
1592.15
1620.05
1649.65
1680.25
1713.00
1743.90
1773.65
1805.90
1842.70
1884.30
1929.05
1974.25
2020.70
2067.85
2117.10
2170.15
2226.65
2288.55
2355.10
2425.95
2501.70
2582.15
2667.45
2757.55
2847.35
2938.60
3034.75
3139.70
3251.15
3365.05
3482.40
3597.20
3717.65
3844.30
3972.10
4101.85
4227.80
4366.65
4488.45
4615.70
4745.80
4877.35
5002.70

63
64
65
66
67
68
69
70
71
72
73
74
75

5398.40
5538.30
5686.80
5852.65
6001.20
6155.85
6331.10
6473.65
6621.35
6741.95
6964.70
7270.00
7764.90

4053.45
4099.10
4167.95
4241.25
4314.85
4390.20
4455.15
4555.75
4646.30
4796.65
4997.15
5283.80
5583.65

63
64
65
66
67
68
69
70
71
72
73
74
75

5114.10
5252.40
5398.95
5562.30
5707.55
5858.10
6028.30
6164.45
6303.95
6414.00
6622.50
6908.10
7374.00

Annexure-I

Rate for other Major members ( For 1000 HCB)

Tabular Premium Rate for Children ( For 1000 HCB)


Female

PPT = 25 - Age at Entry

1338.35
1366.15
1393.15
1421.15
1451.60
1481.65
1511.90
1542.75
1578.15
1615.20
1652.50
1690.05
1730.65
1772.50
1817.20
1863.45
1912.60
1963.45
2016.35
2070.60
2126.85
2181.35
2240.60
2300.60
2359.70
2413.15
2465.80
2521.85
2580.50
2644.35
2708.05
2780.75
2849.10
2917.30
2977.25
3032.70
3095.65
3160.65
3235.15
3311.05
3390.15
3463.10
3536.90
3621.35
3696.55

Age ( LBD)

Child

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17

792.00
792.00
792.00
792.50
793.40
794.75
796.70
799.25
802.60
806.90
812.35
819.35
828.15
839.15
853.05
870.75
893.85
924.20

3769.15
3813.20
3880.10
3950.90
4021.20
4092.45
4152.30
4246.55
4328.95
4468.65
4655.00
4921.95
5192.70

LIC's Jeevan Arogya Class-I Extra Premium rate for per 1000/-HCB

For PI

For other Major members

PPT = 80 - Age at Entry

PPT = 80 - Age at Entry

Age ( LBD)

Male

Female

Age ( LBD)

Male

Female

18

283.83

235.29

18

283.81

235.29

19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58

292.21
299.93
307.51
315.51
323.78
332.59
340.94
349.00
357.69
367.51
378.56
390.39
402.33
414.59
427.04
439.99
453.90
468.68
484.83
502.11
520.49
540.08
560.84
582.83
606.00
629.10
652.56
677.26
704.15
732.65
761.76
791.74
821.08
851.80
884.10
916.66
949.73
981.81
1017.11
1048.16

242.83
250.18
257.79
266.00
274.13
282.31
290.64
300.11
310.01
319.96
330.00
340.78
351.90
363.71
375.93
388.88
402.24
416.13
430.33
445.04
459.33
474.80
490.46
505.88
519.91
533.73
548.39
563.70
580.30
596.86
615.69
633.41
651.10
666.70
681.19
697.55
714.43
733.65
753.21
773.59

19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58

292.21
299.93
307.51
315.51
323.76
332.59
340.94
349.00
357.68
367.51
378.55
390.40
402.31
414.59
427.04
439.99
453.90
468.68
484.83
502.11
520.49
540.08
560.84
582.81
606.00
629.10
652.58
677.26
704.14
732.65
761.76
791.75
821.08
851.80
884.11
916.68
949.73
981.81
1017.10
1048.16

242.83
250.18
257.79
265.99
274.11
282.31
290.65
300.11
310.03
319.98
329.99
340.79
351.90
363.71
375.91
388.88
402.24
416.13
430.33
445.04
459.33
474.80
490.46
505.88
519.90
533.73
548.38
563.70
580.31
596.86
615.69
633.43
651.10
666.70
681.19
697.55
714.41
733.65
753.21
773.59

59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75

1080.55
1113.65
1147.09
1178.96
1207.34
1242.43
1279.55
1320.84
1357.58
1395.61
1438.51
1472.84
1507.93
1535.55
1587.61
1658.71
1774.49

792.39
811.43
833.09
852.44
871.10
882.63
899.83
917.99
935.99
954.20
969.51
993.36
1014.19
1049.20
1095.74
1162.19
1229.16

59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75

1080.54
1113.65
1147.08
1178.96
1207.34
1242.43
1279.55
1320.84
1357.58
1395.63
1438.51
1472.83
1507.94
1535.54
1587.63
1658.71
1774.49

792.39
811.43
833.09
852.44
871.09
882.63
899.81
917.99
935.99
954.20
969.51
993.36
1014.18
1049.21
1095.74
1162.18
1229.16

Annexure-II

For Children
PPT = 25 - Age at Entry

Age ( LBD)

Child

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17

119.98
120.65
121.49
122.35
123.30
124.38
125.55
126.91
128.44
130.19
132.20
134.60
137.40
140.73
144.74
149.64
155.81
163.69

Annexure-III
TERM RIDER PREMIUM RATES FOR Rs. 1000/- SUM ASSURED
Term will be 10 to 35 years for term rider benefit.
Term= Min(60-age at entry,35)
Age
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Term
35
35
35
35
35
35
35
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10

Premium rate
2.16
2.25
2.36
2.47
2.60
2.74
2.90
3.07
3.27
3.49
3.74
4.01
4.31
4.49
4.68
4.89
5.11
5.35
5.61
5.88
6.17
6.48
6.80
7.15
7.51
7.90
8.33
8.78
9.11
9.62
10.15
10.72
11.32

Annexure-IV
Term Rider Class I Extra Premium rates per 1000/- Sum Assured
Age
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Term
35
35
35
35
35
35
35
35
34
33
32
31
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10

Premium rate
0.45
0.47
0.50
0.53
0.56
0.59
0.62
0.66
0.71
0.76
0.81
0.87
0.94
0.98
1.03
1.08
1.14
1.19
1.26
1.32
1.40
1.47
1.55
1.64
1.73
1.83
1.93
2.05
2.13
2.26
2.39
2.53
2.68

Annexure V
LIC's Jeevan Arogya
Risk Premium Rate per month for per 1000 HCB and
other equivalent health benefits
Age (LBD) Male
0
67.51
1
67.51
2
67.51
3
67.51
4
67.51
5
67.51
6
67.51
7
67.51
8
67.51
9
67.51
10
67.51
11
67.51
12
67.51
13
67.51
14
67.51
15
67.51
16
67.51
17
67.51
18
82.81
19
94.97
20
101.19
21
101.65
22
104.24
23
103.95
24
114.08
25
122.20
26
121.16
27
115.47
28
110.13
29
109.65
30
116.53
31
121.25
32
127.75
33
131.16
34
131.08
35
132.68
36
130.54
37
131.45
38
133.95
39
136.32
40
140.18
41
144.88
42
150.76
43
168.43
44
182.55

Female
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
67.51
61.76
68.55
70.55
69.30
75.41
79.99
83.81
78.01
79.97
85.95
92.02
91.25
95.54
96.41
100.88
102.46
107.70
112.37
119.21
124.89
139.25
139.15
148.85
162.18
185.33
197.35
200.84

45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75

190.22
191.55
199.28
216.55
232.44
260.33
272.97
286.11
309.69
332.08
364.51
369.83
424.17
441.24
463.33
488.34
523.88
567.95
558.43
577.97
591.00
644.47
669.68
683.38
748.42
775.84
825.91
786.17
788.66
767.44
816.47

206.47
207.78
220.73
216.18
238.84
252.85
281.35
301.28
299.82
309.45
307.39
320.63
331.25
356.88
370.73
371.54
401.51
420.59
470.48
453.27
463.73
479.48
493.20
518.54
501.85
532.18
508.83
509.44
505.80
564.29
602.91