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Plan No. 906Health Insurance
LIC's Arogya Rakshak
"Complete health protection for the family."
A non-linked, non-participating, regular premium, individual, health insurance plan which provides fixed benefit health insurance cover against certain specified health risks.
Key Features
- ✓Hospital cash benefit.
- ✓Major surgical benefit.
- ✓Can cover principal insured, spouse, children, and parents.
Eligibility Criteria
Minimum Age18 Years
Maximum Age65 Years
Minimum TermUp to age 80
Maximum TermUp to age 80
Min Sum Assured₹ 2,50,000
Max Sum Assured₹ 10,00,000
Plan Benefits
Death Benefit
Auto step-up benefit.
Survival Benefit
Hospitalization and surgery payouts.
Maturity Benefit
N/A
Real-World Example
Profile35-Year-Old Couple
Sum Assured₹ 5,00,000 (Major Surgical Benefit)
Term DetailsUp to Age 80
Annual Premium₹ 12,000 / Year
Expected ReturnsHospital Cash + Surgical Payouts
How it Works
Instead of traditional mediclaim that pays bills, this plan pays a FIXED amount. If admitted to a hospital, you get ₹ 5,000 per day cash regardless of the actual bill. If a major surgery is required, you get a lump sum percentage of the ₹ 5L cover instantly.