LIC’s Jeevan Arogya (Plan No. 903, UIN No. 512N266V01)

LIC’s Jeevan Arogya is a health insurance plan that helps you and your loved ones during medical problems. With this plan, you don’t have to worry about paying for hospital stays, surgeries, and other medical treatments. It makes sure you have the money you need when you’re sick.

You can use Jeevan Arogya to protect the health of yourself, your husband or wife, your kids, and your parents. It’s like a big umbrella that covers your whole family! The plan gives you money when you stay in the hospital, have a big operation, or get some kinds of day treatments.


LIC’s Jeevan Arogya (Plan No. 903) is a health insurance plan made just for you and your family. It has a special number called UIN 512N266V01. This plan helps protect you from lots of health problems and emergencies.

One really good thing about Jeevan Arogya is that it gives you a set amount of money when you go to the hospital or have an operation. You get this money no matter how much the hospital charges you. This means you can feel safe knowing you’ll have some money to help when you’re sick. And you can still use any other health insurance you might have.

Key Features

  • With Jeevan Arogya, you can protect the health of your whole family – you, your husband or wife, kids, parents, and even your in-laws. All with just one plan!
  • The plan gives you money for lots of things, like staying in the hospital, having a big operation, getting day treatments, and other surgeries. It covers a lot!
  • Jeevan Arogya is different from other health plans. It gives you a big chunk of money all at once, and you can use that money however you need to.
  • If you don’t make any claims and stay healthy, the plan rewards you! You get more benefits for each year you don’t claim. It’s like a bonus for being healthy.
  • If your family gets bigger, like if you get married or have a baby, Jeevan Arogya lets you add them to the plan. This way, your whole family stays protected.
  • Paying for Jeevan Arogya can even help you pay less taxes. The money you pay is tax-deductible under Section 80D. So you save money while keeping your family safe!


Jeevan Arogya is made for lots of different people. There are age rules for who can join. If you’re the main person on the plan, you and your spouse need to be at least 18 years old, but not older than 65. For kids, they can be as young as 91 days old, up to 17 years. And your parents and in-laws can join from age 18 all the way to 75.

WhoYoungest AgeOldest Age
You and Your Spouse18 years65 years
Kids91 days17 years
Parents and In-laws18 years75 years

Benefits in Detail

Hospital Cash Benefit

Jeevan Arogya gives you money for each day you stay in the hospital for more than 24 hours because you’re sick or had an accident. How much you get depends on what kind of room you’re in. In a regular room, you can get ₹1,000 to ₹4,000 per day. But if you’re in the ICU, you get double – ₹2,000 to ₹8,000 each day!

Major Surgical Benefit

If you need to have one of the big surgeries that Jeevan Arogya covers, the plan gives you a big payment all at once. How much you get depends on what type of surgery it is. And if your surgery is in Category 1 or 2, you also get ₹1,000 for an ambulance and you don’t have to pay for the plan next year.

Day Care Procedure Benefit

Some medical treatments don’t need you to stay in the hospital overnight. Jeevan Arogya covers a lot of these “day care” treatments. If you have one of these, you get a set amount of money, which is five times the daily hospital cash benefit. You get this no matter how much the treatment actually costs you.

Other Benefits

Jeevan Arogya also gives you twice the Hospital Cash Benefit each day for surgeries that aren’t on the Major Surgical Benefit list. If you don’t make any claims, you get a No Claim Bonus. This means your daily hospital cash benefit goes up by 5% each year, up to 50% more. If your family grows, like if you get married or have a baby, you can add them to the plan. You can also get extra protection with riders like LIC’s New Term Assurance Rider and LIC’s Accident Benefit Rider.

Optional Riders

LIC’s Jeevan Arogya lets you add two extra riders to your plan:

  1. LIC’s New Term Assurance Rider: This gives extra life insurance to you and your spouse. You can get at least ₹1,00,000, up to ₹25,00,000. You can get this if you’re between 18 and 50 years old, but it ends when you turn 60.
  2. LIC’s Accident Benefit Rider: If you or your spouse dies in an accident, this rider gives you an extra sum of money. The least you can get is ₹25,000, and the most is ₹50,00,000. You can get this rider if you’re between 18 and 50, but it stops when you’re 60.


  • Jeevan Arogya doesn’t cover health problems you already have, unless you tell LIC about them when you buy the plan and they say it’s okay.
  • Dental work isn’t covered, unless it’s because of an accident.
  • The plan doesn’t cover conditions you’re born with or disorders that run in your family.
  • If you have to go to the hospital or get treatment because of drugs or alcohol, that’s not covered.
  • Jeevan Arogya doesn’t cover anything related to AIDS or HIV.
  • If you go to the hospital just to get checked out or have tests done, that’s not covered.
  • Injuries or sickness from war, nuclear problems, riots, or things like that aren’t covered.


Can I change my mind after I buy LIC Jeevan Arogya?

LIC knows that buying health insurance is a big choice. They want you to be happy with what you pick. So with Jeevan Arogya, you get 15 days to look it over for free. This starts when you get your policy papers. During this time, you can read everything really carefully. If you decide it’s not right for you, just give it back to LIC and they’ll give you your money back. But they’ll keep a little bit for things like stamps, the first payment, and doctor visit costs, if you had any.

Do I have to pay for Jeevan Arogya all at once?

LIC Jeevan Arogya lets you pay in a way that works for you. You can pay every year, every 6 months, or every 3 months. If you like to pay more often, you can even pay every month using something called ECS. This way, you can choose how to pay based on your budget and when you have money coming in.

What if my family gets bigger? Can I add them to my Jeevan Arogya plan?

Life is full of happy surprises, and Jeevan Arogya makes sure your growing family stays safe. If you get married or have a new baby or adopt a child, you can easily add them to your plan. Just tell LIC within 6 months of when it happens. The new family members will be covered starting on your next plan anniversary after you add them. This way, everyone in your family can be under the same plan and have great health protection.

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