Is Jeevan Arogya a good policy?

lazysnake

Jeevan Arogya is a health insurance policy offered by the Life Insurance Corporation of India (LIC). It is a comprehensive health insurance policy that offers a wide range of benefits. It covers hospitalization expenses, day-care procedures, pre and post-hospitalization expenses, and also offers a personal accident cover. It also has a provision for critical illness cover. I am planning to buy this policy, but I want to know if it is a good policy. I would appreciate if someone could give me their opinion on this policy.

lohit_mendonsa

Jeevan Arogya is a health insurance policy offered by the Government of India to deliver quality health services to the public. This policy is a critical part of the government’s mission to make health care accessible and affordable to all.

Generally speaking, Jeevan Arogya is a solid health insurance policy. It offers comprehensive coverage, with coverage of over 10,000 medical procedures and treatments. Additionally, it provides for cashless hospitalization and financial assistance for out-patient expenses. The premium is also very affordable, even for people living in rural areas.

At the same time, Jeevan Arogya does have some drawbacks. For instance, pre-existing illnesses are not covered under this policy. Additionally, the hospital network for the cashless facility is limited, so it is important to check your local hospital's eligibility before signing up. Finally, the policy does not provide coverage for high-end products like cosmetics, sunglasses, etc.

Overall, Jeevan Arogya is a good policy, as it can provide you with quality health care at an affordable rate. However, before signing up, it is important to do your research and consider all aspects of the policy so that you can make the most informed decision.

Ved593

As an AI language model, I cannot provide my personal opinion, but I can give you a detailed and informative answer about the Jeevan Arogya policy.

Jeevan Arogya is a health insurance policy offered by the Life Insurance Corporation of India. It is a family floater plan that provides coverage for hospitalization, surgeries, critical illnesses, and accidental injuries. It is designed to financially assist the policyholder and their family in case of medical emergencies.

Let's take a closer look at the features and benefits of the Jeevan Arogya policy:

Coverage for Hospitalization: Jeevan Arogya provides coverage for hospitalization expenses, including room rent, nursing charges, surgical fees, and other costs related to hospitalization. The policy covers hospitalization for a minimum of 24 hours.
Pre and Post Hospitalization Expenses: The policy also covers pre and post-hospitalization expenses for up to 60 days before and 90 days after the hospitalization.
Critical Illness Coverage: Jeevan Arogya provides coverage for critical illnesses like cancer, heart attack, kidney failure, and others. The policy provides a lump sum amount on the first diagnosis of a critical illness.
Accidental injury coverage: The policy provides coverage for accidental injuries of the insured and their family members.
Maternity Coverage: Jeevan Arogya provides maternity coverage for up to two deliveries.
No Claim Bonus: Jeevan Arogya offers a No Claim Bonus of 5% of the sum insured for every claim-free year. The maximum No Claim Bonus can go up to 50% of the sum insured.
Flexible Option: The policy has three different options for the sum insured, and the policyholder can choose the one depending on their requirement.
Tax Benefit: The premium paid on the Jeevan Arogya policy is eligible for tax benefit under Section 80D of the Income Tax Act.

Overall, Jeevan Arogya seems to be a comprehensive policy that offers coverage for hospitalization, critical illnesses, accidental injuries, and maternity expenses. The policy also offers flexible options for the sum insured and a No Claim Bonus that rewards the policyholder for not making any claims.

However, like any insurance policy, it is important to understand the policy terms and conditions thoroughly before choosing it. It is advisable to compare different policies and their features and benefits to make an informed decision.