We have already reviewed LIC’s Jeevan Arogya & Health Protection Plus. Let’s compare both the above plans based on the features.
S.No. | Health Insurance | Jeevan Arogya | Health Protection Plus |
1. | Insured Members | Parents & In laws (Parents) can also be included | Only Spouse & Children are eligible |
2. | Domiciliary Treatment | Not Available | Available |
3. | Waiting period for Hospital Cash benefit | Only 24 Hours HCB excludes first 24 hours. But if hospitalization is more than 7 days then first 24 hours is also included |
48 hours HCB excludes first 48 hours |
4. |
Hospital Cash Benefit
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|
|
5. | No Claim Benefit | For every three claim free years Daily Cash Benefit will be increased by 5% |
Not Available |
6. |
Major Surgical Benefit
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|
|
7. | Age of Coverage available till |
80 years | 75 years |
8. | Minimum Hospital Cash Benefits | Rs. 1000/- | Rs. 250/- |
9. | Maximum Hospital Cash Benefits | Rs. 4000/- | Rs. 2500/- |
10. | Surgical Benefits | 35 years | 65 years |
11. | Premium | Can change every 3 years | Uniform Premium |
12. | Premium ceasing age | Almost all | Only Listed |
13. | Day Care Procedure Benefit | Available | Not Available |
14. | Other Surgical Benefit | Available | Not Available |
15. | Term Assurance & Accident Benefit | Available | Not Available |
16. | Ambulance Benefit | Available | Not Available |
17. | Premium Waiver Benefit | Available | Not Available |