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LIC Health Plus plan – Better than any Mediclaim policy

LIC Health Plus insurance plan is essentially a Unit Linked plan and has convenience of covering the entire family (Husband, wife and children) under one Insurance plan. Along with the full family cover option this plan provides Hospital cash benefit (HCB), Major Surgical Benefit (MSB) and option of choosing the funds in which one wishes to invest in which is specifically designed to meet the Domiciliary treatment benefit (DTB) related expenses for the insured members, virtually giving you all the benefits, if not more than that a dedicated Mediclaim policy would give.

The minimum age of the principal insured person (say husband) in this plan is 18 years, the spouse age is 18 years and the child’s age is 3 months.

The Maximum entry age into the policy is 55 years for the Principal insured and his spouse and 17 years for their children.

In this policy the Principal Insured should choose the levels of HCB for each of his family members (or for the members who he wishes to bring under the plan, only from his family that is) under the policy cover.

The Sum assured for Major Surgical Benefit (MSB) will be 200 times the HCB applicable to each insured person.

Premium can be paid yearly, half years and monthly. Monthly premiums can only be paid through ECS mode.

The minimum premium payment condition is as follows:

If the principal insured wishes to cover only a single life, then the minimum annual premium will be 6 times the HCB of the principal insured or Rs.5000, whichever is higher.

If the principal insured wishes to cover 2 lives, then the minimum annual premium payable will be Sum of 6 times the HCB of principal assured and 3 times the HCB of the second insured person or Rs.7500, whichever is higher.

If the principal insured choose to insure 3 or more lives, the minimum annual premium payable will be 6 times the HCB or Principal Assured and 3 times the HCB of each of the other insured or Rs.10000, whichever is higher.

The policy term is up to that time when the Principal insured turns 65 years of age (age calculated by neared birthday method).

The MSB and HCB cover stops when the Principal assured and Spouse insured reaches 65 years and child reaches 25 years.

The premium money in this plan will be invested in Health plus fund which invests not less than 50% in Government/ Government guaranteed/ Corporate securities/Debt markets, not more than 90% in short term investments in money markets and not more than 50% but not less than 10% in Equity shares with the overall risk profile being low.

Note that there will not be any death cover in this plan but the fund value or premium paid till date may be reimbursed depending on the number of insured and number of deaths (whether the Principal assured is dead or the secondary persons or all of them).

Major surgeries like surgery to Aorta, CABG, Valve replacement, Pericardectomy, Open chest surgery, Surgery to remove cerebral tumours, Intra cranial operations, excision of pineal, Pituitary glands, Lung transplant, Heart transplant, Pneumonectomy, Excision of oesophagus and stomach, Renal transplant will receive 100% of the Sum Assured amount. Apart from these there are various other critical illness conditions which enable the insured to get a part of the Sum Assured amount depending on the illness.

To know the complete list of illnesses and other conditions, you may visit the lic site and download the Brochure of LIC Health Plus plan.

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80 comments

  1. I want to take one policy of mediclaim for my brother. His DOB is 21.1 1972.please guide.How much premium to be paid and the bene5of the policy.
    Thanks

  2. I want to take cashless mediclaim policy approx Rs. 6000/- per annum for me, wife, one daughter. Suggest which type of policy is suitable for me.

  3. I want to take cashless mediclaim policy approx Rs. 6000/- per annum for me, wife, one daughter. Suggest which type of policy is suitable for me.

  4. My birth 1974

  5. We would like to take Group mediclaim policy for our company staff members. So please contact us for require information & give us how much premium will be & all benefits.

    Thanks.

  6. Hi i want to get medical policy by LIC please contact me.

  7. I want to know about family Mediclaim Policy up to Rs. 5.00 Lakh for my wife DOB is 13/01/1967 and my son his DOB is 26/03/1993. I want to know how much premium have to pay for the best family Mediclaim plan.

  8. I want to purchase family mediclaim policy for up to sum insured of 4 lakhs.
    My D.O.B is 1971, Wife 79, Daughter 98, Son 00′, Daughter 01.
    Is it income tax deduction under section 80D?
    Thank you.

    • LIC Health Plus plan is currently withdrawn. At present, you have LIC Health Protection Plus, the premium paid for which is eligible for tax deduction under section 80D.

  9. I want to take a mediclaim policy cover amount approx 2 lakh my age 37 years. Wife’s age 34 years, children 7 & 2 years. Give details about premium.

  10. I want to take a mediclim policy cover amount approx 2 lakh my age 35 years.

  11. Please send me the details of all the lic mediclaim policies.

  12. I would like to purchase a mediclaim policy up to 4 lac
    my age-31years
    wife-26years

    father-59years
    mother-51years

  13. Pls tell me the best mediclaim policy for me (age30) my wife (28) and two children (3+2).

  14. Family mediclaim … Rs.5000 annual
    2 adult and 2 children. Tell me the best plan if available.

  15. Tell me the best mediclaim policy for me age 35 and my wife and mother and brothers.

  16. I want to remove family floater plan 2 Adult 2 kids my age is 21/4/1977 For 5 Lac. How much premium i have pay yearly….thank you.

  17. I want mediclaim policy for myself & for my wife. My dob is 1956 my wife dob is 1958. pl suggest me policy for Rs. 500000.

  18. Raghunath Prasad Saini

    I want to take a mediclaim policy for upt0 8 lacs
    my dob 1-6-1966
    wife 03-07-1968
    daughter 26-10-1989
    daughter 05-08-1992
    daughter 20-05-1996
    I want to know how much premium have to pay for the best family mediclaim plan. Plz give me a lic agent number to get more information.

  19. please give med claim policy details to me

  20. i want a medical policy.
    a hip replacement is done by Dr of AIIMS New Delhi, on dec 2006, both hip
    please advise me for a best policy .
    cover almost 10-15 lac

  21. Please advice us to start medical claim policy for my father( 62) and mother(58)

  22. Nitin Prabhakar Mahadik

    I want draw mediclaim policy with myself, my father, & my mother
    my age 30 years
    my father age 62 years
    my mother age 61 years
    kindly advise me. which policy applicable for me?

  23. I want to take an cashless mediclaim for my family of 3lacs and want to know the amount of the premium monthly

  24. I need your help to get full details about LIC mediclaim and Health Plans for my family.
    My DOB : 21-06-1972, My wife’s : 12-08-1977, and my sweet Heart Son’s : 04-08-2010.

  25. I would like to take medical policy for my spouse only age 46.Pl.advice which policy I should go for.

  26. I have a apollo munich policy still i am not using we need a lic mediclaim policy
    visvanathan-42
    Rajeswari-34
    Bathrinarayanan-14
    Srinithi-5
    how much i pay for mediclaim policy?

  27. I would like to purchase a mediclaim policy up to 4 lac
    my age-37years
    wife- 33years
    daughter-06month
    father-58years
    mother-56years

  28. i am 52 and would like to take a mediclaim policy . can i go for a policy without going for a check up. I already have a policy with bajaj allianz i have not gone for any claim up till now

  29. My father age is 54 and he is a diabetics patient.
    I need a mediclaim insurance coverage for him.
    Please suggest me if there any good plans.

  30. i want to take the family mediclaim. my age 36 year and my wife is of 26 years, my son age is 6 years, my Daughter age is 5 years, my daughter age is 3 years, so please tell me for all my family mediclaim policy , and tell me how much i have to pay every month.

  31. Arunkumar R.Lokhande

    Please suggest health policy for myself, spouse,and two daughters.
    Age 52,46,23,and18 respectively. in one policy or its alternative for minimum premium.

  32. my spouse’s age is 49 , myself is 41 and my kids age are 22, 20 . tell me the best mediclaim policy and its premium i have to pay and the benefits

  33. I want to take cash less mediclaim policy from lic or any other govt under taking insurance companies. please suggest which will be better from the service providing and financially.
    My dob-2.5.1975 Wife and Two Children- AGES 28, 7 AND 4.

  34. I want to take a family mediclaim policy up to 2 lakhs.
    i want to know how much premium have to pay.
    pls give me a lic agent no to get more information
    Pls send me the details.
    my Age 33
    Wife 30
    Son 02

  35. Bappaditya Chakraborty

    I want to take my family under LIC oriented mediclaim policy for up to sum inssured 1 lacs
    My d.o.b – 22.07.1979
    My wife d.o.b – 01.05.1982
    My daughter’ d.o.b – 17.05.2007

  36. Bappaditya Chakraborty

    I want to take my family under LIC oriented mediclaim policy for up to sum insured 1 lacs

  37. I want to take cash less mediclaim policy from lic or any other govt under taking insurance companies. please suggest which will be better from the service providing and financially.
    My dob-19-07-69
    Wife and Two Children- AGES 37, 14 AND 9.

  38. Sir,
    I need good family mediclaim Policy
    My dob-03-05-73
    WIFE AND TWO CHILDREN- AGES 29, 4 AND 2. KINDLY HELP US A SUITABLE POLICY DETAILS

  39. I want to take family LIC & Other mediclaim policy for up to sum inssured 1 lacs
    My D.O.B is 22.06.1976
    Wife 23.03.1977
    Son 05.08.2010
    I want to know how much premium have to pay..

  40. avneesh vasistha

    Sir,
    Please tell me which is best medical policy at the age of 29 yrs.
    Which cover mostly all illnesses.

  41. mahender kaushik

    family husband, wife, 3 month children

  42. Nikhil Raj Gupta

    Dear Sir/ Mam,
    Hello
    I want a mediclaim policy for my wife. Her Age is 26.
    Kindly give the best mediclaim policies.
    Thanks

  43. dear sir/ madam,

    i want to take the family mediclaim. my father’s age 53 years, mother’s age 47, and my age 24 year and my elder brother is of 25. so what are the policies in family mediclaim. and Is possible to make the family mediclaim of all we four?

  44. Dear Concern,

    I would like to take medical policy for my parents (father-58, mother-50) up to 2.5 laks.

    so please i want to know how much premium have to pay
    plz give me a lic agent no to get more information

  45. Hello Sir/Madam,
    I want get some Detail information for mediclaim policy LIC Or Other company
    We Are small family my mother(61)My self(26) How to get me more benefit and suitable policy, Please give me mediclaim information
    regard,
    nilesh patel
    9321474481

  46. I want to mediclaim policy for my father (60) & mother (51)

  47. dear sir/ madam,

    i want to take the family mediclaim. my father’s age 58 years, mother’s age 48, and my age 23 year. so what are the policies in family mediclaim. and Is possible to make the family mediclaim?

  48. I WANT TO CASH LESS MEDICLAME LIC FAMILY POLICY MY AGE 40, SPAUSE 37, SON 16, DAUGHTER 10.

  49. my son has jeevanshree 252414202. suggest mediclaim cashless mob9810566358

  50. want to take a family mediclaim policy up to 1 lakhs.
    pls send me the details.
    my age 34
    Wife 30
    Son 09
    Son 04
    Father 62

  51. my father age is 60 he is suffering from sugar problem which is good mediclaim police

  52. I want to take a family mediclaim policy up to 2 lakhs.
    pls send me the details.
    my age 48
    Wife 43
    Daughter 15
    Son 12

  53. my age 30 years and my spouse age 25 my child age 1 years best policy

  54. shivaditya tripathi

    my age 42 yrs, my spouse 36 yrs and my only son 2 yrs and my mother 65 yrs. I want to take cash less mediclaim policy for my family from lic or any GIC
    Please suggest.

    Regards,

    shivaditya tripathi

    • Shivaditya Sir,as per your rquirment i suggest you go to go “INDUS” SAHYADRI HOSPITAL PREVENTIVE HEALTH CHECK UP PLAN.
      I am also advisor of Life Insurance Corporation Of India & “INDUS” PREVENTIVE HEALTH CHECK UP,if you are interested please call i send my sell no:-9922560399 for full details thank you.

  55. Please suggest me a best mediclaim plan to cover me & spouse (both are 50 years of age at present), which has maximum cover of around 3 lacs.

  56. I need good mediclaim policy
    my age 38
    wife 29
    two daughter 7 and 3

    • dear nandha kumar sir i would like you to suggest a best for health insurance that is none other then ICICI LOMBARD FAMILY PROTECT PREMIER PLAN if you are interested then piz mail at my mail id harikrishna729 at gmail.com

  57. Hi need a clarification on if I choose this insurance then I would get claim on hospitalisation and If I or my family members do not get hospitalised then will I get a lumpsum amount with some Intrest added to it as profit to me.

  58. sir,
    in my family 5 members,mother 75,me,wife and two childrens i want totake family mediclaim health insurance please advise me.claim more then 5 lakhs for single member.

  59. santosh kumar sahoo

    I want to take cash less mediclaim policy from lic/oriental/new india/GIC

    Please suggest.

    Regards,

  60. santosh kumar sahoo

    I want to take cash less mediclaim policy from lic or any other govt under taking insurance companies. please suggest which will be better from the service providing and financially.

    Regards,

  61. Dr.Harshad Prajapati

    i want lic mediclam for family.

  62. I have taken a LIC Mediclaim Policy
    plz tell me about it

  63. Ranjeet Singh Shekhawat

    Hello

    Iwant to take a lic mediclaim policy
    Ihave two daughters one son and my wife
    kindly please advise and i want a single premium policie
    Thanks
    Ranjeet
    Mob. no. 9509989064

  64. PRASANNAKUMARAN

    I have taken a LIC Mediclaim Policy on 31.03.2009. Till date I have not received the original documents. When I enquired with the concerned officer he told me that the documents are sent by speed post. I also enquired in the Post Office they told me that they have not received the document. Please help me how can I get the original documents. Please reply to my email address provided above.

  65. Hello Sir/Maddam,

    I want get some Detail information of madiclam FOR LIC and Other,
    We Are small family my father(65),mother(55)My self(36) and my elder brother(30) How to get me more benifit and sutable policy, Please give me madiclam information

    Thanks and regard,

    Suresh
    (9879828592)

  66. i want to take a mediclim policy for upt0 2lacs
    my dob 1-6-80
    husband 5-1-78
    daughter 11-1-2006
    daughter 21-12-2009
    i want to know how much premium have to pay
    plz give me a lic agent no to get more information

  67. suresh kumar gupta

    I want to be purchased family mediclaim policy for up to sum inssured 4 lacs
    my D.O.B is 25.06.1965
    Wife 13.10.1960
    Son (1) 11.04.1993
    Son (2) 25.05.1994

  68. manoj shrivastava

    dear sir

    i want to make an insurance of my father & matother mediclaiam policy
    but i want singal priemum policy. father age 62 mother 58 pl.sugest me

    thanking you

  69. if we want invest 20000 for one time and go for 5 year so plesae sujes whwt we do now ?

  70. Sir,
    I have HOCM as a Pre existing disease in my Heart.Is LIC Cover my Heath under LIC Mediclaim.

  71. pls give contact details

  72. If you’re only looking for maternal benefits (or mainly), the Apollo DKV health plans are best suited.

  73. Does LIC offer maternal benefits?
    Send reply to my email ID provided.

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