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Major Surgeries Covered by Jeevan Arogya Plan by LIC

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The biggest benefit that LIC’s Jeevan Arogya Plan has to offer is the availability of lump-sum payment if the individual registered under the plan undergoes an operation or surgery. Apart from securing difficult and unforeseen events financially, Jeevan Arogya Plan also offers coverage against certain specific illnesses and disorders.

What Does LIC Jeevan Arogya Plan Offer?

There are multiple elements offered by LIC Jeevan Arogya Plan. Some of them are:

  • Financial security in case of surgeries, hospitalisations, and operations
  • Increase in the quantum of the health plan every consecutive year
  • A lump-sum payment regardless of what the actual medical costs are
  • Multiple premium payment modes and options
  • Benefit limit offered is flexible
  • No claim benefit

The Benefits Offered are:

  • Hospital Cash Benefit (HCB)
  • Day Care Procedure Benefit
  • Major Surgical Benefit (MSB)
  • Premium Waiver Benefit (PWB)
  • Ambulance Benefit
  • Other Benefits

Classification of Major Surgeries

The major surgeries benefit (MSB) feature offered by Jeevan Arogya Plan is highly rewarding with its benefits. The categories have been split into four parts and each part pays only a percentage of MSB:

Surgery Category MSB Percentage
Category 1 100%
Category 2 60%
Category 3 40%
Category 4 20%

Following are some of the major surgeries that are eligible for payout under LIC Jeevan Arogya Plan:

Serial Number Major Surgeries’ List Category Percentage
1 Major Surgery of Aorta 1 100%
2 Heart Valve Replacement (By Means of Mechanical Prosthesis) 1 100%
3 Aortic root transplantation with coronary artery reimplantation for proximal aortic aneurysm 1 100%
4 Heart-lung or Heart Transplantation 1 100%
5 Pericardiectomy or Pericardiotomy 2 60%
6 Repair of Mitral Valve 2 60%
7 Permanent Pacemaker Implantation in the Heart (Initial Procedure) 2 60%
8 Repair of Aortic Valve 2 60%
9 Repair of Tricuspid Valve 2 60%
10 Repair of Pulmonary Valve 2 60%
11 Coronary Angioplasty Along with Stent Implantation 3 40%
12 Repair of Veins without the Grafting Procedure for Lesions that May or May Not be Traumatic 3 40%
13 Transplant of Bone Marrow 1 100%
14 Splenectomy 2 60%
15 Lymphoedema grafting 2 60%
16 Cerebral Arterio Repair (Aneurysms and Venous Malformations) 1 100%
17 Pineal Gland Excision 1 100%
18 Malignant Tumours’ Craniotomy 1 100%
19 Pituitary Gland Excision 1 100%
20 Non-Malignant Tumours’ Craniotomy 2 60%
21 Surgeries Performed on the Subarachnoid Portion of the Brain 2 60%
22 Cranial Nerve Intracranial Transection 2 60%
23 Surgeries Performed on the Brain’s Meninges 2 60%
24 Nervectomy 2 60%
25 Craniotomy for Drainage of Extradural, subdural or intracerebral space 3 40%
26 Decompression Operation for Entrapment Syndrome 3 40%
27 Bilateral or Unilateral Sympathectomy 3 40%
28 Peripheral Nerve Graft 3 40%
29 Facial Nerve Paralysis - Free Fascia Graft 3 40%
30 Deep Seated Peripheral Nerve Tumour Excision 3 40%
31 Digital Nerve Repair by Multiple Microsurgeries 3 40%
32 Bur-hole Drainage of Extradural, subdural or intracerebral 4 20%

Apart from the major surgeries mentioned in the table above, Jeevan Arogya Plan also offers benefits for many respiratory diseases such as lung transplantation, thoracoplasty, open lobectomy of the lung, laryngectomy, and so on. The categories and percentage of sum assured, however, will vary for each of these major surgeries.

Major Surgeries Covered by Jeevan Arogya Plan by LIC Reviews

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  • Kotak Life Life Insurance
    "Excellent"
    0.5 4.5/5 "Excellent!"
    I am a employee of Kotak Life and have taken one policy for saving also company has provided me a policy. It is a long term policies. The tenure period is 15 years. I pay the premium of 18K yearly through online or sometimes cash. The online app is good and the transactions are done immediately.
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    , bangalore
    Reviewed on Jan 23, 2019
  • Birla Sun Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with birla life, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
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    , hyderabad
    Reviewed on Jan 23, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my life insurance with HDFC LIFE from long time, and I itself have applied for this insurance is i have knowledge regarding this,and there premium amount they have given me was nominal ,i use to pay up to 3500 as an premium on yearly basis,and there is no hidden charged , and i pay premium through on line.
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    , jaipur
    Reviewed on Jan 23, 2019
  • ICICI Prudential Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my life insurance with ICICI prudential ,i took this insurance long bank , and i was agent and previously i was Ex -employee for them ,so i have knowledge about the insurance which insurance will be best ,and i pay premium on yearly basis, i use to pay through on line mode.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good "
    0.5 4.5/5 "Excellent!"
    I have one LIC policy and its a term plan which was taken in the year of 2000 through an agent. I am happy with the service and the benefits are good. Am paying the premium of 25K per year through online. The sum assured value is 5L and I need to pay the premium till 2020.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Not satisfied"
    0.5 3.0/5 "Satisfactory"
    I am having LIC policies and am using the service for more than 10 years. I only visit the branch and never contact the customer care center. I think its a money back policy and need to pay only once. I have paid the premium of 45K for 3 years through cheque. The benefits are below average.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My life is insured with LIC from last 12 years and it is a money back policy. I get money back after every 5 years in this policy. I pay my premium once in 6 months and i am convenient with the payment options. Tenure period for this policy is after 30 years.
    Was this review helpful? 0
    , surat
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a life insurance policy with LIC from last 15 years and it is a long term policy. My premium amount is auto debited from the salary account for this policy. I am happy with the returns and benefits of this policy. This policy will get matured at 2028.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a life insurance policy with LIC from last 8 years and it is a money back policy. I get money back after every 5 years and this policy is for 20 years. I pay my premium on annual basis through online and i get good returns after maturity period.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I have taken Jeevan bheema from Lic as its been Government institution , so the assurance is there regarding the policy benefits , I used to get income tax benefits I make the payments through auto debit option overall am pretty much satisfied with the service and response. .
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I took this Life insurance Money back policy from Lic insurance company mainly because of the good returns, its long tenure period of 20 years , the payment can be done through only payments Quarterly . The best about the policy is claim rate is high compared to other policy available in the market. There customer service and customer response is good .
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I took life insurance jeevan saral policy from life corporation of India . I already paid for few years . As the policy coverage of good sum assures amount , which was my first policy at my initial stage . It has good benefits like accidental coverage and critical illness coverage . The tenure period is 25 years . Overall am satisfied with my policy
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I took this life insurance jeevan anand policy from Lic insurance company mainly because of the good returns. The tenure period is 20 where i already made the payment for first 2 yeairs . Am doing my payment yearly through online banking this policy covers accidental benefits and critical illness .
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with Life insurance corporation of India, there service is good, the agent had explain me about the policy coverage,and about plan benefits clearly, and the premium amount they have charged me on yearly basis, and they have charged me up to 3000 it is nominal , and premium amount i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • Birla Sun Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with Aditya birla , there service is they provide me was excellent, till now i have not face any issue in that, there premium amount they have charged me in monthly basis,they have charged me up to 6200, and it is nominal to me , the agent had explain me about the policy coverage and plan benefit properly,i use to pay on on line mode. overall service is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    I have purchased my money back policy long bank and twice i have received the cash in my account without giving any request and I'm quite happy about the received sum assured amount. I pay the premium amount of Rs. 600 every month. I make the premium through online.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    Bought my life insurance policy from LIC. I have chosen the plan called Jeevan Anand. This is the tax benefits policy. I pay the premium amount of Rs. 1000 every month with the tenure period of 2.5 lakhs. This is a 15 years tenure period policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    I have bought the life insurance policy in the year of 2011. My agent has suggested me about this policy. I have been paying the premium amount of Rs.10300 through ECS. I have chosen the mode of annually. Overall, I'm satisfied with the LIC policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    Purchased my money back from LIC. I have selected the LIC company for my policy its because of the better option. They are providing various payment mode facilities. I'm satisfied with the sum assured amount and LIC customer care service is really fine.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 22, 2019
  • Kotak Life Life Insurance
    "Good Insurance Policy"
    0.5 4.0/5 "Great!"
    I have purchased a accidental covered policy from Kotak Mahindra bank. Kotak gives more online services and the app is really good. I have got this policy 5 months back. I made a premium amount of Rs. 1200 and this policy covers only for me. I have not claimed anything in this policy so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
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