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Jan Arogya Bima Policy

This is a medical insurance policy offered by New India Assurance Co.Ltd to those who are economically backward. The insured can receive an amount of Rs.5,000 and claim tax benefits of up to Rs.10,000 under Section 80D of the Income Tax Act,1961.
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Fees & Charges

Promised Interest Rate

Plan Benefits

Payment Options

Policy Coverage

Customer Service

Responsiveness

The Jan Arogya Bima Policy, offered by the New India Assurance Co.Ltd, is aimed at providing medical insurance to economically backward sections of society. It is important to note that premium up to Rs.10,000 can be claimed as tax benefit under Section 80D of the Income Tax Act. The sum insured is Rs.5000 per individual under this policy. The Jan Arogya Bima Policy is available to family members as well as individuals. The minimum eligibility age is 5 years while the maximum age is 70 years. Under the Jan Arogya Bima Policy, there is no facility of medical checkups. Also, the benefit of cumulative bonus is not offered under this policy.

Features of Jan Arogya Bima Policy

The salient features of Jan Arogya Bima Policy are listed below:

  • Sum Assured:The sum insured is Rs.5000 per individual
  • Duration: The Jan Arogya Bima Policy is offered for a period of one year
  • Claim settlement: The insurance provider will settle the claims under thirty days of the receipt of the necessary documents. The insurer will transfer the funds within 7 days of acceptance of claim
  • Grievance redressal: The insured can contact grievance cells at Office of the Insurance Ombudsman for redressal of any grievance
  • Free look period: The Jan Arogya Bima Policy has a free look period of 15 days
  • Cancellation: This policy may be cancelled by a giving a 30-day notice period to the insured. The insured too can cancel the life insurance policy at any time, following which, his premium will be refunded (short period rates), provided no claim has been made up to the cancellation period

Exclusions Under the Jan Arogya Bima Policy

Various exclusions (non-medical) under the Jan Arogya Bima Policy are listed below:

  1. Baby set
  2. Baby bottles
  3. Hand wash
  4. Beauty services
  5. Hair removal cream
  6. Buds
  7. Caps
  8. Brush
  9. Belts
  10. Carry bags
  11. Baby food
  12. Comb
  13. Eye pad
  14. Leggings
  15. Cradle charges
  16. Cold pack
  17. Foot cover
  18. Eye shield
  19. Bed pan
  20. Tooth brush
  21. Mineral water
  22. Slippers
  23. Sanitary pads
  24. Tissue paper
  25. Telephone charges
  26. Curapore
  27. Gause soft
  28. Infant food
  29. Cliniplast
  30. Camera cover
  31. DVD charges
  32. Hansaplast
  33. Flexi mask
  34. Slings
  35. Eyelet collar
  36. Hand holder
  37. Weight control services
  38. Hormone replacement therapy
  39. Hearing aids
  40. Sexually transmitted diseases
  41. Dental treatment
  42. Stem cell implantation
  43. Refractive error
  44. HIV/AIDS

Various services which are payable under OT charges are listed below:

  1. Arthroscopy
  2. Endoscopy
  3. Surgical drill
  4. Theatre booking
  5. Microscope cover
  6. Ward booking
  7. Eye drape
  8. Sputum cup
  9. Harmonic scalpel
  10. Blade
  11. Boyles apparatus
  12. X-ray film
  13. Cotton bandage
  14. Urine container
  15. Torniquet
  16. Sterile injections
  17. Micropore
  18. Antiseptic lotions

Various administrative charges not payable are listed below:

  1. Conveyance charges
  2. Admission kit
  3. Daily chart charges
  4. File opening charges
  5. Diabetic chart changes
  6. Incidental expenses
  7. Washing charges
  8. Photocopying charges
  9. Documentation charges
  10. Medicine box
  11. Patient identification band
  12. Discharge procedure charges
  13. Courier charges
  14. Medico-legal case charges
  15. Medical records
  16. Mortuary charges

The durable devices not payable under this policy are listed below:

  1. Thermometer
  2. Bipap machine
  3. Spacer
  4. Steam inhaler
  5. Diabetic footwear
  6. Infusion pump
  7. Commode
  8. Splint
  9. Spirometre
  10. Nebulizer kit
  11. CPAP equipments
  12. Armsling
  13. Knee braces
  14. Lumbosacral belt
  15. Oxygen cylinder
  16. Cervical collar
  17. Ambulance collar
  18. Microshield
  19. Abdominal binder
  20. Ambulance equipment

The items payable by a prescription are listed below:

  1. Digestion gels
  2. Mouth paint
  3. Novarapid
  4. Zytee gel
  5. Volini gel
  6. Lozenges
  7. ECG electrodes 

Jan Arogya Bima Policy Reviews

Page 1 of 50 1 2 3 4 5
  • LIC Life Insurance
    "Excellent policy"
    0.5 5.0/5 "Blown Away!"
    I have a life plan called money back and child education scheme in LIC. I would say LIC is very good and more than others. The customer service is good. They are returning some amount based on the sum assured after 4 years. I pay the premium through online.
    Was this review helpful? 0
    , faridabad
    Reviewed on Feb 21, 2019
  • LIC Life Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have taken LIC policy is for the tenure of 20 yrs .It is a Maturity benefit policy,agent clearly explained about the process .Not yet faced any issues on submitting the documents.I have received the policy documents on time.The service was good and till now not faced any issues.The Premium is very less.The Overall service is good .
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 21, 2019
  • LIC Life Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have taken LIC policy is for the tenure of 20 yrs .It is a money back policy,agent clearly explained about the process .Not yet faced any issues on submitting the documents.I have received the policy documents on time.The service was good and till now not faced any issues.The Premium is very less.The Overall service is good .
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 21, 2019
  • LIC Life Insurance
    "Very Good insurance policy"
    0.5 4.0/5 "Great!"
    LIC is very good company for my life insurance policies. I have bought my life insurance policy 2 years back. I pay the premium amount of Rs. 18000. My friend has recommended me about this policy. I will get sum assured amount of Rs. 3 lakhs. I used to make the premium in their branches. This is tax benefit policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 21, 2019
  • LIC Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have purchased Endowment policy of my life insurance with LIFE INSURANCE CORPORATION OF INDIA for long years.I have been paying my premium on yearly basis. I have paid my premium based up on my convenience like by on line or my off line.There is no hidden charges .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have take my life insurance traditional policy from Life insurance corporation of India. the policy cover with all benefits like illness coverage, i use to pay my premium based on my convenience like it not fixed i can pay through on line or off line etc, i am happy with the benefit they have provide me i use to pay premium in quarterly bases .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "Better policy"
    0.5 5.0/5 "Blown Away!"
    My life insurance policy was purchase from Life insurance Corporation of India. Since its comes under central Government, i have bought the policy from LIC. I selected the plan of Money back. I have been paying the premium amount of Rs. 5000 every month.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "One of the best policy in the industry"
    0.5 5.0/5 "Blown Away!"
    Purchased my life insurance policy from Life insurance corporation of India. My plan was Jeevan Anand. Since i was working as a LIC agent, i have selected their company. This is one of the best policy in LIC. I pay the premium amount of Rs. 25000 every year. I have selected the tenure period of 21 years. Total sum assured amount is 5 lakhs.
    Was this review helpful? 0
    , thane
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "LIC is a brand name in life insurance"
    0.5 5.0/5 "Blown Away!"
    I have bought my life insurance policy from LIC. My plan was a endowment plan. 15 years back, i have bought the policy. I pay the premium amount of Rs. 1 lakh per annum for my all 9 endowment plan. I will get a sum assured amount of Rs. 16 years. Total tenure period of the policy is 30 years. I'm satisfied with the LIC services.
    Was this review helpful? 0
    , thane
    Reviewed on Feb 20, 2019
  • SBI Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have took my life insurance from SBI LIFE, their service is good, and they have charged me nominal premium, as a premium and they premium mode is convenience like i can do payment through on line or off line mostly i do payment through credit card and their customer support team is good they have explained every policy related to this insurance.till now experience with them was good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a life insurance policy with LIC from last 13 years and it is a money back policy. I pay my premium once in a year and i am convenient with the payment options. I get money back on this policy after every 4 years and i get good returns.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "GOOD POLICY"
    0.5 5.0/5 "Blown Away!"
    I have purchased the JEEVAN ANAND policy with the LIFE INSURANCE CORPORATION OF INDIA, it gives the policy coverage for family, using it since from last 5 years. The maturity is for 25 years also the premium i am paying yearly once through offline. It gives the life coverage also the accidental benefits.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 20, 2019
  • Tata AIA Life Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    It has coverage of 20L in accidental death and partial similarity 10L and if I go for tele based charges are really good. I took this plan before 2 years ago and the benefits are good. I never tried the customer service. I have paid the premium of 6K yearly through ECS.
    Was this review helpful? 0
    , kolkata
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "Fantastic policy"
    0.5 5.0/5 "Blown Away!"
    I have problem with LIC payment options. They actually charge amount when we pay the premium through the credit cards. I have chosen LIC for the good services and the claim ratio. I pay the premium amount of Rs. 15K per annum. I have chosen the plan of Jeevan Anand.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "Policy is Good"
    0.5 5.0/5 "Blown Away!"
    Taken my life insurance policy 5 years ago from LIC. The plan was a Jeevan Anand. People asked me to take a policy from LIC because of the brand value. I pay the premium amount of Rs. 65000 per annum. This is tax benefit covered policy and I'm satisfied with the sum assured amount.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • LIC Life Insurance
    "Safe but return is less"
    0.5 3.0/5 "Satisfactory"
    I have 2 policies, one is life insurance and other is money back from LIC. Their return is very less when compared to other fields like mutual fund. The customer service is not good. I pay the premium online. I do payment quarterly 6K and other half yearly 8K. Both are long term policies 18 years and 16 years.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 19, 2019
  • LIC Life Insurance
    "Good benefits before and after maturity"
    0.5 4.0/5 "Great!"
    I have one policy with LIC, called Jeevan Anand specialty about the plan. This has two benefits one is maturity bonus and once the policy got matured again life cover will be implemented for 100 years. I make the premium of Rs. 2000 per month it has the term of 20 years.
    Was this review helpful? 0
    , noida
    Reviewed on Feb 19, 2019
  • SBI Life Life Insurance
    "Good for investment"
    0.5 5.0/5 "Blown Away!"
    I have bought my endowment plan from SBI LIFE. Since i like their branch and the plan benefits i have purchased the life insurance policy from them. I pay the premium amount of Rs. 50000 per year. I'm quite satisfied with the sum assured amount. This is tax benefits covered policy. Their customer care service is really good and it got connected easily.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 19, 2019
  • LIC Life Insurance
    "Excellent"
    0.5 4.5/5 "Excellent!"
    I have applied for Life Insurance with LIC for the tenure of 25yrs .It is a Maturity policy ,The premium is good ,policy documents received on time , I have selected monthly payment amt got debited on EMI basis , The overall service is good ,applied for this policy since agent came to office hence applied for this LIC policy have good benefits and the Overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 19, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I took 2 life insurance for myself and my wife from LIC before 3 years. The customer service is good. The tenure is 11 years for both policies. I am paying monthly 650 rupees for each through ECS. The benefits are average. The online app is good and easy to check the policy details.
    Was this review helpful? 1
    , chennai
    Reviewed on Feb 19, 2019
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