LIC Health Insurance Plans – Complete Guide

भारतीय जीवन बीमा निगम (Life Insurance Corporation of India - LIC) भारत की सबसे बड़ी और विश्वसनीय बीमा कंपनी है। जीवन बीमा के साथ-साथ, LIC स्वास्थ्य बीमा योजनाएं (LIC Health Insurance Plans) भी प्रदान करती है जो परिवारों को चिकित्सा खर्चों से सुरक्षा देती हैं।

LIC Health Insurance Plans 2026

1. LIC's Jeevan Arogya (Plan 903)

LIC की प्रमुख स्वास्थ्य बीमा योजना:

• Type: Non-linked health insurance plan
• Age: 18-65 years entry
• Coverage Options:
  • Plan A: ₹1 lakh per hospitalization, ₹3 lakh annual limit
  • Plan B: ₹2 lakh per hospitalization, ₹6 lakh annual limit
  • Plan C: ₹3 lakh per hospitalization, ₹9 lakh annual limit
  • Plan D: ₹4 lakh per hospitalization, ₹12 lakh annual limit
  • Plan E: ₹5 lakh per hospitalization, ₹15 lakh annual limit
• Key Benefits:
  • Hospitalization benefit
  • Major surgical benefit
  • Daycare treatment cover
  • Pre and post hospitalization expenses
  • Health check-up benefit

2. LIC's Cancer Cover (Plan 905)

कैंसर के लिए विशेष सुरक्षा:

• Type: Cancer-specific health insurance
• Age: 20-65 years entry
• Sum Assured: ₹10 lakh to ₹50 lakh
• Benefits:
  • Early Stage Cancer: 25% of Sum Assured
  • Major Stage Cancer: 100% of Sum Assured
  • Premium waiver on cancer diagnosis
  • Income benefit: 1% of SA per month for 10 years
• Premium: Very affordable compared to comprehensive plans

3. LIC's Arogya Rakshak (Plan 906)

नई स्वास्थ्य बीमा योजना:

• Type: Fixed benefit health plan
• Age: 18-65 years
• Coverage: ₹2 lakh to ₹10 lakh
• Benefits:
  • Hospitalization benefit
  • Surgical benefit
  • ICU benefit
  • AYUSH treatment covered

LIC vs Private Health Insurance

Feature	LIC Health Insurance	Private (Star/Care/HDFC)
Trust Factor	Government-backed, highest trust	Private companies
Cashless Network	Limited	10,000-14,000 hospitals
Coverage Type	Fixed benefit	Indemnity (actual expenses)
Room Rent	Fixed daily limit	No sub-limits in most plans
Claim Process	Reimbursement mainly	Cashless + Reimbursement
Premium	Moderate	Competitive

LIC Health Insurance Claim Process

Steps to Claim:

1. Hospitalization: Get admitted to any hospital
2. Intimation: Inform LIC about hospitalization
3. Treatment: Complete treatment and discharge
4. Documents: Collect all bills, reports, discharge summary
5. Claim Form: Fill LIC claim form
6. Submission: Submit to LIC branch or through agent
7. Processing: LIC verifies and processes claim
8. Payment: Amount credited to bank account

Documents Required:

• Claim form (Form 3816)
• Policy document
• Hospital bills (original)
• Discharge summary
• Investigation reports
• Doctor's prescription
• ID proof
• Cancelled cheque

LIC Customer Care & Contact

LIC संपर्क विवरण:

• Toll-Free: 1800-22-6400
• Email: dgm_chd@licindia.com
• Website: www.licindia.in
• LIC Customer Portal: customer.licindia.in

LIC Agent in Indore & Dhamnod

Sampurn Insurance Advisor इंदौर और धामनोद में LIC के authorized agent हैं:

• LIC Agent Code: Available on request
• MDRT Member: Top 1% insurance professionals globally
• Experience: 20+ years with LIC
• Services:
  • New policy guidance
  • Premium payment assistance
  • Claim support
  • Policy revival
  • Loan against policy
  • Nomination change

Should You Buy LIC Health Insurance?

LIC Health Insurance is Good For:

• ✅ Those who prefer government-backed insurance
• ✅ People who want fixed benefit plans
• ✅ Cancer-specific coverage needs
• ✅ Rural areas with limited cashless network access

Consider Private Health Insurance If:

• You need extensive cashless hospital network
• You prefer indemnity (actual expense) coverage
• You want no room rent sub-limits
• You need comprehensive family floater plans

Contact Sampurn Insurance for LIC & Health Insurance

हम LIC और प्राइवेट स्वास्थ्य बीमा दोनों प्रदान करते हैं:

• Phone: +91-9425051306
• Offices: Indore & Dhamnod
• Services: LIC, Star Health, Care Health, HDFC ERGO, New India Assurance