Benefits Under Jeevan Arogya | Plan no 903

Hospital Cash Benefit (HCB)

1. HCB (Within India only) is payable on per day basis. Double the cash benefit for ICU.
2. Max 30 days hospitalization & not more than 15 days in ICU (2 times HCB) for 1st policy year for each one
3. Max 90 days and incl not more than 45 days in ICU in the 2nd year onwards for each insured
4. Limited to a max of 720 days (incl of 360 days for ICU) during entire policy term for each insured
5. HCB to increase 5% till it reaches 1.5 times And arithmetic addition of an amount equal to “No Claim Benefit”
6. Stay in Hospital exceeds a continuous period of 24 yrs or part thereof thereafter. Stay more than 7 days even for 1s 24 hours also payable.

Major Surgical Benefit(MSB)

1. Quick Cash facility: 50% of eligible MSB amount subject to approval from TPA in select Hospitals
2. MSB shall be a percentage of Sum Assured and is payable regardless of actual costs incurred
3. Rs. 1000/- towards Ambulance expenses
4. Premium Waiver benefit for next one year
5. Surgery within India.

Day Care Procedure Benefit (DCPB)

1. If a DCPB is performed, no HCB shall be paid
2. DCPB is payable as one lump sum and proof of surgery is required
3. All surgical procedures should be done by a Physician or Surgeon, to the satisfaction of the Corporation
4. No transfer of left over benefit to other insured
5. Surgery within India

Other Surgical Benefit (OSB)

1. OSB is payable as daily benefit
2. Proof of surgery done by a Physician or Surgeon, is subject to the satisfaction of the Corporation
3. No transfer of left over benefit to other insured
4. Surgery required but not listed under MSB or DCPB