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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email:
Health Insurance Products Offered by Life Insurance Companies in India
(1) Introduction with Features of Life Insurance Companies   (2) Health Products Offered by Life Insurance Companies
1- Introduction with Features
COMPARISON of LIC Health Plus vs. Reliance Wealth + Health for a person age 32.
Is it unit linked Yes Yes
Yearly Premium – let us say he chooses Rs.15000 Rs.15000
HCB Rs.2500/day Rs.750/day
MSB benefit in a year 200 times HCB chosen Up to 180 times HCB chosen
Maximum Major Surgical Benefit in a year. Rs. 5 Lakh Rs. 4.5 Lakh
No of times MSB benefit can be availed during the entire policy term Can be availed three times Can be availed three times
Amount invested in units Rs. 9,000/- Rs. 5000/-
Waiting Period for HCB during first year. 180 days from the date of Ins. 90 days form the date of insurance
No. of hours/days not covered in hospital First 48 hours(Two days) First 48 hours(Two days)
Rebate in Income Tax Rs. 15000/- Rs. 15000/-
Pre existing Diseases Not covered Not covered
Maximum HCB annual benefit period in 1st year 18 days/ adding up to Rs.40,000/-(after deducting first 2 days) 18 days/ adding up to Rs. 12,000/-(after deducting first 2 days)
Maximum HCB annual benefit period in 3rd year 60 days/ Rs. 1,45,000/- 60 days/ Rs. 43,500/-
No. of HCB days during the policy term 365 180
Payment in I.C.U Twice of the H.C.B Twice of the H.C.B
Minimum and Maximum entry age 18-55 18-55
Overs 10 years amount invested in units Rs. 90,000/- Rs. 50,000/-
Riders No Yes
Investment fund Balanced 100% debt -100% equity
MSB It is included in the policy Insured should give the option if he wants this.
Products details covered in 8 pages 21 pages
Convenience in Difficult & complicated Difficult & complicated
understanding the product    
Limits imposed by LIC for various surgeries (% mentioned is % of HCB X 200).
List of Surgical Procedures Percent of the Sum Assured
Resection and Anastomosis of any part of digestive tract 60%
Open Surgery for treatment of Peptic Ulcer 60%
Total excision of oesophagus 60%
Total excision of stomach 60%
Excision of oesophagus and stomach 100%
Artificial opening into stomach 40%
Complete excision of adrenal glands 60%
Partial excision of adrenal glands 40%
Complete excision of Thyroid gland 60%
Partial excision of Thyroid gland 40%
Complete excision of Parathyroid gland 60%
Partial excision of Parathyroid gland 40%
Thymectomy 60%
Any eye surgery requiring corneal or retinal repair due to accident 40%
Partial Resection of Liver
Partial Pancreatectomy
Total Replacement of Hip or knee joint following accident
Amputation of Arm or hand or Foot or Leg due to trauma or accident
Major reconstruction oro-maxillafacial surgery due to trauma or burns and not for cosmetic purpose 60%
Renal transplant (recipient) 100%
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