LIC Health Protection Plus

LIC has launched Health Protection Plus plan 902, a unique long-term health insurance plan that can combine health insurance covers for the entire family including husband, wife and the children.

Hospital Cash Benefit (HCB) and Major Surgical Benefit (MSB) along with a ULIP component (investment in the form of Units) that is specifically designed to meet Domiciliary Treatment Benefit (DTB) / Out Patient Department (OPD) expenses for the insured members.

Health Protection Plus Features:

Hospital Cash Benefit (HCB):
A daily benefit is payable in case the insured is hospitalized due to either accidental body injury or sickness. The quantum of benefit depends upon the level of cover opted.

Major Surgical Benefit (MSB):
In the event of the insured undergoing one of the major surgeries, a lump sum benefit (regardless of the actual costs incurred) equivalent to the percentage of the sum assured mentioned against that surgery will be payable on providing proper proof of surgery to the satisfaction of the LIC.

Domiciliary Treatment Benefit (DTB):
The Principal Insured can claim an amount equivalent to the actual expense he or she has incurred in respect of any domiciliary treatment or meet the medical expenses incurred over and above the hospital cash/major surgical benefits in respect of either oneself or the others insured under the policy.

Income Tax benefits under U/S 80D:
The premium payable under LIC Health Protection Plus is eligible for Section 80(D) benefit of Income Tax Act, 1961.

Eligibility Conditions and Restrictions:

Minimum age at policy entry: 18 years last birthday for spouse and principal insured, 3 months for child insured
Minimum age for HCB Cover: 18 years last birthday for spouse and principal insured, 3 months for child insured
Minimum age for MSB Cover: 18 years last birthday for principal, spouse, and child.
Maximum Entry Age: 55 years Nearest Birthday for spouse and principal insured, 17 years for child insured.
Loan Available: No
The assignment allowed: No

No surrender will be allowed.

Sum Assured:
The Principal Insured must first choose the respective levels of HCB for each member to be covered under the policy. The sum assured for major surgical benefits will be 200 times of the HCB you choose.

Modes of Premium Payment:
Monthly (ECS), half-yearly and yearly modes are available.

Premium Holidays:
If the policy lapses after at least 3 years’ premiums have been paid the Principal Insured has the option of either paying all the due premiums in full or avail of a premium holiday by just paying the latest installment premium without any interest.  The premium holidays can be availed only as long as the policy fund has a balance of at least one annualized premium at the time of revival.

Cooling off period:
If you are not satisfied with the Health Protection Plus policy, you may return the policy within 15 days.

Update: Health Protection Plus plan No.902 Has Been Discontinued.

The above is the product summary giving the key features of the plan. This is for illustrative purposes only. This does not represent a contract and for details please refer to your policy document.

52 thoughts on “LIC Health Protection Plus”

  1. Hi
    Please provide the information on the following;

    1. what amount we will get after maturity or after insurance coverage is over for Jeevan Arogya, no hospitalisation, no operation etc.
    2. I am 55 years old and I want to have good health care policy policy where my furture hospitalisation expenses will be covered upto the age of 75 years. Please advise. what will be the premium to pay yearly and if I am not hospitalised at all say for next 10years, what is the advantage for us from teh policy.

    kindly advise

  2. I have taken Health Protection plus mediclaim policy.

    I has hospitalized for 1 day due to some sickness,

    How can I claim the charges and how much can I claim?

    I am confused in this policy.

    THanks in advance.

  3. Krishna A deotale

    policy no. 971514090 Doc:28/12/2001 my policy ditials total Amount and balens premium and carnt depojt amount stetas give information plase give me.

  4. my father had a lic’s health plus plan Rs.100000/- for 16 year term & paying rs.7500/- premium per annuam, we have departmental hospital fecilities. If we wont use this policy benefits can we get back insured amount plus premium after completing 16 year plan term ?

  5. I am a policy holder for LIC health protection plus. I want to inquire that what is the premium paying term for the policy as I have already paid two premiums. What if in any point of time I require to withdraw my money is it possible. If yes what will be the charges for the same.
    Rinkul Sood

  6. Dear sir,

    I want to take a LIC health Protection policy. Please let me know What will be the best scheme for us and what is the minium annual premimum for myself(36years), my husband (41 years)and my kid ( 12 years) under this policy.

    2. Which are the diseases that covered under it.

    3. Please list down the name of the hospitals that are coming under this policy.

    Madhusmita Das

  7. nawale pradip bhagwan

    Dear sir,

    I want to know what is the minimum monthly for my self ,wife and one child in lic health insurance

    Thanks and best regards
    Pradip B Nawale.

  8. nawale pradip bhagwan

    1) For 1 lakh insurance Medical coverage for myself, wife & 1 child how much premium amount monthly to be pay

    2)I want to know what is the minimum monthly premium myself, wife & 1 child in lic health insurance.

  9. please give the copy of lic health protection plus form and annexure 1 , annexure 2, and annexure4 form

  10. lic.policy no. 355034347 lic health protation not my treatment paymend BP,operation,pathology,othercharge send all medical bill. and early send payment.

  11. Dear Sir,
    Can you please list down the names of the hospitals which are providing the LIC Health insurance policy.

  12. please give the copy of lic health protection plus form and annexure 1 , annexure 2, and annexure4 form

  13. I am told that in Health protection Plus Plan 802 Iam to pay premium till the age of 65 & thereafter till the age of 75 I and my wife will get available benefits and thereafter whatever will remain in my fund (fund value) will be returned to me. This information I couldnot get confirmed from any book/net.Kindly confirm me this infomation.

  14. I am told that in Health Protection Plus Plan (902) I am to pay premium upto the age of 65yrs. Thereafter I dont have to pay any premium but I & my wife will Continue to get the available benefits till the age of 75 and thereafter my fund value at that time ie at the age of 75/76 will also be returned to me. I have gone through various product details papers and also net but nowhere this part is clarified.Please confirm me this information.

  15. sir i am policy holder of health protection plus plan i want to chek my account my policy no635931379/01 sir please direct me to how i see the my name and account
    thanking you

  16. Dear Sir,

    i want to take a health protection plus policy plz advise me
    about this policy

    with regards

  17. I would like to know if there is a Insurance policy for people aged seventy years and above , Who is in good health .

  18. May I know what are the diseases covered under the LIC Health Protection Plus ? Please send me the list of diseases .

    Thanks in advance.

  19. R/Sir, I am Haryana Govt. Employee. If I take this policy Pl. tell me how can I submit original bills and other documents in both sides (L.I.C. & Our Department). Because Govt. also gives us the same benefits of health. Haryana Govt. also requires original bills and other hospital admission documents. So Pl. tell me about this condition that how can I submit original bills and other documents both side.Pl. tell me sir. Thankyou Sir.
    Rajender Singh

  20. please give my policy status as on date 30/09/2010 of my lichealthpolicy no-823386382 and nav benifitted to me on dt 30/09/2010

  21. Sir
    My question is that
    a) premiums will be paid up to the age of 65 correct?
    b) minimum age is o to 55(PI &Spouse) Children o to 17 correct?
    c) LIC HP plus will be covered till the age of 75 correct?
    please give details here or my mail
    thanking you

  22. How far this is useful to De fence service people ? if anything goes wrong first they should inform to nearest
    After re coop they go back to Unit /ship/flight. at that time how to get this benefit?
    What is the time period to intimate to LIC
    within how many days they(De fence People)have to intimate to LIC or where ?
    In time if they could not intimate to lic benefit will be given later also or not?
    policy holder belongs to all over India ? ex:- Andhra, Kerala,Calcutta from where he will get this money?
    where to inform? How to inform? simple plain paper?
    some times they don’t get connection with civil public at that what is the time limit for them?
    what is the procedure?
    any family member can send a letter to lic ?
    where which office?
    what are the documents to be submitted along with this application for getting this benefit?
    please clarify all with authentic way .
    because i deal with only De fence people they ask all authority.
    hope you understand my doubt.

  23. alok kumar kudesia

    Dear Sir,

    Please advise me the best plan for medical coverage for me, my wife and chil. My age is 57 years.


    Alok kudesia

  24. alok kumar kudesia

    Dear Sir,

    My age is 57+ and I am looking for a medical policy that cover me my wife and my child. Pls advise the best suitable policy that may link with life insurance policy as well.



  25. Pratik mohapatra

    I had taken a health plus for rs 5000/- year. Now my current age is 20. What return i ll get at the age of 65

  26. For 1 lakh insurance Medical coverage for myself, wife & 1 child how much premium amount monthly to be pay

  27. dear sir,
    I would like to go with health insurance plan for my mother and my father whats is best plan do you sugggest me,my father is 52+ mother is 48+
    Anual scheme i would like to perfer..

  28. i am paying 12000/-per year to lic for health insurance give my benifits and health coverages .

  29. hi,
    let me know who can i insure the health plan for my family of five people,what is the annual amount to be paid, is ther any faclity to pay in installments, can i insure it for long time,if in case i dont make use of the plan in that concern time what benefit i am getting back.can i insure for more than Rs two lakhs of medical bill, if yes what amount shuold i insure.

    so please get back to me with these details so that i can proceed for furthur formalities.

  30. dr k k pandey asst prof

    I have taken lic health protection plus of premium about 15000/ yr but list in list of diseases covered for msb is narrow ,i am asking only if any one affected by other major diseases like tumour in heart ,are they eligible for msb.

  31. is there any hospitals list available to take a treatment or can we take treatment in any hospital and then claim the amount?
    claim would paid i whose account , my or in hospital account?

  32. hi,
    this policy is not mentioned under premium calculator. from where can i get premium details. i can invest upto 10000 per year.

    1. You can pay premium as per your need. Here is the minimum premium details:

      1. Single Life: 6 times the HCB of the Principal Insured OR Rs.5000 p.a.
      2. Two Lives: The arithmetic sum of 6 times the HCB of PI and 3 times the HCB of the second insured. OR Rs.7500 p.a.
      3. More than two Lives: The arithmetic sum of 6 times the HCB of PI and 3 times the HCB of each of the others insured OR Rs.10,000 p.a.

      Annualized Premiums are payable in multiples of Rs.500.

  33. I want to know what is the minimum yearly premium of a couplle and one child in lic health insurance.

    1. Minimum yearly premium is Rs 10000 for a couple with a child.

      More than two Lives: The arithmetic sum of 6 times the HCB of PI and 3 times the HCB of each of the others insured OR Rs.10,000 p.a.

  34. Please,

    advice me for health insurance plans for my kids. They are age of 14 yrs. daughter and 11 yrs. son are studing in class of 8th and 5th accordingly. please suggest best plan for their medical insurance.



    A.P. Yadav

  35. Hello,

    i am 34 yrs hold unmarried, i want to take health plus from lic and i can invest 15000/- to 20000/- per year for insurance and market through lic. please let me know the suitable policy asap….

  36. I want to takes this policy . i can pay 15000/= yly premium.
    what is my Risk cover / S.A.

    Can I pay only three premium.

    waiting for your reply.


  37. Dear sir,

    Pls. confirm if i am paying premium of Rs. 12000 annually for myself, wife and chield then after completion of 65 years what retun will be given by LIC to me as my age is 27 years.


    Siddhartha Singh
    98999 68157

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