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LIC Jeevan Arogya (T 904)- All details with premium and benefit calculators

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LIC Jeevan Arogya (T 904) is a family floater health insurance plan from the public sector insurer, Life Insurance Corporation (LIC) of India. LIC’s Jeevan Arogya is a non-linked health insurance plan which provides fixed benefits for hospitalization and almost all types of surgical procedures.

Benefits provided in this policy are irrespective of the actual expenses incurred and are in addition to any other health insurance cover that the insured may have. In other words, LIC’s Jeevan Arogya is not a competitor to medi-claim and similar health insurance plans but it is a complementary product to it.

Read more: LIC’s New and updated health insurance plan – Arogya Rakshak – Plan 906 – everything you need to know

Benefits offered under LIC Jeevan Arogya (T 904) plan are

  1. Hospital Cash Benefit (HCB)
  2. Major Surgical Benefit (MSB)
  3. Day Care Procedure Benefit (DCPB)
  4. Other Surgical Benefit (OSB)

Apart from these four general benefits, Term Assurance Rider and Accident Benefit Rider can be availed under LIC Jeevan Arogya plan, as per the wish of the policyholder.

LIC Jeevan Arogya – Premium and benefit calculator

Jeevan Arogya – online calculator can help you by providing a clear idea on the premium required to take a new Jeevan Arogya health policy for your entire family. It can also give you complete details on the various benefits available based on the hospital cash benefit selected for each member.

If you are unable to view the calculators here, Click to open Jeevan Arogya – Premium and Benefit calculator on a separate page.

Eligibility Conditions of Jeevan Arogya (T 904)

Member DetailsMinimumMaximum
Age at
1.Principle insured
2.Insured Spouse
18 years65 years
2.Parents in law
18 years75 years
3 months
17 years
(last birthday)
1.Principle insured
2.Insured Spouse
3.Insured Parents
4. Parents in law
80 Years (Last birthday)
25 years (Last birthday)
Rebates available for Jeevan Arogya
Mode RebateYearly Mode – 2%Half Yearly Mode – 1%
Hospital Cash Benefit (HCB) Rebate
HCB (Rs.)Rebate for
Principle Insured
Rebate for
Other Members

Hospital Cash Benefit (HCB) in LIC Jeevan Arogya plan

Initial Daily HCB is the cash amount available for a day if any of the insured members get admitted in a registered hospital in the first year of the policy. The slab at which Hospital Cash Benefit (HCB) shall be available can be chosen by the policyholder from 1000,2000,3000 and 4000 at the time of taking the policy.

Two enhancements available on Initial Daily Hospital Cash Benefit (IDHCB) are

  1. 5% increase in IDHCB every year until Applicable HCB reaches 1.5 times of IDHCB
  2. 10 % additional IDHCB for every three no claim years completed till Applicable HCB reaches 1.5 times.

No hospital cash benefit shall be payable for the first 24 hours of hospitalization. But, on the other hand, if the hospitalization period extends for a period of 7 days or more, HCB shall be paid for the first 24 hours also. Further to add, if the insured person gets admitted in ICU, twice the applicable daily cash benefit shall become payable.

Major Surgical Benefit (MSB) under LIC Jeevan Arogya

MSB shall become payable if the insured person undergoes any of the surgical procedure listed under the Major Surgical Benefit Annexure of LIC’s Jeevan Arogya plan. The amount payable varies based on the category of the surgery conducted as per the annexure.  Maximum Amount allowed for a single surgery is 100 times of applicable HCB of that particular year. Complete list of major surgeries, their categories and the amount payable for LIC Jeevan Arogya can be downloaded from here.

Day Care Procedure Benefit(DCPB) under LIC Jeevan Arogya plan

If the policyholder undergoes a surgery which is listed under Day Care Procedure Benefit List an amount equal to five times the applicable HCB will be payable to the policyholder. Complete list of the Daycare procedure allowed under the scheme can be downloaded from here.

Other Surgical Benefit (OSB) under LIC’s Jeevan Arogya policy

If the policyholder undergoes a surgical procedure which is not mentioned as a Major surgery or as a daycare procedure, then an amount equal to two times applicable HCB will be payable as Other Surgical Benefit.

Benefits Under Jeevan Arogya
Hospital Cash Benefit (HCB)
FeaturePrinciple Insured
Spouse, Parents and
Parents In Laws
Dependant Children
Minimum Initial
Daily Hospital
Cash Benefit
Maximum Initial
Daily Hospital
Cash Benefit
4000Spouse: Less than or
equal to HCB of [PI]
Less than or equal
to HCB of Spouse.
(if no spouse <= [PI])
Parents/In laws: Less than
or equal to HCB of spouse.
(if no spouse <= [PI])
Maximum Annual
Benefit- First Year
30 days (in first year) inclusive of stay in ICU
(Stay in ICU Maximum Benefit for 15 days)
Maximum Annual
Benefit- Second Year
and there after
90 days inclusive of stay in ICU (in a year)
(Stay in ICU Maximum Benefit for 45 days)
Maximum Life
time benefit
720 days inclusive of stay in ICU
(Stay in ICU Maximum Benefit for 360 days)
Major Surgical Benefit
FeaturePrinciple Insured [PI]Spouse, Parents and
Parents In Laws
Dependant Children
Major Surgical Benefit
Sum Assured (MSB)
100 times of Applicable Daily
Hospital Cash Benefit (HCB)
100 times of Applicable Daily
Hospital Cash Benefit
100 times of Applicable Daily
Hospital Cash Benefit
Maximum Annual
Benefit (MSB)
100 times of Hospital Cash Benefit (HCB)
Maximum Life
time benefit
800 times of Hospital Cash Benefit (HCB)
Day Care Procedure Benefit (DCPB)
Principle Insured [PI]Spouse, Parents and
Parents In Laws
Dependant Children
Day Care Procedure
Benefit Payable
5 times of Applicable Daily
Hospital Cash Benefit (HCB)
5 times of Applicable Daily
Hospital Cash Benefit
100 times of Applicable Daily
Hospital Cash Benefit
Maximum Annual
Benefit (DCB)
3 surgical Procedures
Maximum life time
Benefit (DCB)
24 Surgical Procedures
Other Surgical Benefit (OSB)
Other Surgical
Benefit Payable
2 times of Applicable Daily
Hospital Cash Benefit (HCB)
2 times of Applicable Daily
Hospital Cash Benefit
2 times of Applicable Daily
Hospital Cash Benefit
Maximum Annual
Benefit (OSB)
15 days in first year and 45 days there after
Maximum Life time
Benefit (OSB)
360 Days
Example to understand premium and benefits of LIC Jeevan Arogya plan

Let us consider the example of Mr. Arun and family taking  LIC Jeevan arogya plan with following family details.


Principle InsuredMember 1Member 2
Initial Daily
HCB Considered

Please note: Illustration shown here is just an example to understand the benefits of LIC Jeevan Arogya Policy, If you want to know the actual benefits as per your details, please use the ‘Jeevan Arogya – Calculator’ provided above.

LIC Jeevan Arogya - t 904- premium and benefit calculator all details

You can download excel software to create a presentation similar to the one shown above from here.

Jeevan Arogya (T-904) – Income tax benefits.

Premium paid for Jeevan Arogya is eligible for income tax rebate under the section 80D of Income Tax Act. The deduction allowed under section 80 D is up to Rs. 25000 for normal people and Rs. 30000 for senior citizens. You can calculate your tax liability and tax payable using Income Tax Calculator by Insurance Funda.
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Anish L J

Anish L J is a 'Financial Planner' and member of Chartered Insurance Institute(CII), London and Insurance Institute of India. He is also a finance, insurance and software consultant. He thoroughly follows the developments in finance, insurance, and other related sectors.

43 thoughts on “LIC Jeevan Arogya (T 904)- All details with premium and benefit calculators

  • i want stop my this poilcy i need my cash back what i do pls. help

    • Jeevan Arogya policy does not have any surrender value and hence there is no option to close the policy and get money back.

  • how good is this to cover person 1:age 33; person 2: age 24; person 3: age 55 for medical benifits

    • Can you make your query a little more clear? Please use this calculator to get the benefits available if people with mentioned age takes a Jevan arogya policy.


    • Normally premium will not increase with time. But there is a provision to revise the premium every 3 years. But it need not be an increase it can be a decrease also.

  • There has been a lot of claim denials citing flimsy reasons because of which many of my friends including myself are planning to discontinue with this insurance. Any comments?

    • Nobody can reject any claim citing flimsy reasons as you mentioned. Which claim was rejected? Rules of Jeevan Arogya is clear and the claim has to be paid based on that. If you have any dispute in the claim decision you can go for an appeal and raise your point if any. I cannot comment without more details. If you want any clarifications you can ask.

  • Sir Maine LIC ki jeevan Arogya ki 904 policy 2 person cover, 1.5 saal take premium pay kiya hai, mere age 32 hai…. Ise mere hone wale bacha cover nahi hai to aur policy premium Bhaut hai…… To policy continue karu koi aur option par jau (ex Star health insurance)….. Please replay

    • Hi Swapnil,
      You can add your new child to the Jeevan Arogya plan once he is 3 months old. What else you want to know?

  • Is this policy gives lumpsum amount on maturity in case there is no claim, in short is it endowment policy?

    • Nothing is payable at the time of maturity. And there is no maturity date for this plan.

  • Is this policy endowment plan? Means will it give me my amount on maturity in case of no claim at all?

    • Jeevan Arogya is not an endowment type plan. Nothing is payable on maturity or if there is no claim

  • Will CGHS beneficiary benefit by adding arogya policy to cover left out expenses from cghs

    • What I understood from your query is that you are already having a CGHS scheme and you want to know whether paying some amount in Jeevan Arogya plan can cover the additional rebate available in 80D. Yes, that is possible. Amount paid in Jeevan Arogya will get added to the amount already paid in CGHS.

  • Reena K from Calicut. let me know what are the benefits of Jeeva Aroghya plan 904. This calculator in the site is not userfriendly. I coulnt fill the initial daily PI and all. So let me know the benefits as I am paying an amount of Rs.5000 yearly. and added my husband at the time of joining.

    • Hi Reena,
      The calculator on the site is working perfectly.
      You please follow these steps.
      1. Select the number of family members to be added to the scheme.
      2. Select premium mode.
      3. Click on the checkbox provided “add details for the principal insured.
      4. select the details for the principal insured.
      5. Click on the checkbox for other members and then add the details
      6. Click on ‘calculate premium’ and ‘Show benefit calculation’ buttons

      If you have any difficulty please let me know.

  • Can LIC’s JEEVAN AROGYA be purchased online ?

    • Jeevan Arogya is not available for online sale..

  • Congratulations for undertaking such a commendable job of preparing this handy app.
    On the Jeevan Arogya policy, let me make my immediate comments.

    1.I disagree with your description of JA as a floater policy. Here every insured person has separate sum insured.
    2.Regarding the increase in HCB, let me clarify as under.
    a. Increase in IDHCB @5% is automatic and goes upto 50% on arithmetic progression in such a way that HCB becomes 150%.
    b. Second one is on account of claim free years. For every block of 3 claim free years, there is an addition of 5% called no claim benefit. There is no limit to this addition.

    • Thank you sir… for notifying… Shall try to update…

  • Principle insured should be described as ” Principal Insured”.

  • Hi .meri mom ka cataract ka opration karwana hai to mujhe is policy me cashlesh mile ga ya mujhe payment karna hoga pl. Reply me

    • The cashless option is not available in the Jeevan Arogya plan. you will have to pay the amount and claim the amount later.

  • My wife has undergone a surgery and was admitted in ICU for 7 days.being a policy holder in Jeevan arogya with hcb of rs 2000 since the last 6 years , what are the benefits she is eligible for .

    • I cannot give you the exact benefits but I can give you an Idea on what all could be the benefits. Every year there is an automatic increase in the Hospital cash benefit at the rate of 5%. So your applicable HCB could be 2500 if six years are already completed. When getting admitted for a surgery major surgical benefit will be available if the surgery comes in the list of major surgeries. If it qualifies as a major surgery the major surgical benefit the benefit could anywhere between 20% to 100 % of the Applicable msg (which is 100 x applicable hcb). In our case let us assume it as 250000). So the total benefit could include MSB + HCB for 7 days. For staying in ICU the HCB will be double.
      Exact amount will be decided by the TPA handling the claims.

  • Sir, Iam a govt employee and i have EHS This is cash less .If i purchase LIC Arogya policy can i claim benifit apartfrom using my govt scheme .

    • The benefits of Jeevan Arogya is independent of the benefits of EHS. You can claim the benefits from both these schemes simultaneously.

  • Sir major surgery like heart block it is effect from purchase date or after two years

    • There is no waiting period for heart surgeries in Jeevan Arogya.

  • Sir I bought this policy on july 22nd of 2020 and had a heart attack on 30th sep. I was admitted in ICU for 5 days. Can i claim the expenditures now or how many days should i wait? Waiting period is from date of hospitalisation or from the date of buying the policy . Please let me know soon. Thank you .

    • The general waiting period of the policy is 90 days from the date of commencement of the policy. so you can claim the expenses as it happened after 90 days. The waiting period gets applicable from the date of commencement(buying) of the policy.

  • Sir, Is there any waiting period in this policy. Example:- if anyone purchase this policy and within a month he went for kidney stones surgery, can this policy cover this surgery? Stone problem arrived suddenly.

    • Yes, The minimum general waiting period of the policy will be 90 days from the date of commencement of the policy. Within this period only claims arising due to accident shall become payable. Then the specific waiting period of 2 years will become applicable for 16 diseases which includes kidney stones. So the policy will not cover it for 2 years.

  • Can I increase dcb say from 1000 to 2000, in a running policy.

    • NO, it is not possible. But there is an automatic increase of HCB at the rate of 5% per annum and will be applied automatically for your policy.

  • Hi,
    Nice information about policy.
    If I take policy premium term of 25 years and lets say I am paying premium of 20,000 Rs per year.
    What will be the amount I get at the end of 25 year on closure.


    • For Jeevan Arogya plan, there is no maturity benefit. So nothing is payable as maturity. And there is no concept like term of 25 years. As long as you pay the premium, coverage will be available to you/your family.

  • Hi
    My father is taken this policy and paid premium from last 4 years . Please tell me this policy covers day care or routine check up for my father

    • Jeevan Arogya policy does not cover routine checkups. The coverage available includes 1. Daily cash benefit for hospitalization 2.Major surgical benefit 3. Day care procedure 4. Other surgical benefit.

  • What is the PPT in 904 plan

    • Jeevan Arogya plan can be continued till the age of 75 years of age of the policyholder. So the PPT will be the period till the policy holder attains 75 years of age.

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