• Hospital cash benefit (HCB)
• Major Surgical Benefit (MSB)
• Day Care Procedure Benefit
• Other Surgical Benefit
• Ambulance Benefit
• Premium waiver Benefit (PWB)
• No claim benefit

Hospital cash benefit (HCB):

On the off chance that you or any of the guaranteed lives covered under the policy is hospitalized because of Accidental Body Injury or Sickness and the stay in hospital surpasses a consistent period of 24 hours, at that point for any ceaseless period of 24 hours or part thereof, gave any such part stay surpasses a persistent period of 4 hours (in the wake of having finished the 24 hours as above) in a non-ICU ward/room of a hospital, a sum equivalent to the Applicable Daily Benefit (ADB) accessible under the policy amid that policy year will be payable subject as far as possible and conditions said in Para 11A) and rejections specified in Para 15 beneath

Amid the primary year of cover beginning in regard of each guaranteed, the Applicable Daily Benefit will be the Initial Daily Benefit sum picked by you and said in the policy Schedule.

Major Surgical Benefit (MSB) :

In case of an Insured under this plan, because of medical need, experiencing one of the medical procedures characterized in Major Surgical Benefit Annexure, inside the cover period in a hospital because of Accidental Bodily Injury or Sickness, the individual benefit level of the Major Surgical Benefit Sum Assured, as indicated against every one of the qualified medical procedures said in Major Surgical Benefit Annexure, will be paid subject as far as possible and conditions specified in Para 11B) and rejections said in Para 15 beneath.

Day Care Procedure Benefit :

In case of an Insured under this Plan experiencing a particular Day Care Procedure specified in the Day Care Procedure Benefit Annexure because of medical need, a single amount sum equivalent to 5 (five) times the Applicable Daily Benefit will be paid, paying little heed to the genuine costs caused, subject as far as possible and conditions said in Para 11C) and rejections said in Para 15 underneath.

Other Surgical Benefit

In case of an Insured under this Plan, because of medical need, experiencing any Surgery not recorded under Major Surgical Benefit or Day Care Procedure Benefit, making the Insured's Hospitalization surpass a constant period of 24 hours inside the Cover Period, at that point, a day by day benefit equivalent to 2 (two) times the Applicable Daily Benefit will be paid for each persistent period of 24 hours or part thereof gave any such part stay surpasses a consistent period of 4 long stretches of Hospitalization, subject as far as possible and conditions said in Para 11D) and avoidances specified in Para 15 beneath.

Ambulance Benefit :

If a Major Surgical Benefit falling under Category 1 or Category 2 (as said in the Major Surgical Benefit Annexure) is payable and crisis transportation costs by an ambulance have been acquired, an extra single amount of ` 1,000 will be payable in lieu of ambulance costs.

Premium waiver Benefit (PWB) :

If a Major Surgical Benefit falling under Category 1 or Category 2 (as specified in the Major Surgical Benefit Annexure) is payable in regard of any Insured covered under the policy, the aggregate annualized premium i.e. add up to one year premium in regard of that Policy from the date of portion premium due agreeing with or next after the date of the Surgery will be deferred.

No claim benefit:

A no claim benefit will be paid if amid the period between Date of Commencement of policy and next Automatic Renewal Date or between two Automatic Renewal Dates (depicted in Para 4 underneath) there are no cases in regard of any Insured covered under your policy. The measure of the no claim benefit would be equivalent to 5% (five percent) of the Initial Daily Benefit in regard of each Insured and the subsequent sum will be added to touch base at the Applicable Daily Benefit in regard of each Insured for the Policy Year next after the latest Automatic Renewal Date.

Hospital Cash Benefit:

• The Hospital Cash Benefit will be payable just if Hospitalization has happened inside India.
• The aggregate number of days for which hospital money benefit would be payable, in regard of each Insured, in a Policy Year would be limited to A most extreme of 30 (thirty) long stretches of Hospitalization out of which not more than 15 (fifteen) days will be in an Intensive Care Unit in the main Policy Year following the date of beginning of cover in regard of that Insured
  A most extreme of 90 (ninety) long stretches of Hospitalization out of which not more than 45 (forty five) days will be in an Intensive Care Unit in the second and resulting Policy Years following the date of beginning of cover in regard of that Insured
• The aggregate number of long stretches of Hospitalization for which Hospital Cash Benefit is payable amid the Cover Period, in regard of every last Insured covered under the policy, will be constrained to a most extreme of 720 (seven hundred and twenty) days out of which not more than 360 (three hundred and sixty) days will be in an Intensive Care Unit. Endless supply of this point of confinement by an Insured, the Hospital Cash Benefit in regard of that Insured will stop instantly.
• The Benefit Limits indicated in the above provisions in regard of an Insured under this Policy, will exclusively and only apply to that Insured. Any unclaimed Hospital Cash Benefit of any one Insured isn't transferable to some other Insured.

Major Surgical Benefit:

• On the off chance that in excess of one Surgery is performed on the Insured, through a similar entry point or by making distinctive cuts, amid the same surgical session, the Corporation will pay for that Surgery performed in regard of which the biggest sum will end up payable.
• The Major Surgical Benefit will be paid as a singular amount as indicated for the benefit concerned and is liable to giving evidence of Surgery as per the general inclination of the Corporation.
• Every single Surgical Procedure asserted ought to be affirmed as basic and required, by a qualified Physician or Surgeon, as per the general inclination of the Corporation.
• The Major Surgical Benefit will be payable simply after the Corporation is fulfilled based on medical confirmation that the predetermined Surgery covered under the Policy has been performed.
• The Major Surgical Benefit will be payable just if the Surgery has been performed inside India.
• The sum in lieu of ambulance costs will be payable just once in regard of each Insured in any Policy Year and is liable to giving acceptable confirmation to the Corporation.
• The aggregate sum payable in regard of each Insured under the Major Surgical Benefit in any Policy Year amid the Cover Period will not surpass 100% of the Major Surgical Benefit Sum Assured in that Policy year.
• The aggregate sum payable in regard of each Insured amid the Cover Period under the Major Surgical Benefit will not surpass a greatest point of confinement of 800% of the Major Surgical Benefit Sum Assured. On the off chance that the aggregate sum paid in regard of an Insured equivalents this lifetime most extreme breaking point, the Major Surgical Benefit in regard of that Insured will stop promptly
• The Benefit Limits determined in the above provisos in regard of an Insured under this Policy, will exclusively and solely apply to that Insured. Any unclaimed Major Surgical Benefit of any one Insured isn't transferable to some other Insured.
• The Major Surgical benefit for any medical procedure can't be guaranteed and will not be payable more than once for a similar medical procedure amid the term of the policy.

Day Care Procedure Benefit:

• In the event that over one Day Care Procedure is performed on the Insured, through a similar entry point or by making diverse cuts, amid the same surgical session, the Corporation will pay for one Day Care Surgical Procedure.
• The Day Care Procedure Benefit will be paid as a single amount and is liable to giving confirmation of Surgery as per the general inclination of the Corporation.
• Every Surgical Procedure guaranteed ought to be affirmed as basic and required, by a qualified Physician or Surgeon, as per the general inclination of the Corporation.
• The Day Care Procedure Benefit will be payable simply after the Corporation is fulfilled based on medical confirmation that the predefined Surgical Procedure covered under the policy has been performed.
• The Day Care Procedure Benefit will be payable just if the Surgical Procedure has been performed inside India.
• In regard of each Insured, the Day Care Procedure Benefit will be payable just up to a most extreme of 3 (three) Surgical Procedures in any Policy Year amid the Cover Period.
• In regard of each Insured amid the Cover Period, the Day Care Procedure Benefit will be payable just up to a most extreme of 24 (twenty four) Surgical Procedures. On the off chance that the quantity of Surgical Procedures qualified for the Day Care Procedure Benefit in regard of an Insured equivalents this lifetime most extreme point of confinement, the Day Care Procedure Benefit in regard of that Insured will stop instantly.
• The Benefit Limits determined in the above provisos in regard of an Insured under this Policy, will exclusively and solely apply to that Insured. Any unclaimed Day Care Procedure Benefit of any one Insured isn't transferable to some other Insured.
• On the off chance that a Day Care Procedure Benefit is played out no Hospital Cash Benefit will be paid.

Other Surgical Benefit:

• In the event that in excess of one Surgical Procedure is performed on the Insured, through a similar entry point or by making diverse cuts, amid the same surgical session, the Corporation will pay for one Surgical Procedure.
• The Other Surgical Benefit will be paid as a Daily Benefit and is liable to giving confirmation of Surgery as per the general inclination of the Corporation.
• Every single Surgical Procedure guaranteed ought to be affirmed as basic and required, by a qualified Physician or Surgeon, as per the general inclination of the Corporation.
• The Other Surgical Benefit will be payable simply after the Corporation is fulfilled based on medical confirmation that the predefined Surgical Procedure covered under the policy has been performed.
• The Other Surgical Benefit will be payable just if the Surgical Procedure has been performed inside India.
• The aggregate number of long periods of Hospitalization for which the Other Surgical Benefit is payable amid a Policy Year in regard of every single Insured covered under the Policy will not surpass 15 (fifteen) days in the principal Policy Year following the date of beginning of cover in regard of that Insured and 45 (forty five) days for the second and resulting Policy Years following the date of initiation of cover in regard of that Insured.
• The aggregate number of long periods of Hospitalization for which the Other Surgical Benefit is payable amid the Cover Period, in regard of every single Insured covered under the Policy will not surpass a most extreme breaking point of 360 (three hundred and sixty) days. Endless supply of this lifetime most extreme point of confinement, the Other Surgical Benefit in regard of that Insured will stop quickly.
• The Benefit Limits indicated in the above provisos in regard of an Insured under this Policy, will exclusively and solely apply to that Insured. Any unclaimed Other Surgical Benefit on any one Insured isn't transferable to some other Insured

Other LIC Investment Plans

• LIC Jeevan Akshay VI
• LIC e-Term Plan
• LIC New Children’s Money Back Plan
• LIC Jeevan Anand Plan
• LIC Jeevan Saral