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LIC Health Insurance Plans for family in india: In India, ensuring the health and well-being of your family is paramount. With the increasing cost of medical treatments, having a robust health insurance plan is not just advisable but necessary.

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One of the most trusted names in the Indian insurance sector, LIC (Life Insurance Corporation of India), offers a range of health insurance plans tailored to meet the diverse needs of families across the country. In this article, we delve into the various LIC health insurance plans, hospital networks, charts, and the best plans to secure your family’s health affordably.

Understanding LIC Health Insurance Plans

LIC offers a variety of health insurance plans designed to cater to different requirements and budgets. These plans typically cover hospitalization expenses, pre and post-hospitalization costs, ambulance charges, and sometimes even critical illness cover. Let’s explore some of the popular LIC health insurance plans:

  1. LIC Jeevan Arogya: This plan provides comprehensive health coverage for the entire family. It covers hospitalization expenses as well as surgical and medical expenses. Additionally, it offers benefits for major surgical procedures and critical illnesses.
  2. LIC Cancer Cover: As the name suggests, this plan is specifically designed to cover the costs associated with the treatment of cancer. It provides financial support in case of diagnosis, treatment, and recuperation from cancer.
  1. LIC’s Health Protection Plus: This plan combines health insurance with savings, offering a dual benefit. It provides coverage for hospitalization expenses and also offers a lump sum amount on diagnosis of specified illnesses.
  2. LIC’s Jeevan Asha Plan: This plan is tailored for senior citizens, offering coverage for hospitalization expenses, domiciliary hospitalization, and critical illness.
  3. LIC’s Arogya Rakshak: A non-linked, non-participating, regular premium, health insurance plan that provides fixed benefits for hospitalization and specified surgical procedures.

Hospital Networks

When considering a health insurance plan, it’s crucial to ensure that the insurer has a wide network of hospitals for cashless treatment. LIC has tie-ups with numerous hospitals across India, providing policyholders with easy access to quality healthcare services. Some of the hospitals in LIC’s network include:

  1. Apollo Hospitals
  2. Fortis Healthcare
  3. Max Healthcare
  4. Manipal Hospitals
  5. Columbia Asia Hospitals
  6. Narayana Health
  7. Wockhardt Hospitals
  8. AIIMS (All India Institute of Medical Sciences)
  9. Tata Memorial Hospital

Choosing the Best Plan

Selecting the right health insurance plan depends on various factors such as family size, age, medical history, and budget. Here are some tips to help you choose the best LIC health insurance plan for your family:

  1. Assess Your Family’s Healthcare Needs: Consider the healthcare needs of your family members, including any existing medical conditions or potential risks.
  2. Compare Plans: Compare the features, coverage, premiums, and exclusions of different LIC health insurance plans to find the one that best suits your requirements.
  3. Check the Network Hospitals: Ensure that the plan you choose has tie-ups with reputed hospitals in your locality or preferred locations for cashless treatment.
  1. Consider Add-Ons: Some LIC health insurance plans offer optional add-ons or riders for enhanced coverage. Evaluate whether these add-ons are beneficial for your family’s needs.
  2. Read the Fine Print: Thoroughly read the policy document to understand the terms and conditions, inclusions, and exclusions of the health insurance plan.
  3. Seek Expert Advice: If you’re unsure about which plan to choose, consult with a licensed insurance advisor or agent who can provide personalized guidance based on your needs.

New LIC Plans and Affordable Options

LIC regularly introduces new health insurance plans to cater to evolving healthcare needs and preferences. Keep an eye out for any new offerings that may align better with your requirements.

Additionally, if you’re looking for affordable health insurance options, LIC offers various plans with competitive premiums and comprehensive coverage. Consider factors such as co-payment, deductibles, and coverage limits to find a plan that fits your budget without compromising on benefits.

Affordable Health Insurance Plans in India: A Comprehensive Guide

Health insurance is crucial in today’s world, providing financial security and peace of mind during unexpected medical emergencies. In India, where healthcare costs are rising steadily, having the right health insurance plan is essential. But with numerous options available, finding an affordable yet comprehensive plan can be daunting. Let’s delve into some key aspects to consider when looking for a cheap health insurance plan in India:

Understanding the Importance of Health Insurance:

Health insurance offers financial protection against medical expenses arising from illness, accidents, or hospitalization. It ensures that you receive the necessary medical care without worrying about the financial burden it may impose.

Key Features to Look for in a Cheap Health Insurance Plan

  1. Coverage: Ensure the plan covers a wide range of medical expenses, including hospitalization, pre and post-hospitalization expenses, ambulance charges, and critical illnesses.
  2. Sum Insured: Opt for a plan with an adequate sum insured that aligns with your healthcare needs and the prevalent medical costs in your region.
  1. Network Hospitals: Check the list of network hospitals associated with the insurance provider to ensure easy access to quality healthcare services without worrying about upfront payments.
  2. Pre-existing Conditions: Look for plans that cover pre-existing conditions after a waiting period, as this can significantly reduce out-of-pocket expenses for existing health issues.
  3. Renewal Age: Choose a plan with a higher renewal age to ensure continued coverage even as you age, without the hassle of finding a new insurer.

Top Affordable Health Insurance Plans in India

  1. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY): This government scheme provides health coverage of up to ₹5 lakhs per family per year for secondary and tertiary care hospitalization across empaneled hospitals in India.
  2. Reliance Health Infinity: Offering comprehensive coverage at affordable premiums, this plan includes benefits like no-claim bonus, lifelong renewability, and coverage for daycare procedures.
  3. Star Health Comprehensive Plan: With features like no sub-limits on room rent, pre and post-hospitalization expenses coverage, and lifelong renewability, this plan is a popular choice among individuals seeking comprehensive coverage at affordable rates.
  1. Max Bupa Health Companion Family Floater Plan: Ideal for families, this plan offers coverage for hospitalization expenses, pre-existing diseases, and a wide range of medical treatments, making it a cost-effective option for comprehensive health coverage.
  2. New India Assurance Asha Kiran Policy: Designed specifically for girl children, this plan provides coverage for hospitalization expenses, congenital diseases, and critical illnesses at affordable premiums, ensuring the well-being of your child without financial strain.


Investing in a reliable health insurance plan is an investment in your family’s well-being and financial security. With LIC’s range of health insurance plans, extensive hospital networks, and affordable options, you can safeguard your loved ones against the financial burden of medical emergencies. Evaluate your family’s needs, compare plans, and choose the LIC health insurance plan that provides comprehensive coverage and peace of mind. Remember, when it comes to your family’s health, it’s better to be safe than sorry.

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