Top 10 LIC Health Insurance Plans in India – Benefits, Companies & How to Choose
Table of Contents
- LIC Health Insurance
- List of Top 10 LIC Health Insurance in India
- 10 Best LIC Health Insurance in India
- Importance of LIC Health Insurance Companies
- Benefits of Buying LIC Health Insurance from the Insurers
- How to Choose the Best LIC Health Insurance Companies in India?
- Factors to Consider When Choosing a LIC Health Insurance Company in India
- Why Choose Onsurity for Group LIC Health Insurance?
- Conclusion
- FAQs
LIC Health Insurance
LIC (Life Insurance Corporation of India) is a trusted name in insurance for decades.
It offers health insurance products designed to protect individuals and families from rising medical costs.
Though LIC primarily focuses on life insurance, it has partnered with health insurance providers and offers hybrid plans that combine life + health protection.
List of Top 10 LIC Health Insurance in India
- LIC Jeevan Arogya
- LIC Cancer Cover
- LIC Pradhan Mantri Vaya Vandana Yojana (Health Riders)
- LIC Jeevan Umang (with health add-ons)
- LIC Health Plus (closed but previously popular)
- LIC Arogya Rakshak
- LIC Group Mediclaim
- LIC’s Critical Illness Plans
- LIC's COVID-19 Health Insurance Options
- LIC Onsurity Group Health Collaboration
10 Best LIC Health Insurance in India
While LIC doesn't offer traditional standalone health insurance like private players, its hybrid products are powerful due to LIC’s trusted name and comprehensive risk coverage.
The best ones among them are Jeevan Arogya, Arogya Rakshak, and LIC Cancer Cover — all offering long-term health support, cashless claims, and high claim settlement ratios.
Importance of LIC Health Insurance Companies
LIC’s plans often partner with recognized health insurers and hospitals.
This collaboration ensures access to a wide hospital network and ease in claim settlement.
Being a government-backed entity, LIC’s plans are also more secure for long-term investors.
Benefits of Buying LIC Health Insurance from the Insurers
- High claim settlement ratio backed by government trust
- Affordable premiums with optional riders
- Cashless treatment in partnered hospitals
- Combination of life and health cover in one policy
- Long-term protection with tax benefits under Section 80D
How to Choose the Best LIC Health Insurance Companies in India?
Choosing the right plan depends on your age, income, health needs, and family structure.
It is crucial to compare policies not just on premium but on inclusions, waiting period, room rent limits, and post-hospitalization benefits.
Factors to Consider When Choosing a LIC Health Insurance Company in India
- Coverage: Ensure the sum insured matches potential medical costs.
- Hospital Network: Check if local hospitals are within LIC’s cashless network.
- Premium vs Benefits: Compare what you're paying with what’s covered.
- Add-ons: Include riders like accidental cover, maternity, or critical illness.
- Claim Process: Choose policies with simple and fast claim approval systems.
Why Choose Onsurity for Group LIC Health Insurance?
Onsurity is a new-age group insurance platform that partners with LIC-approved health providers to offer affordable group health coverage for small teams, startups, and freelancers.
Some benefits include:
- Pay-per-user monthly model — no bulk annual payments
- Digital onboarding with zero paperwork
- Includes telemedicine, wellness programs, and discounts
- Ideal for modern businesses and remote teams
Conclusion
LIC health insurance offers trustworthy and long-term solutions for your health coverage needs.
Whether you are a salaried individual or a business owner, choosing the right LIC-backed plan can give you peace of mind and financial security.
Compare, research, and choose wisely to get the maximum protection.
FAQs
1. Does LIC provide standalone health insurance plans?
LIC offers hybrid health plans like Jeevan Arogya and Cancer Cover. For full health plans, it collaborates with health insurers.
2. Is LIC health insurance valid at all hospitals?
LIC plans cover a wide network of hospitals, especially when partnered with companies like Onsurity.
3. Can I buy LIC health insurance online?
Yes, LIC policies can be bought online through their website or through authorized agents.
4. Are LIC premiums affordable for middle-income families?
Yes, LIC plans are designed to be budget-friendly with additional rider options for enhanced coverage.
5. Is LIC health insurance good for senior citizens?
LIC’s hybrid plans and certain group policies offer extended benefits for seniors, depending on eligibility.