Скачать или смотреть LIC Health Insurance in 2025? TRUTH REVEALED | Jeevan Arogya, ManipalCigna, and What’s Next | Ditto

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Wait… LIC offers health insurance?

That’s the first reaction most people have when they hear about LIC venturing into the health insurance space. Because for decades, LIC has been synonymous with life insurance — plans like Jeevan Anand, Jeevan Labh, and other traditional savings-cum-protection policies. But in 2025, the conversation around LIC Health Insurance is changing. In this video, we break down LIC’s previous health insurance attempts, what went wrong, and what the future might hold if LIC partners with a major standalone player like ManipalCigna.

We dive deep into LIC’s older products like Jeevan Arogya and Arogya Rakshak, which were fixed benefit policies — offering lump sum payouts instead of actual hospital reimbursements. We explain why these LIC health insurance plans didn’t work for most people, especially when medical inflation started rising and real-life hospital bills outpaced the limited benefits.

But what’s new in 2025? LIC is reportedly eyeing a strategic stake in ManipalCigna Health Insurance — a move that could give it access to full-fledged indemnity-based plans, modern claims infrastructure, and a pan-India hospital network. If that happens, LIC Health Insurance could get a serious upgrade. But should you wait?

Here’s the honest answer: as of today, LIC does not offer any indemnity-based health insurance. If you need a plan that covers real hospitalization costs — ₹1.5 lakh for surgery, ₹20,000 for dengue treatment — LIC isn’t your answer. And while LIC Health Insurance might evolve in the future, 2025 isn’t the year to wait around. You’re better off choosing from existing health-first insurers like Care Health, HDFC Ergo, Niva Bupa, ManipalCigna, or Aditya Birla Health.

We also give credit where it’s due. LIC Life Insurance is still top-tier — with an industry-leading Claim Settlement Ratio of 98.55%, excellent solvency margins, low complaint volumes, and a ₹2.17 lakh crore business footprint. So if you hold a traditional LIC plan, you’re in safe hands. Just don’t confuse LIC’s life legacy with its current health offerings.

Still confused about which policy to buy? Don’t worry. At Ditto, we’ll help you compare the best options in India, explain confusing clauses, and even assist with claims later — all through a free, no-commitment call.

So if you’ve been wondering — “Should I get LIC Health Insurance in 2025?” — this is the only video you need to watch before making a decision.

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