No, lapraoscopies is not covered under eligible Major Surgical Benefit list vide Health Plus policy of LIC.
Note:
Health Plus plan of LIC is a Cash benefit policy only. In other words, this policy does not cover or reimburses for expenses incurred on medical treatment whether sickness or surgical in nature.
However, a lump sum payment against chosen Major surgical benefit amount, calculated as a % of the sum assured as specified against each of the “eligible surgeries” become payable to the insured members. At a random check, it is found that Laparoscopies is not included in the list of the eligible surgeries.
Hence, you may further check-up with LIC office, if, any revision of the eligible surgeries list has been made in the recent past including laparoscopies and accordingly you can proceed with your claim.
IBS
