LIC GMC 2026-27 Summary

LIC Group Mediclaim Scheme 2026-27

1. Item-wise Summary

Sr No	Heading	Page No
1	Policy Schedule	2-3
2	Servicing TPAs	4-6
3	Coverages at a Glance	7-8
4	Definitions	9-15
5	Benefits Covered	15-18
6	Add-on Coverages	19-24
7	Exclusions	25-32
8	General Terms	33-38
9	Room Rent Cities	39
10	Non Medical Items	40-50

2. Comparison: 2025-26 vs 2026-27

Sum Insured up to ₹75 lakh – Same
Pre-existing Diseases Covered – Same
ICU Charges No Cap – Same
Room Rent Limits Continued
Cataract ₹70,000 per eye – Same
Tele Consultation Continued
TPA Network Updated

3. Hidden / Important Clauses

Room Rent Cap: Higher room may cause proportionate deduction.

Cash Surgeon Fees: Limited reimbursement if paid in cash.

AYUSH: Only up to 25% of Sum Insured.

Psychiatric Treatment: Hospitalization only, limit ₹50,000.

Maternity: Only first two living children covered.

Newborn Cover: Starts after declaration + premium.

Senior Citizen View (Age 85 & 78)

Excellent continuation policy if already enrolled. Valuable at advanced age due to existing disease cover and high sum insured.

DR SLABS FOR LIC PENSIONERS & FAMILY PENSIONERS

DR SLABS WEF 01.02.2026 AT CPI-IW 9728
GROUP	Period from	DR SLABS
GROUP I	01.01.1986	2282
GROUP II	01.08.1992	2145
GROUP III	01.08.1997	1997
GROUP IV	01.08.2002	1850
GROUP V	01.08.2007	1696
GROUP VI	01.08.2012	1255
GROUP VII	01.08.2017	0844
GROUP VIII	01.08.2022	0318

AICPI-IW INDEX FOR THE YEAR 2026 & 2025

CLICK FOR DETAILS HERE

Monthly figures
Month	2016=100	1960=100
JAN 2026	148.6	9768.75
FEB 2026	148.5	9762.18
MAR 2026	0000	00000
APR 2026	0000	00000
MAY 2026	0000	00000
JUN 2026	0000	00000
JUL 2026	0000	00000
AUG 2026	0000	00000
SEP 2026	0000	00000
OCT 2026	0000	00000
NOV 2026	0000	00000
DEC 2026	0000	00000
JAN 2025	143.2	9413.77
FEB 2025	142.8	9387.47
MAR 2025	143.0	9400.62
ARP 2025	143.5	9433.49
MAY 2025	144.0	9466.36
JUN 2025	145.0	9532.10
JUL 2025	146.5	9630.70
AUG 2025	147.1	9670.15
SEP 2025	147.3	9683.29
OCT 2025	147.7	9709.59
NOV 2025	148.2	9742.46
DEC 2025	148.2	9742.46

AICPI-W BASE 2016=100 & BASE 1960=100

CLICK FOR DETAILS HERE

Monthly figures
Month	2016=100	1960=100
JAN 2025	143.2	9413.77
FEB 2025	142.8	9387.47
MAR 2025	143.0	9400.62
ARP 2025	143.5	9433.49
MAY 2025	144.0	9466.36
JUN 2025	145.0	9532.10
JUL 2025	146.5	9630.70
AUG 2025	147.1	9670.15
SEP 2025	147.3	9683.29
OCT 2025	147.7	9709.59
NOV 2025	148.2	9742.46
DEC 2025	148.2	9742.46
JAN 2024	138.9	9131.09
FEB 2024	139.2	9150.81
MAR2024	138.9	9131.09
APR 2024	139.4	9163.96
MAY 2024	139.9	9196.83
JUN 2024	141.4	9295.44
JUL 2024	142.7	9380.90
AUG 2024	142.6	9374.32
SEP 2024	143.3	9420.34
OCT 2024	144.5	9499.23
NOV 2024	144.5	9499.23
DEC 2024	143.7	9446.64
JAN 2023	132.8	8730.09
FEB 2023	132.7	8723.31
MAR2023	133.3	8762.95
APR2023	134.2	8822.12
MAY 2023	134.7	8854.99
JUN 2023	136.4	8966.74
JUL 2023	139.7	9183.68
AUG 2023	139.2	9150.81
SEP 2023	137.5	9039.06
OCT2023	138.4	9098.22
NOV 2023	139.1	9144.24
DEC 2023	138.8	9124.51
JAN 2022	125.1	8223.90
FEB 2022	125.0	8217.34
MAR 2022	126	8283.06
APR 2022	127.7	8394.82
MAY 2022	129.0	8480.28
JUN 2022	129.2	8493.43
JUL 2022	129.9	8539.44
AUG 2022	130.2	8559.16
SEP 2022	131.3	8631.48
OCT 2022	132.5	8710.36
NOV 2022	132.5	8710.36
DEC 2022	132.3	8697.22
JAN 2023	132.8	8730.09

AICPI_IW-2016=100 & 1960=100

CLICK FOR DETAILS HERE

Monthly figures
Month	2016=100	1960=100
SEP 2020	118.1	7763.72
OCT 2020	119.5	7855.76
NOV 2020	119.9	7882.06
DEC 2020	118.8	7809.74
JAN 2021	118.2	7770.30
FEB 2021	119.0	7822.89
MAR 2021	119.6	7862.34
APR 2021	120.1	7895.20
MAY 2021	120.6	7928.07
JUN 2021	121.7	8000.39
JUL 2021	122.8	8072.70
AUG 2021	123.0	8085.85
SEP 2021	123.3	8105.57
OCT 2021	124.9	8210.75
NOV 2021	125.7	8263.34
DEC 2021	125.4	8243.62
JAN 2022	125.1	8223.90
FEB 2022	125.0	8217.34
MAR 2022	126.0	8283.06

Mediclaim Premium Ready Reckoner 2022-23

Mediclaim Premium Final as per CO Circular dated 06.04.2022.pdf

Mediclaim Premium Final.pdf

PENSION ARREARS CALCULATOR

IN SPITE OF MY CLEAR APPEAL TO MY PENSIONERS FRIENDS NOT TO TINKER WITH ANY CELL OF TH CALCULATOR, SOMEONE HAS REMOVED A FEW ROWS FRO THE GIVEN TABLE THROUGH OVERSIGHT OR INTENTIONALLY.
I HAVE REMOVED THE CALCULATOR FROM MY BLOG TO AVOID ANY INCONVENIENCE TO FRIENDS ON ACCOUNT OF REMOVAL OF FEW ROWS .I APPEND BELOW THE REQUISITE FORMULA TO CALCULATE THE ARREARS MANUALLY YOURSELF.
(A)
PENSION RECEIVED AFTER DATE OF RETIREMENT TO JULY 2021
=(No. of Months X Net BASIC PENSION )+(DR/slab X No. of total slabs)

(B)
PAYABLE AFTER REVISION

=( No. of Months X REVISED NET BASIC PENSION )+ ( Revised DR per Slab X No. of revised Total slabs )
(C)
Arrears / Recovery = (B) -(A)

YOU MAY FIND THE TOTAL NUMBER OF SLABS BOTH FOR PRE AND POST REVISION FROM THE FOLLOWING TABLE AS PER YOUR MONTH OF RETIREMENT.<br>
WITH GREETINGS,

R K SAHNI



1	2	3	4	5
DOR	Pension	Months	Total NO. of Slabs
	Period		OLD	NEW
Aug-17	09/17-7/21	47	27717	8400
Sep-17	10/17-7/21	46	27306	8400
Oct-17	11/17-7/21	45	26895	8400
Nov-17	12/17-7/21	44	26484	8400
Dec-17	01/18-7/21	43	26073	8400
Jan-18	02/18-7/21	42	25662	8400
Feb-18	03/18-7/21	41	25202	8351
Mar-18	04/18-7/21	40	24742	8302
Apr-18	05/18-7/21	39	24282	8253
May-18	06/18-7/21	38	23822	8204
Jun-18	07/18-7/21	37	23362	8155
Jul-18	08/18-7/21	36	22902	8106
Aug-18	09/18-7/21	35	22428	8043
Sep-18	10/18-7/21	34	21954	7980
Oct-18	11/18-7/21	33	21480	7917
Nov-18	12/18-7/21	32	21006	7854
Dec-18	01/19-7/21	31	20532	7791
Jan-19	02/19-7/21	30	20058	7728
Feb-19	03/19-7/21	29	19514	7595
Mar-19	04/19-7/21	28	18970	7462
Apr-19	05/19-7/21	27	18426	7329
May-19	06/19-7/21	26	17882	7196
Jun-19	07/19-7/21	25	17338	7063
Jul-19	08/19-7/21	24	16794	6930
Aug-19	09/19-7/21	23	16180	6727
Sep-19	10/19-7/21	22	15566	6524
Oct-19	11/19-7/21	21	14952	6321
Nov-19	12/19-7/21	20	14338	6118
Dec-19	01/20-7/21	19	13724	5915
Jan-20	02/20-7/21	18	13110	5712
Feb-20	03/20-7/21	17	12418	5431
Mar-20	04/20-7/21	16	11726	5150
Apr-20	05/20-7/21	15	11034	4869
May-20	06/20-7/21	14	10342	4588
Jun-20	07/20-7/21	13	9650	4307
Jul-20	08/20-7/21	12	8958	4026
Aug-20	09/20-7/21	11	8250	3729
Sep-20	10/20-7/21	10	7542	3432
Oct-20	11/20-7/21	9	6834	3135
Nov-20	12/20-7/21	8	6126	2838
Dec-20	01/21-7/21	7	5418	2541
Jan-21	02/21-7/21	6	4710	2244
Feb-21	03/21-7/21	5	3925	1870
Mar-21	04/21-7/21	4	3140	1496
Apr-21	05/21-7/21	3	2355	1122
May-21	06/21-7/21	2	1570	748
Jun-21	07/21-7/21	1	785	374
Jul-21

M P CALCULATOR

Well, I hope  Sir, you may be with the family be in good health. While looking at the downloaded copy of the Mediclaim Premium Reckoner , I find some corrections to be made at Cell No. 5 in columns F & L, and Cell No. I11 in Category I. Similarly the mistake has been taken to Category II, for Cells F & L-5, and to Category III to  Cell L5.    I have carried the corrections in the file I have prepared for me,  and during the said action I have made a gesture to alter the format. Please forgive me, I am neither  competent at all, nor an expert do so, but for my record I have selected to carry out the changes.  The file is appended for perusal only.

Dinesh Naik.

MP Ready Reckoner 2021-22 (Sahniji)-1.xlsx

LIC MEDICLAIM PREMIUM CALCULATOR 2021-22

Dear Mr.Sahniji,

I am attaching herewith the mediclaim calculator for LIC Mediclaim Scheme for the financial year 2021-2022 for posting in your blog . I have prepared this with some minimal error checking and reporting for inputs and I hope this will be useful for LIC employees to check their premium.

Thanks and Regards,

D.Balasubramanian

MOB:9686476900

MediclaimPremiumCalculator2021-2022-2.xlsx

Note on LIC Pension Rules and service rules

TRIBUTE TO SRI R.K.SAHNI FOR HIS BLOG CROSSING 27,00,000 HITS: MAMMOTH ACHIEVEMENT

TRIBUTE TO SRI R.K.SAHNI FOR HIS BLOG CROSSING 27,00,000 HITS: MAMMOTH ACHIEVEMENT

---------------------------------------------------------------------------------------------------------------------------------------

1) I am sorry to have missed the Landmark 27.00.000,climbed by Sri RKSahni Blog, as I was unwell with Cellulitis & legswelling intensified & also to lot of time spent on proliferation of WhatsApp ,which combines the serious with the ordinary,joyous & happy with flippancy & despair,high watermark of excellence with mundane stuff & sarcasm & unwanted insertions at unwanted places, a medley indeed.But none can beat WhatsApp in speed & emergent news & quickest transmission & exchange of views. But for Sri RKSahni, the caravan ever moves on,fast, faster & fastest.Magic figure of 27,00,000 is laudable & he deserves all approbration

2)13,00,000 by 7/2017, 21,00,000 by 12 /2018 ,look at high jump in just 17 months,again yet another tireless,variegated non-stop insertions,only hampered by Corona mobility ,some stuck up where they visited, leap forward to 27,00,000 by 3 August 2020, indeed RKS combines the 50:50 ,with 20:20 & races with IPL Cricket Clouters & hardhitters to win whatever he intends to & so goes on the murmuring brook, to pools, to lakes, to seas & to Ocean of Knowledge,Enlightenment,Entertainment,Flashes, Festivals Highlights, News & Views, Articles, Critical Assessments, Queries & Replies in his Blog & wonderful, timely interventions in WhatsApp whereever necessary .

3)We must be deeply indebted to him for the Fountain of Thought he creates with his prompt,magical Charts & Tables, & the interpretation thereof to know the in-depth significance of Anamolies or Discrimination such inputs produces stressing & asserting the harm & loss management or Court action produces ,denying the modest, genuine & legitimate demands of aged pensioners.Ever so many new facets he introduced with ease & aplomb of ITRates pre & post Budget assessment for the reader,taxpayer, pensioner to choose the correct rates ,as that confirmation will hold good for future.

4) Profuse thanx to RKS for the updates on Indias progress & any number of commentaries he included & the very critical latest announcements on Covid19 calamity hanging like a ghost here, there,everywhere & the precautions & accessories to be used to come out unscathed with tests proving negative.We need such selfless activists to highlight issues,segregate essentials from non-essentials & make it easy for readers to know & appreciate the crux of the matter.We wish RKS long life with pink of health & vigour & to all his family members ,who are the source of inspiration in all his endeavours.

----- R.B.KISHORE, PATRON, AIRIEF : 10/8/20

RB Kishore,

PATRON,AIRIEF,

ED(Retd),LIC

Life Member,Probus Club

044-2815 5810 & 098 4034 0591.

www.airiefvision.wordpress.com

CPI LATEST FIGURES

CLICK FOR DETAILS HERE

Monthly figures
JAN 2020	0330	7532.55
FEB 2020	0328	7486.89
MAR 2020	0326	7441.24
APR 2020	0329	7509.72
MAY 2020	0330	7532.55
JUN 2020	0332	7578.20
JUL 2020	0336	7669.50
AUG 2020	0338	7715.15
SEP 2020	339.84	7757.15
OCT 2020	0000	00000
NOV 2020	0000	00000
DEC 2020	0000	00000

YET ANOTHER BIG CLIMB

Dear Sri Sahni, Yesterday itself I hinted in advance u are hitting 9,00,000 hits in so short a time that ur worthy Blog, befitting its real reflection of all pensioners welfare & progress, titled, PENSIONERS VOICE & SOUNDTRACK is really performimg an uphill task of daily work & assignment assiduously, without break, all for the cause of pensioners constant education to be alive & aware of environment, rights & privileges, Dos & Donts, to preserve, protect & promote their own interests.They are deeply indebted to you for ur stubborn commitment to the endearing cause & wholesale dedication to communicate all relevant info & news to pensioners. A simple matter of CPIndex & announcement of DR slabs becomes a great news for jubilation.TPA cards & how to preserve, utilise, submit Claim forms & fup with Pension Disbursing office & TPA is educative & reduces uncertainty.Those who utilised Cashless service feel all they thought of as rigorous & impossible, with some care & advance precaution becomes fairly comfortable.We all exercised our own option for OSA,Optional SA & feel secure.Wideembracing topics interrelated with similar issues of Govt employees, banks etc keep us awake & alert.All these would have been impossible for pensioners to know & they would have continued to live in an impoverished way for lack of info or updated news.This is where Blog steps in to fill vacuum & Sri RKSahni has breathed fresh news all thro the day with aplomb,distinction, speed & accuracy My heartiest congratulations to u for this NOBLE work u do as a labour of LOVE & Sacrifice ,at great personal cost & indeed if ur Blog travels remarkably fast in readership, it is a Pointer to many more significant laurels in 2017.May the New year dawn with glitter & lustre & you occupy preeminent position,as even as an infant Blog, u have captured an alluring & marvellous feat.Profound thanx & best wishes to u to climb up & up, farther & farther Greetings, RBKISHORE VP,AIRIEF

GROUP II-REVISED FORMULA FOR CALCULATION OF DR ARREARS

GROUP II RETIRED BETWEEN 01.04.1993 & 31.07.1997-
REVISED FORMULA FOR CALCULATION OF DR ARREARS
(a) BASIC PENSION BETWEEN Rs 3851 &Rs4100
(1) ARREARS FROM 29.01.2007 to 27.04.2017
(BP-3850)X62.2655961 xxxxxx(A)
LESS: 40% IR PAID xxxxxx(B)
NET AMOUNT PAYABLE (A-B) xxxxxx(C) IF(C) NEGATIVE IGNORE
ADD INTEREST FROM 27.04.2017 TODATE OF PAYMENT xxxxxx(D)
(2) ARREARS FROM 28.04.2017 TO 31.07.2018
(BP-3850)X11.94672 xxxxxxx(E)
ADD: INTEREST FROM 28.04.2017 TO DATE OF PAYMENT xxxxxx(F)
(3) AMOUNT OF DR DIFFERENCE PAYABLE xxxxxxx(C)+(D)+(E)+(F)
(b) BASIC PENSION ABOVE RS 4100
(1) ARREARS FRO 29.01.2007 TO 27.04.2017
= 15566.399+{(BP-4100)X145.286391} xxxxxx(A)
LESS:40% IR PAID xxxxxx(B)
NET AMOUNT PAYABLE (A-B) xxxxxx(C)
ADD INTEREST FROM 27.04.2017 TO DATE OF PAYMENT xxxxxx(D)
(2) ARREARS FROM 28.04.2017 TO 31.07.2018
=2986.68+{(BP-4100)X27.87568} xxxxxx(E)
ADD: INTEREST FROM 27.04.2017 TO DATE OF PAYMENT xxxxxx(F)
(3) AMOUNT OF DR DIFFERENCE PAYABLE xxxxxxx(C)+(D)+(E)+(F)
R K SAHNI

PENSIONERS' VOICE & SOUND TRACK Editor: R K Sahni

LIC GROUP MEDICLAIM SCHEME GUIDE

Thursday, 2 March 2017

PENSIONERS EMAILS & FEEDBACK FROM 1st FEBRUARY 2017:SERIES No.141 & 142-R B KISHORE

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