IFFCO Tokio Arogya Sanjeevani Health Insurance
Claim Settlement Ratio | 96.33% |
Network Hospitals | 7,500+ |
PED Waiting Period | 3 years |
Starting Premium (for 5L SI) | Rs. 584/month |
About IFFCO Tokio Arogya Sanjeevani Health Insurance
IFFCO Tokio Arogya Sanjeevani Policy is a standard health insurance plan that covers all the medical expenses of the insured individual. In case during the policy tenure, an insured individual needs to be hospitalized for the treatment of an injury or illness at a hospital, then the insurance company will pay against all the expenses that are mentioned in the coverage. Also, the policyholder is offered a cumulative bonus for every claim-free year. It can be bought by any individual aged between 18 years and 65 years.
The insurance policy offers coverage for pre-hospitalisation, post-hospitalisation, hospital room rent, daycare procedures, AYUSH treatment, in-patient hospitalisation, dental treatment, ambulance charges expenses etc. The policy gives a sum insured for up to Rs. 5 Lakh and the policy tenure is for 1 year. The policy can be bought both on an individual and family floater basis including for self, spouse, dependent children, parents, and parents in law. However, remember that the age of dependent children should be between 3 months to 25 years. The premium can be paid on a yearly, half-yearly, quarterly or monthly basis.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- Co-payment of 5% on total hospital bill
- ICU expenses up to Rs. 10,000 per day or up to maximum 5% on sum insured
- Expenses covered for AYUSH treatment
- Cumulative bonus for every no claim year up to 5%, that can go up to max 50%
- Dental treatment expenses due to injury or disease
- In-patient hospitalisation expenses
- Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 180 days respectively
- Expenses related to daycare treatments
- In-patient hospitalisation expenses for treatments taken under AYUSH systems of medicines
- Expenses related to domiciliary hospitalisation
What's Not Included
- Expense for obesity or weight control treatment
- Expenses for Gender change treatment
- Maternity Expenses are not covered
- Expenses for treatment incurred due to adventure or hazardous sports
- Expenditure incurred on OPD treatment or domiciliary hospitalisation
- Any illness arising because of the insured committing any breach of law
- Expenses arising due to treatment required due to civil war or foreign invasion
- Expenses arising due to war or warlike situations
- Dietary supplements that can be purchased without a prescription
- Expenses arising due to cosmetic surgery
7178 IFFCO Tokio Cashless Network Hospitals in India
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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Can I avail AYUSH treatment with IFFCO Tokio Arogya Sanjeevani Policy?
Yes, you can avail AYUSH treatment under IFFCO Tokio Arogya Sanjeevani Policy. The insurance company will pay for healthcare expenses incurred for in-patient hospitalisation treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy medicine systems during every policy tenure up to the sum insured limit as specified in the insurance policy schedule in any AYUSH hospital.
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How can I cancel my IFFCO Tokio Arogya Sanjeevani Policy?
In case, you are not satisfied with the terms and conditions mentioned in the IFFCO Tokio Arogya Sanjeevani Policy, then you can cancel the contract. However, the cancellation and return of the insurance policy should be done within 15 days from the issuance of the insurance plan. The premium paid at the time of purchasing the policy will be returned to you after the deduction of stamp charges and taxes. Also, you should remember that the policy cancellation can take place only if no claims have been raised by you.
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Is there a free look period in IFFCO Tokio Arogya Sanjeevani Policy?
Yes, a free look period of 15 days is applicable at the time of issuance of IFFCO Tokio Arogya Sanjeevani Policy but it is not available during renewal or porting of the insurance plan. In case, within the 15 days period of reviewing the terms and conditions of the insurance plan, you are not satisfied with it then it can be returned to the insurance company.
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What is the grace period under IFFCO Tokio Arogya Sanjeevani Policy?
If you have selected an annual premium payment mode, then a fixed grace period of 30 days is allowed whereas, for other payment modes, a fixed 15 days period is permitted as grace period. A grace period is the relaxation period offered to the policyholder for payment of premium to renew their policy if they have missed to renew it before the due date or expiry date of the insurance plan.