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Health Insurance 2598 views September 26, 2020
Iffco Tokio has always impressed its customers with various policies. Many individuals prefer Iffco Tokio for taking a health plan. On the other hand, it is necessary for many individuals to take a health insurance plan because it is really helpful to tackle the financial issues that arise due to a medical emergency. You can have a look at the Iffco Tokio Sanjeevani policy that offers you a Sum Assured of up to Rs.5 Lacs. It will also cover the expenses of the room’s rent and ICU charges. There are thousands of network hospitals present across India where you can go for a cashless treatment. So, let’s see all the features of this insurance plan.
Table of Contents
There are some exclusive benefits of this plan and you can explore the risks that are covered. This plan is available at an affordable rate of premium and you can buy it easily.
Hospitalization Cover
The company will cover the overheads like bed-charges, nursing charges, blood tests, ICU Charges, and other consultation fees if in case you are hospitalized. You can see them below:-
Pre and Post-Hospitalization Expenses
Expenses prior to 30 days to hospitalization will be reimbursed by the company and the Post-hospitalization expenses until 60 days are also covered in this insurance plan.
Cataract Expenses Reimbursement
The treatment of Cataract Illness is covered and those expenses will also be reimbursed. The reimbursement cataract risk will be the lowest of the following:-
Day Care Treatment Risk
Treatments received within 24 hours and the insured is not hospitalized then the expenses for such treatments will also be covered in this insurance plan. This kind of treatment received within 24 hours without being hospitalized is known as the day care treatment.
Dental Treatment and Plastic Surgery Expenses
If the Dental Treatment and Plastic Surgery needed due to any other disease then those expenses will be reimbursed by the company under the Iffco Tokio Arogya Sanjeevani Policy. All the expenses incurred in the Dental Treatment and Plastic Surgery will be covered in this plan.
AYUSH Treatment
All the expenses related to the AYUSH Treatment are covered in this plan. AYUSH treatment stands for Ayurveda, Unani, Siddha, and Homeopathy treatment. So, all the expenses incurred for these treatments are covered in this health plan.
Other Diseases Coverage
You will get a cover of 50% of the Sum Assured if you are going through any treatment mentioned below:-
Ambulance Cover
The ambulance charges are also covered in this plan. So, the coverage for the ambulance expenses will be a maximum of Rs.2000 per hospitalization.
Cover your Family
You can cover your following family members in this plan and it will help you to earn more discounts on the amount of premium.
No Claim Bonus Benefit
If you pass a claim-free year then the company will give you a cumulative bonus and your Sum Assured will be increased. There will be an addition of 5% of the Sum Assured into the existing Sum Assured if you don’t make any claim in a year. Your sum assured will keep on increasing after every claim-free year until it reaches 50% of the Sum Assured.
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 65 Years |
Minimum Age of Entry for a Dependent Child | 90 Days |
Maximum Age of Entry for a Dependent Child | 25 Years |
Minimum Sum Assured | Rs.1 Lac |
Maximum Sum Assured | Rs.5 Lacs |
Policy Term | 1 Year |
There are two waiting periods in this plan and they are for 2 years and 4 years respectively. So you can have a look at the various diseases that need a waiting period of 2 years and 4 years.
Waiting Period of 2 Years
Waiting Period of 4 Years