Iffco Tokio Arogya Sanjeevani Policy

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.

Exclusive Features of Tokio Sanjeevani Policy

1. This insurance allows you to cover your family members as well under the same plan.
2. There is no need for a health check-up until the age of 50 years.
3. Adding more members under the same plan will earn you some extra discounts.
4. All the expenses for the AYUSH Treatment are also covered in this plan.
5. Tax Deduction is allowed in this plan as per the tax laws.
6. 90 days is the minimum age of entry for a dependent child.

Benefits of Arogya Sanjeevani Policy by Iffco Tokio

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:-

1. Room’s Rent cover is 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent cover is 5% of the Sum Assured of up to Rs.10000.

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:-

1. 25% of the Sum Assured
2. Rs.40000

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:-

1. Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
2. Balloon Sinoplasty
3. Deep Brain Stimulation
4. Oral Chemotherapy
5. Immunotherapy – Monoclonal antibody to be given as an injection
6. Intravitreal injections
7. Robotic Surgeries
8. Stereotactic radio surgeries
9. Bronchial Thermoplasty
10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
11. IONM – (Intra Operative Neuro Monitoring)
12. Stem Cell Therapy

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.

1. Spouse
2. Children
3. Parents
4. In-laws

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.

Eligibility Criteria of Iffco Tokio Arogya Sanjeevani Policy

Waiting Period of this Health Plan

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

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy

Waiting Period of 4 Years

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis