Insurance Plans September 24, 2020

Iffco Tokio Swasthya Raksha Bima

It has become really important for most of the individuals to take health insurance plans in order to tackle health issues and expenses. There are many individuals who don’t buy a health plan just because of the confusion among too many health plans. So, you can see the Iffco Tokio Swasthya Raksha Bima that is a health plan covering various types of medical expenses. It covers the pre and post hospitalization expenses as well. You can take this health insurance plan at the age of just 18 years and the maximum age of entry is 65 years. So, let’s take a look at all the features and benefits of this insurance plan.

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Features of Swasthya Raksha Bima

  1. 18 Years is the minimum age of entry in this insurance plan.
  2. 65 Years is the maximum age of entry in this insurance plan.
  3. The premium rates are affordable and can be managed by the people living in small towns.
  4. This plan gives you the cover for the expenses of pre-hospitalization and post-hospitalization.
  5. Domiciliary expenses are also covered in this plan.
  6. This plan covers the donor’s expenses as well.
  7. Charges for the Ambulance are covered in this health policy.

Benefits of Swasthya Raksha Bima by Iffco Tokio

There are some exclusive benefits of this health plan and you must explore all of them. See the cover that you will get once you buy the plan.

  1. Expenses done prior to hospitalization up to 30 days are covered in this plan.
  2. You will get a cover for the post-hospitalization expenses for up to 30 days.
  3. Rs.150 is the daily allowance available for the insured.
  4. Domiciliary expenses for up to 20% of the Sum Assured are available for the policyholder.
  5. 1% of the Sum Assured is the per day limit for the Room Expenses.
  6. 2% of the Sum Assured is the per day limit for the Intensive Care and Therapeutic unit.
  7. Actual cost of Hospital and Nursing Charges are covered.
  8. Consultation fees of the Medical Practitioner and Anesthesia will be reimbursed by the company.
  9. Ambulance Charges are also covered up to Rs.750 per hospitalization.
  10. The company will cover the cost of AYSUH Treatment as well and it will include the pre-hospitalization and post-hospitalization charges.

There are some common medical expenses incurred while you are hospitalized. So the company will cover all the expenses that are mentioned below in the Iffco Tokio Swasthya Raksha Bima.

  1. Expenses on Anesthesia
  2. Blood and Oxygen Expenses
  3. Operation Theatre Expenses
  4. Buying Surgical Appliances
  5. Expenses done on Drugs and Medicines
  6. Diagnostic Materials and X-Ray expenses
  7. Expenses done for the Dialysis
  8. Chemotherapy Expenses
  9. Expenses done on Radiotherapy
  10. Cost of the Pacemaker
  11. Artificial Limbs Expenses
  12. Cost of Transplantation
  13. Expenses done on Vitamins and Tonics

Treatments Covered in Iffco Tokio Swasthya Raksha Bima

Here is the list of treatments that are covered in this plan. You can see the amount that you receive if you are going for the following treatments.

Types of TreatmentsCover per Claim
Cataract5% of the Sum Assured with a Maximum of up to Rs.15000
Piles8% of the Sum Assured with a Maximum of up to Rs.25000
Fistula8% of the Sum Assured with a Maximum of up to Rs.25000
Fissure8% of the Sum Assured with a Maximum of up to Rs.25000
Tonsillitis8% of the Sum Assured with a Maximum of up to Rs.25000
Sinusitis8% of the Sum Assured with a Maximum of up to Rs.25000
Benign Prostatic Hypertrophy8% of the Sum Assured with a Maximum of up to Rs.30000
Hernia8% of the Sum Assured with a Maximum of up to Rs.30000
Knee/Hip Joint Replacement30% of the Sum Assured with a Maximum of up to Rs.100000
Cancer30% of the Sum Assured with a Maximum of up to Rs.100000
Renal Failure30% of the Sum Assured with a Maximum of up to Rs.100000
Appendicitis10% of the Sum Assured with a Maximum of up to Rs.25000
Gall Bladder stones10% of the Sum Assured with a Maximum of up to Rs.25000
Hysterectomy10% of the Sum Assured with a Maximum of up to Rs.25000

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