IFFCO Tokio Arogya Sanjeevani Policy

Most people give priority to their health. They eat nutritious food and exercise daily. However, many often fail to do the planning of health management expenses. When a medical emergency arises, they have to face difficulty managing hospitalisation expenses. While nothing can assure a healthy life, choosing a good health insurance plan will help you get good quality cashless treatment in the network hospitals.

To make health insurance more accessible and affordable for the common man, IRDA (Insurance Regulatory and Development Authority) introduced the Arogya Sanjeevani Policy. The regulatory authority has made it mandatory for all insurance companies to sell this policy.

The prime objective of the IFFCO Tokio Arogya Sanjeevani Policy is to ensure that more people would be able to get AYUSH and allopathy treatment without worrying about the cost. They should be able to live a healthy lifestyle by getting cashless treatment whenever they need it.

Each IFFCO Tokio Health Insurance Plan differs based on the eligibility criteria, coverage, exclusions, and procedure of applying for a claim. Please check out the details of coverage under IFFCO Tokio Arogya Sanjeevani Policy here:

• Hospitalisation expenses: Up to 2% of the sum insured value (maximum INR 5,000 per day) will be payable for the room rent and nursing expenses under this scheme.

• ICU expenses: Up to 5% of the sum insured value (maximum INR 10,000 per day) will be payable for the ICU expenses under IFFCO Tokio Arogya Sanjeevani Policy.

• Cataract treatment: Up to 25% of the sum insured (INR 40,000) is paid for the cataract treatment.

• Dental Treatment: If any dental treatment is needed due to accidental injury, it is covered under this scheme.

• AYUSH Treatment: One of the best features of this policy is that it covers AYUSH treatments and allopathy treatments.

• Ambulance charges: To cover the ambulance charges, up to INR 2,000 are paid.

• Pre and Post-hospitalisation expenses: Pre-hospitalisation expenses of up to 30 days are covered under this scheme. In addition, post-hospitalisation expenses of up to 60 days are covered from the discharge date.

• Other medical expenses: Other medical expenses (expenses on diagnostic tests, medications, surgical appliances, anaesthesia, blood, oxygen cylinder, etc.) are covered.

Learn more about the IFFCO Tokio Arogya Sanjeevani Policy here and make it your helping hand in any medical emergency.

• Get a high sum insured: Get the sum insured between INR 1 lakh and INR 5 lakhs under Arogya Sanjeevani Policy.

• Cashless treatment: Cashless treatment is available in over 7500 network hospitals if you buy IFFCO Tokio Arogya Sanjeevani Policy.

• Income tax benefit: The policyholders of this scheme get the income tax benefit under 80D.

• Medical coverage for your child: You can get medical coverage for your children if they are between 3 months and 25 years of age and financially dependent on you.

• No pre-policy medical test: No medical test is required to buy this policy if your age is less than 55 years.

It is very important to understand the concept of waiting periods in the IFFCO Tokio Arogya Sanjeevani Policy. Read the following points as you decide about the policy’s usefulness for you:

• Accidental hospitalisation is excluded from the waiting period and is covered from day 1

• From the day of the policy’s commencement, the request for claims for any illness will be accepted after 30 days.

• Medical expenses related to listed ailments and procedures are covered when the policy continues for 24/48 months.

The claim requests for the following conditions/ treatments will not be accepted:

• Surgical treatment of obesity
• Plastic surgery
• Injuries due to participation in adventure sports
• Gender change treatment
• Drug and alcohol abuse treatment
• Maternity costs
• OPD treatment
• If you get your treatment done outside India
• Injury due to wars
• Dietary supplements without a doctor’s prescription.

If you visit any network hospital that is associated with IFFCO Tokio Arogya Sanjeevani Policy, you have to request cashless treatment by following the certain procedure:

• If your hospitalisation is pre-planned, you should inform IFFCO Tokio General Insurance 48 hours before admission. You will get the - consent for getting the cashless treatment within this period.

You should inform about the emergency hospitalisation of the IFFCO Tokio General Insurance to get a cashless treatment within 24 hours.

• You will be given a pre-authorisation form in the network hospital to fill out the necessary details about the patient.

• This form should be signed by the hospital authorities and insured to confirm the details.

• The hospital will send your form to the Health Administration Team. The team verifies the details, and consent for cashless treatment is given.

If you can not get cashless treatment, you can ask for a reimbursement claim from the IFFCO Tokio General Insurance by following the process that is given below:

• Inform the company about planned hospitalisation at least 3 days before admission. In case of emergency hospitalisation, you must - inform IFFCO Tokio General Insurance within 24 hours of admission

• You will have to pay for the treatment taken upfront

• You have to collect all the documents related to your hospitalisation to submit to the company within 30 days from the date of getting discharged from the hospital.

• After verifying all the details, the company is accountable for paying you per the policy's terms and conditions.

To sum up, IFFCO Tokio Arogya Sanjeevani Policy is one of the best health insurance policies by IFFCO Tokio. You can consider choosing it if you want to have guarantee of your and your family’s well-being. You will be able to get the best financial support if any medical emergency comes knocking at your door.