What does the policy not cover?

As the name suggests, this policy can be used to ensure a number of people at once under the same policy, thus making it a viable form of online business insurance. There are various reasons why this policy is affordable for office employees, as well as an extremely affordable choice when it comes to cheap business insurance options. Here are the advantages:

• Expenses for vitamins and tonics will not be covered unless they are a part of the treatment.
• Experimental or non-proven methods of treatment procedures will not be covered under our policies.
• Expenses incurred by you for procedures or investigation for things that are not related or irrelevant to the disease that caused the hospitalization.
• Private nursing charges, expenses of the private doctors or any other similar things will not be covered under IFFCO Tokio’s Group Mediclaim Policy.
• Costs for disorders transmitted through genes and costs for stem implantation or other things will not be covered under our policy.
• Costs of non-medical nature, such as costs for telephones and other services will not be covered by our policies.
• Change of treatment from one place to another place will not be covered by us unless recommended for treatment.
• Treatment for conditions and illnesses arising out of obesity, weight management problems, supplies, etc. will not be offered by us.
• Treatments or medical expenses arising out of the insured person or persons’ participation in but not restricted to scuba diving, motorsport races, climbing mountains or rock climbing, paragliding, etc. will not be covered by us.
• Any treatment or expenses incurred by the insured person at a convalescent home or hospital, nature care hospitals or any other similar kind of establishments will not be offered by us.
• Stay in hospitals for domestic reasons where no active treatment has been provided by the hospital to the insured person or persons will not be covered by us.
• Costs incurred for sex-change operations, out-patient diagnostic operations, use of non-prescribed drugs and medicines, hormone replacement therapy, etc. will not be covered by us.
• Massages, steam bathing or any other kind of ayurvedic treatment will not be offered by us.
• Any kind of service charges such as admission fees, surcharges, registration fees, etc. will not be covered under our policies.
• Pre-hospitalization or post-hospitalization charges for doctor’s home visits. Costs incurred by private nurses and attendants etc. will not be covered under our policy either.
• Treatment and costs incurred by you, which is not related to the disease or illness that caused the hospitalization will not be covered by us.