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Arogya Sanjeevani Policy

The standard health insurance policy for covering your medical expenses.

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Benefits of Buying Arogya Sanjeevani Policy

Key Features of Arogya Sanjeevani Policy By IFFCO- Tokio

Key Features Benefits of IFFCO-Tokio
Sum Insured Rs. 1 lakh to Rs. 5 lakhs
Room Charges Up to 2% of the sum insured subject to maximum of Rs.5000/- per day
ICU Charges Up to 5% of the sum insured subject to maximum of Rs.10,000/- per day
Ambulance Charges Covered up to Rs. 2,000 per hospitilization
Daily Allowance Cover Not Available
Co-pay 5% co-payment
Critical Illness Not covered
No medical test upto Age 55
Reinstatement Benefit Not Available
Day Care Cover 12 Diseases covered upto 50% of Sum Insured
Online Renewal NA
Lifelong renewal Yes
Tax Benefit under 80D Available
Cashless Treatment Available at 7500+ Hospitals
Covid-19 Treatment Covered
Claim Assistance With 24/7 customer service
Pre and Post Hospitilisation Expenses Covered
Nursing Expenses Covered
Members Covered Yourself, wedded spouse, parents, parents-in-law, dependent children between the age 3 months to 25 years

  • Hospitalization expenses will be payable, for:
    • Room Rent, Boarding, Nursing Expenses up to 2% of the sum insured subject to maximum of Rs.5000 per day.
    • Intensive Care Unit (ICU) / (ICCU) expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day.

  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.

  • Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities and such similar other expenses.

  • Cataract: Up to 25% of Sum insured or Rs.40,000, whichever is lower (for each eye). 

  • Dental treatment, necessitated due to disease or injury

  • AYUSH Treatment

  • Expenses incurred on road Ambulance subject to a maximum of Rs.2000 per hospitalisation.

  • Expenses related to any admission primarily for diagnostics and evaluation purposes.

  • Rest Cure, rehabilitation and respite care.

  • Obesity/Weight Control-Expenses related to the surgical treatment of obesity 

  • Change-of-Gender treatments

  • Cosmetic or plastic Surgery

  • Hazardous or adventure sports

  • Breach of law

  • Excluded providers

  • Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof.

  • Dietary supplements and substances that can be purchased without prescription.

  • Refractive errors related treatment expenses, unproven treatments, sterility & infertility

  • Maternity expenses

  • War (whether declared or not) Nuclear, chemical or biological attack or weapons etc

  • Any expenses incurred on Domiciliary Hospitalization and OPD treatment

  • Treatment taken outside the geographical limits of India
  • In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule

 


Pre-Existing Diseases: Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us.
 
  • First Thirty Days Waiting Period: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
  • Specific Waiting Period: Expenses related to the treatment of the listed conditions, shall be excluded until the expiry of 24/48 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer.

 

The insured may cancel this policy by giving 15 days written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired policy period.

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