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IFFCO Tokio Arogya Sanjeevani Health Insurance

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IFFCO Tokio Health Insurance
Arogya Sanjeevani Policy
Claim Settlement Ratio98.90%
Network Hospitals7,400+
PED Waiting Period3 years
Starting Premium (for 5L SI)Rs. 584/month

About IFFCO Tokio Arogya Sanjeevani Health Insurance

IFFCO Tokio Arogya Sanjeevani Policy is a standard health insurance plan that covers all the medical expenses of the insured individual. In case during the policy tenure, an insured individual needs to be hospitalized for the treatment of an injury or illness at a hospital, then the insurance company will pay against all the expenses that are mentioned in the coverage. Also, the policyholder is offered a cumulative bonus for every claim-free year. It can be bought by any individual aged between 18 years and 65 years.

The insurance policy offers coverage for pre-hospitalisation, post-hospitalisation, hospital room rent, daycare procedures, AYUSH treatment, in-patient hospitalisation, dental treatment, ambulance charges expenses etc. The policy gives a sum insured for up to Rs. 5 Lakh and the policy tenure is for 1 year. The policy can be bought both on an individual and family floater basis including for self, spouse, dependent children, parents, and parents in law. However, remember that the age of dependent children should be between 3 months to 25 years. The premium can be paid on a yearly, half-yearly, quarterly or monthly basis.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • Co-payment of 5% on total hospital bill
  • ICU expenses up to Rs. 10,000 per day or up to maximum 5% on sum insured
  • Expenses covered for AYUSH treatment
  • Cumulative bonus for every no claim year up to 5%, that can go up to max 50%
  • Dental treatment expenses due to injury or disease
  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses for up to 60 days and 180 days respectively
  • Expenses related to daycare treatments
  • In-patient hospitalisation expenses for treatments taken under AYUSH systems of medicines
  • Expenses related to domiciliary hospitalisation

What's Not Included

  • Expense for obesity or weight control treatment
  • Expenses for Gender change treatment
  • Maternity Expenses are not covered
  • Expenses for treatment incurred due to adventure or hazardous sports
  • Expenditure incurred on OPD treatment or domiciliary hospitalisation
  • Any illness arising because of the insured committing any breach of law
  • Expenses arising due to treatment required due to civil war or foreign invasion
  • Expenses arising due to war or warlike situations
  • Dietary supplements that can be purchased without a prescription
  • Expenses arising due to cosmetic surgery

7178 IFFCO Tokio Cashless Network Hospitals in India

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Claim Process at IFFCO Tokio Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • How can I buy IFFCO Tokio Arogya Sanjeevani Policy online?

    You can purchase  IFFCO Tokio Arogya Sanjeevani Policy online either from the official website of  IFFCO Tokio General Insurance Company or you can also purchase it from InsuranceDekho website. At InsuranceDekho, you can compare various different health insurance policy quotes online and purchase the best insurance plan as per your individual requirements and budget.

  • Can I avail AYUSH treatment with IFFCO Tokio Arogya Sanjeevani Policy?

    Yes, you can avail AYUSH treatment under IFFCO Tokio Arogya Sanjeevani Policy. The insurance company will pay for healthcare expenses incurred for in-patient hospitalisation treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy medicine systems during every policy tenure up to the sum insured limit as specified in the insurance policy schedule in any AYUSH hospital.

  • How can I cancel my IFFCO Tokio Arogya Sanjeevani Policy?

    In case, you are not satisfied with the terms and conditions mentioned in the IFFCO Tokio Arogya Sanjeevani Policy, then you can cancel the contract. However, the cancellation and return of the insurance policy should be done within 15 days from the issuance of the insurance plan. The premium paid at the time of purchasing the policy will be returned to you after the deduction of stamp charges and taxes. Also, you should remember that the policy cancellation can take place only if no claims have been raised by you.

  • Is there a free look period in IFFCO Tokio Arogya Sanjeevani Policy?

    Yes, a free look period of 15 days is applicable at the time of issuance of IFFCO Tokio Arogya Sanjeevani Policy but it is not available during renewal or porting of the insurance plan. In case, within the 15 days period of reviewing the terms and conditions of the insurance plan, you are not satisfied with it then it can be returned to the insurance company.  

  • What is the grace period under IFFCO Tokio Arogya Sanjeevani Policy?

    If you have selected an annual premium payment mode, then a fixed grace period of 30 days is allowed whereas, for other payment modes, a fixed 15 days period is permitted as grace period. A grace period is the relaxation period offered to the policyholder for payment of premium to renew their policy if they have missed to renew it before the due date or expiry date of the insurance plan.

  • What are the sum insured options available under ManipalCigna’s Lifetime Health Insurance Policy?

    Lifetime Health Insurance Policy offered by ManipalCigna Health insurance comes with sum insured options of up to Rs. 3 Crore each, for domestic and global coverage. 

  • Is there any restriction on room category under Lifetime Health Insurance Policy?

    Under Lifetime Health Insurance Policy, you can choose any room rent category except suite or higher category if the sum insured chosen is up to Rs. 2 crores. For sum insured of up to Rs. 3 Crore, you can choose any room rent category including suite. Also, there is no capping on room rent for hospitalisation outside India under global coverage. 

  • Who is eligible for Lifetime Health Insurance Policy?

    The minimum entry age under the policy for a child is 91 days and for an adult it is 18 years. Whereas the maximum entry age for a child and an adult is 25 years (in a family floater policy) and 65 years respectively.

  • What are the options for policy terms available under Lifetime Health Insurance Policy?

    Lifetime Health Insurance Policy is available for terms of 1 year, 2 years, or 3 years. You can choose the term as per budget and other requirements. 

  • Which relationships are covered under Lifetime Health Insurance Policy?

    Lifetime health Insurance Policy can be bought for self, legally wedded spouse, parents, children, siblings, parents in-laws, grandparents and grandparents, grandchildren, son in-law and daughter in-law, uncle, aunt, niece and nephew.

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