Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920

PROSPECTUS/ SALES LITERATURE

1. INTRODUCTION

If during the policy period one or more Insured Person (s) is required to be hospitalized for treatment of an Illness
or Injury at a Hospital/ Day Care Centre, following Medical Advice of a duly qualified Medical Practitioner, the
Company shall indemnify Medically necessary expenses towards the Coverage mentioned in the policy
schedule.

Provided further that, any amount payable under the policy shall be subject to the terms of coverage (including
any co-pay, sub limits), exclusions, conditions and definitions contained herein. Maximum liability of the
Company under all such Claims during each Policy Year shall be the Sum Insured (Individual or Floater) opted
and Cumulative Bonus (if any) specified in the Schedule.

2. COVERAGE
The covers listed below are in-built Policy benefits and shall be available to all Insured Persons in accordance with
the procedures set out in this Policy.

2.1 Hospitalization
The Company shall indemnify medical expenses incurred for Hospitalization of the Insured Person during the
Policy year, up to the Sum Insured and Cumulative Bonus specified in the policy schedule, for,
i. Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home up to 2% of the sum
insured subject to maximum of Rs.5000/-, per day.
ii. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses up to 5% of sum insured subject to
maximum of Rs.10,000/- per day.
iii. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating
doctor / surgeon or to the hospital
iv. Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs
towards diagnostics, diagnostic imaging modalities and such similar other expenses.

2.1.1.Other expenses
i. Expenses incurred on treatment of cataract subject to the sub limits
ii. Dental treatment, necessitated due to disease or injury
iii. Plastic surgery necessitated due to disease or injury
iv. All the day care treatments
v. Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalisation.

Note:
1. Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible. However,
the time limit shall not apply in respect of Day Care Treatment

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 1 of 18
2. In case of admission to a room/ICU/ICCU at rates exceeding the aforesaid limits, the reimbursement/payment of
all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same
proportion as the admissible rate per day bears to the actual rate per day of Room Rent/ICU/ICCU charges.

2.2 AYUSH Treatment

The Company shall indemnify medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and
Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum
insured as specified in the policy schedule in any AYUSH Hospital.

2.3 Cataract Treatment

The Company shall indemnify medical expenses incurred for treatment of Cataract, subject to a limit of 25% of
Sum Insured orRs.40,000/-, whichever is lower, per each eye in one policy year.

2.4 Pre Hospitalization

The company shall indemnify pre-hospitalization medical expenses incurred, related to an admissible
hospitalization requiring inpatient care, for a fixed period of 30 days prior to the date of admissible hospitalization
covered under the policy.

2.5 Post Hospitalisation

The company shall indemnify post hospitalization medical expenses incurred, related to an admissible
hospitalization requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital,
following an admissible hospitalization covered under the policy.

2.6 The following procedures will be covered (wherever medically indicated) either as in patient or as part of day
care treatment in a hospital upto 50% of Sum Insured, specified in the policy schedule, during the policy period:
A. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
B. Balloon Sinuplasty
C. Deep Brain stimulation
D. Oral chemotherapy
E. Immunotherapy- Monoclonal Antibody to be given as injection
F. Intra vitreal injections
G. Robotic surgeries
H. Stereotactic radio surgeries
I. Bronchical Thermoplasty
J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
K. IONM - (Intra Operative Neuro Monitoring)
L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to
be covered.

2.7 The expenses that are not covered in this policy are placed under List-I of Annexure-A. The list of expenses
that are to be subsumed into room charges, or procedure charges or costs of treatment are placed under List-II,
List-III and List-IV of Annexure-A respectively.

3. Cumulative Bonus (CB)

Cumulative Bonus will be increased by 5% in respect of each claim free policy year (where no claims are reported),
provided the policy is renewed with the company without a break subject to maximum of 50% of the sum insured
under the current policy year. If a claim is made in any particular year, the cumulative bonus accrued shall be
reduced at the same rate at which it has accrued. However, sum insured will be maintained and will not be reduced
in the policy year.

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 2 of 18
 Notes:
i. In case where the policy is on individual basis, the CB shall be added and available individually to the insured
person if no claim has been reported. CB shall reduce only in case of claim from the same Insured Person.
ii. In case where the policy is on floater basis, the CB shall be added and available to the family on floater basis,
provided no claim has been reported from any member of the family. CB shall reduce in case of claim from any
of the Insured Persons.
iii. CB shall be available only if the Policy is renewed/ premium paid within the Grace Period.
iv. If the Insured Persons in the expiring policy are covered on an individual basis as specified in the Policy
Schedule and there is an accumulated CB for such Insured Person under the expiring policy, and such expiring
policy has been Renewed on a floater policy basis as specified in the Policy Schedule then the CB to be carried
forward for credit in such Renewed Policy shall be the one that is applicable to the lowest among all the Insured
Persons
v. In case of floater policies where Insured Persons Renew their expiring policy by splitting the Sum Insured in to
two or more floater policies/individual policies or in cases where the policy is split due to the child attaining the
age of 25 years, the CB of the expiring policy shall be apportioned to such Renewed Policies in the proportion
of the Sum Insured of each Renewed Policy
vi. If the Sum Insured has been reduced at the time of Renewal, the applicable CB shall be reduced in the same
proportion to the Sum Insured in current Policy.
vii. If the Sum Insured under the Policy has been increased at the time of Renewal the CB shall be calculated on
the Sum Insured of the last completed Policy Year.
viii. If a claim is made in the expiring Policy Year, and is notified to Us after the acceptance of Renewal premium
any awarded CB shall be withdrawn

4. Waiting Period
The Company shall not be liable to make any payment under the policy in connection with or in respect of following
expenses till the expiry of waiting period mentioned below:

4.1 Pre-Existing Diseases(Code- Excl01)

a) 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.
b) In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured
increase.
c) If the Insured Person is continuously covered without any break as defined under the portability norms of
the extant IRDAI (Health Insurance) Regulations then waiting period for the same would be reduced to the
extent of prior coverage.
d) Coverage under the policy after the expiry of 48 months for any pre-existing disease is subject to the
same being declared at the time of application and accepted by us.

4.2 First Thirty Days Waiting Period(Code- Excl03)

i. 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.
ii. This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve
months.
iii. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting
higher sum insured subsequently.

4.3 Specific Waiting Period: (Code- Excl02)

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 3 of 18
a) Expenses related to the treatment of the following listed conditions, surgeries/treatments 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. This exclusion shall not be applicable for claims arising due to an accident.
b) In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase.
c) If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then
the longer of the two waiting periods shall apply.
d) The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted
without a specific exclusion.
e) If the Insured Person is continuously covered without any break as defined under the applicable norms on
portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior
coverage.

i. 24 Months waiting period

1. Benign ENT disorders
2. Tonsillectomy
3. Adenoidectomy
4. Mastoidectomy
5. Tympanoplasty
6. Hysterectomy
7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
8. Benign prostate hypertrophy
9. Cataract and age related eye ailments
10. Gastric/ Duodenal Ulcer
11. Gout and Rheumatism
12. Hernia of all types
13. Hydrocele
14. Non Infective Arthritis
15. Piles, Fissures and Fistula in anus
16. Pilonidal sinus, Sinusitis and related disorders
17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.
19. Varicose Veins and Varicose Ulcers
20. Internal Congenital Anomalies

ii. 48 Months waiting period

1. Treatment for joint replacement unless arising from accident
2. Age-related Osteoarthritis & Osteoporosis

5. EXCLUSIONS
The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in
connection with or in respect of:

5.1 Investigation & Evaluation(Code- Excl04)

a) Expenses related to any admission primarily for diagnostics and evaluation purposes.
b) Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment

5.2 Rest Cure, rehabilitation and respite care(Code- Excl05)

a) Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This
also includes:

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 4 of 18
 i. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily
living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled
persons.
ii. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.

5.3 Obesity/ Weight Control(Code- Excl06)

Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
1) Surgery to be conducted is upon the advice of the Doctor
2) The surgery/Procedure conducted should be supported by clinical protocols
3) The member has to be 18 years of age or older and
4) Body Mass Index (BMI);
a) greater than or equal to 40 or
b) greater than or equal to 35 in conjunction with any of the following severe co-morbidities
following failure of less invasive methods of weight loss:
i. Obesity-related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type2 Diabetes

5.4 Change-of-Gender treatments: (Code- Excl07)

Expenses related to any treatment, including surgical management, to change characteristics of the body to
those of the opposite sex.

5.5 Cosmetic or plastic Surgery: (Code- Excl08)

Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction
following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and
immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the
attending Medical Practitioner.

5.6 Hazardous or Adventure sports: (Code- Excl09)

Expenses related to any treatment necessitated due to participation as a professional in hazardous or
adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor
racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.

5.7 Breach of law: (Code- Excl10)

Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting
to commit a breach of law with criminal intent.

5.8 Excluded Providers: (Code-Excl11)

Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider
specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not
admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of
stabilization are payable but not the complete claim.

5.9 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences
thereof.(Code- Excl12)

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 5 of 18
 5.10 Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds
registered as a nursing home attached to such establishments or where admission is arranged wholly or
partly for domestic reasons. (Code- Excl13)

5.11 Dietary supplements and substances that can be purchased without prescription, including but not limited
to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of
hospitalization claim or day care procedure (Code- Excl14)

5.12 Refractive Error:(Code- Excl15)

Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.

5.13 Unproven Treatments:(Code- Excl16)

Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.
Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to
support their effectiveness.

5.14 Sterility and Infertility: (Code- Excl17)

Expenses related to sterility and infertility. This includes:
(i) Any type of sterilization
(ii) Assisted Reproduction services including artificial insemination and advanced reproductive
technologies such as IVF, ZIFT, GIFT, ICSI
(iii) Gestational Surrogacy
(iv) Reversal of sterilization

5.15 Maternity Expenses (Code - Excl 18):

i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean
sections incurred during hospitalization) except ectopic pregnancy;
ii. expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy
during the policy period.

5.16 War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities,
civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest,
restraints and detainment of all kinds.

5.17 Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any
other cause or event contributing concurrently or in any other sequence to the loss, claim or expense.
For the purpose of this exclusion:
a) Nuclear attack or weapons means the use of any nuclear weapon or device or waste or combustion
of nuclear fuel or the emission, discharge, dispersal, release or escape of fissile/ fusion material emitting a
level of radioactivity capable of causing any Illness, incapacitating disablement or death.
b) Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any
solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any
Illness, incapacitating disablement or death.
c) Biological attack or weapons means the emission, discharge, dispersal, release or escape of any
pathogenic (disease producing) micro-organisms and/or biologically produced toxins (including genetically
modified organisms and chemically synthesized toxins) which are capable of causing any Illness,
incapacitating disablement or death.
5.18 Any expenses incurred on Domiciliary Hospitalization and OPD treatment

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 6 of 18
 5.19 Treatment taken outside the geographical limits of India

5.20 In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based
on insured’s consent), policyholder is not entitled to get the coverage for specified ICD codes.

6. Moratorium Period: After completion of eight continuous years under this policy no look back would be
applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the
sums insured of the first policy and subsequently completion of eight continuous years would be applicable
from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period
no claim under this policy shall be contestable except for proven fraud and permanent exclusions specified in
the policy contract. The policies would however be subject to all limits, sub limits, co-payments as per the
policy.

7. CLAIM PROCEDURE

1.1Procedure for Cashless claims:

(i) Treatment may be taken in a network provider and is subject to pre authorization by the Company or its
authorized TPA. (ii) Cashless request form available with the network provider and TPA shall be completed and
sent to the Company/TPA for authorization. (iii) The Company/ TPA upon getting cashless request form and
related medical information from the insured person/ network provider will issue pre-authorization letter to the
hospital after verification. (iv) At the time of discharge, the insured person has to verify and sign the discharge
papers, pay for non-medical and inadmissible expenses. (v) The Company / TPA reserves the right to deny pre-
authorization in case the insured person is unable to provide the relevant medical details. (vi) In case of denial of
cashless access, the insured person may obtain the treatment as per treating doctor’s advice and submit the claim
documents to the Company / TPA for reimbursement.
1.2 Procedure for reimbursement of claims:
For reimbursement of claims the insured person may submit the necessary documents to TPA(if
applicable)/Company within the prescribed time limit as specified hereunder.

Sl Type of Claim Prescribed Time limit

No
1. Reimbursement of hospitalization, day care and pre Within thirty days of date of discharge from
hospitalization expenses hospital
2. Reimbursement of post hospitalization expenses Within fifteen days from completion of post
hospitalization treatment

7.1 Notification of Claim

, Notice with full particulars shall be sent to the Company/TPA (if applicable) as under:
i. Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge
from Hospital, whichever is earlier.
ii. At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.

7.2 Documents to be submitted:

The reimbursement claim is to be supported with the following documents and submitted within the prescribed time
limit.
i. Duly Completed claim form
ii. Photo Identity proof of the patient
iii. Medical practitioner’s prescription advising admission

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 7 of 18
 iv. Original bills with itemized break-up
v. Payment receipts
vi. Discharge summary including complete medical history of the patient along with other details.
vii. Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical
practitioner
viii. OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases).
ix. Sticker/Invoice of the Implants, wherever applicable.
x. MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where
ever applicable.
xi. NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque
xii. KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per
AML Guidelines
xiii. Legal heir/succession certificate , wherever applicable
xiv. Any other relevant document required by Company/TPA for assessment of the claim.

Note:
1. The company shall only accept bills/invoices/medical treatment related documents only in the Insured
Person’s name for whom the claim is submitted
2. In the event of a claim lodged under the Policy and the original documents having been submitted to any other
insurer, the Company shall accept the copy of the documents and claim settlement advice, duly certified by
the other insurer subject to satisfaction of the Company
3. Any delay in notification or submission may be condoned on merit where delay is proved to be for reasons
beyond the control of the Insured Person

7.3 Co-payment
Each and every claim under the Policy shall be subject to a Copayment of 5% applicable to claim amount
admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction
of the copayment.

7.4 Claim Settlement (provision for Penal Interest)

i. The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last
necessary document.
ii. In the case of delay in the payment of a claim, the Company shall be liable to pay interest from the date of
receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.
iii. However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall
initiate and complete such investigation at the earliest in any case not later than 30 days from the date of
receipt of last necessary document. In such cases, the Company shall settle the claim within 45 days from the
date of receipt of last necessary document.
iv. In case of delay beyond stipulated 45 days the company shall be liable to pay interest at a rate 2% above the
bank rate from the date of receipt of last necessary document to the date of payment of claim.

7.5 Services Offered by TPA

Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of pre-authorization of
cashless treatment or processing of claims other than cashless claims or both, as per the underlying terms and
conditions of the policy.
The services offered by a TPA shall not include
i. Claim settlement and claim rejection;
ii. Any services directly to any insured person or to any other person unless such service is in accordance with
the terms and conditions of the Agreement entered into with the Company.

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 8 of 18
 7.6 Payment of Claim
All claims under the policy shall be payable in Indian currency only.

8. GENERAL TERMS &CONDITIONS

8.1 Disclosure of Information

The Policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of
misrepresentation, mis-description or non-disclosure of any material fact.

8.2 Condition Precedent to Admission of Liability

The due observance and fulfilment of the terms and conditions of the policy, by the insured person, shall be a
condition precedent to any liability of the Company to make any payment for claim(s) arising under the policy.

Material Change
8.3
The Insured shall notify the Company in writing of any material change in the risk in relation to the declaration
made in the proposal form or medical examination report at each Renewal and the Company may, adjust the
scope of cover and / or premium, if necessary, accordingly.

Records to be Maintained
8.4
The Insured Person shall keep an accurate record containing all relevant medical records and shall allow the
Company or its representatives to inspect such records. The Policyholder or Insured Person shall furnish such
information as the Company may require for settlement of any claim under the Policy, within reasonable time limit
and within the time limit specified in the Policy

8.5 Complete Discharge

Any payment to the Insured Person or his/ her nominees or his/ her legal representative or to the Hospital/Nursing
Home or Assignee, as the case may be, for any benefit under the Policy shall in all cases be a full, valid and an
effectual discharge towards payment of claim by the Company to the extent of that amount for the particular claim

Notice & Communication

8.6
i. Any notice, direction, instruction or any other communication related to the Policy should be made in writing.
ii. Such communication shall be sent to the address of the Company or through any other electronic modes
specified in the Policy Schedule.
iii. The Company shall communicate to the Insured at the address or through any other electronic mode
mentioned in the schedule.

8.7 Territorial Limit

All medical treatment for the purpose of this insurance will have to be taken in India only.

8.8 Multiple Policies

1. In case of multiple policies taken by an insured during a period from the same or one or more insurers to
indemnify treatment costs, the policyholder shall have the right to require a settlement of his/her claim in terms of
any of his/her policies. In all such cases the insurer if chosen by the policy holder shall be obliged to settle the
claim as long as the claim is within the limits of and according to the terms of the chosen policy.

2. Policyholder having multiple policies shall also have the right to prefer claims under this policy for the amounts
disallowed under any other policy / policies, even if the sum insured is not exhausted. Then the Insurer(s) shall
independently settle the claim subject to the terms and conditions of this policy.

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 9 of 18
3. If the amount to be claimed exceeds the sum insured under a single policy after, the policyholder shall have the
right to choose insurers from whom he/she wants to claim the balance amount.
4. Where an insured has policies from more than one insurer to cover the same risk on indemnity basis, the
insured shall only be indemnified the hospitalization costs in accordance with the terms and conditions of the
chosen policy.

8.9 Fraud
If any claim made by the insured person, is in any respect fraudulent, or if any false statement, or declaration is
made or used in support thereof, or if any fraudulent means or devices are used by the insured person or anyone
acting on his/her behalf to obtain any benefit under this policy, all benefits under this policy shall be forfeited.
Any amount already paid against claims which are found fraudulent later under this policy shall be repaid by all
person(s) named in the policy schedule, who shall be jointly and severally liable for such repayment.
For the purpose of this clause, the expression "fraud" means any of the following acts committed by the
Insured Person or by his agent, with intent to deceive the insurer or to induce the insurer to issue a
insurance Policy:—
(a) the suggestion, as a fact of that which is not true and which the Insured Person does not believe
to be true;
(b) the active concealment of a fact by the Insured Person having knowledge or belief of the fact;
(c) any other act fitted to deceive; and
(d) any such act or omission as the law specially declares to be fraudulent

The company shall not repudiate the policy on the ground of fraud, if the insured person / beneficiary can
prove that the misstatement was true to the best of his knowledge and there was no deliberate intention to
suppress the fact or that such mis-statement of or suppression of material fact are within the knowledge of
the insurer. Onus of disproving is upon the policyholder, if alive, or beneficiaries.

8.10 Cancellation
a) The Insured may cancel this Policy by giving 15days’ written notice, and in such an event, the Company shall
refund premium on short term rates for the unexpired Policy Period as per the rates detailed below.

Refund %
Refund of Premium (basis Policy Period)
Timing of Cancellation 1 Yr
Up to 30 days 75.00%
31 to 90 days 50.00%
3 to 6 months 25.00%
6 to 12 months 0.00%

Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of
Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the
Insured person under the Policy.
b) The Company may cancel the Policy at any time on grounds of mis-representation, non-disclosure of material
facts, fraud by the Insured Person, by giving 15 days’ written notice. There would be no refund of premium on
cancellation on grounds of mis-representation, non-disclosure of material facts or fraud.

8.11 Automatic change in Coverage under the policy

The coverage for the Insured Person(s) shall automatically terminate:
1. In the case of his/ her (Insured Person) demise.

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 10 of 18
However the cover shall continue for the remaining Insured Persons till the end of Policy Period. The other insured
persons may also apply to renew the policy. In case, the other insured person is minor, the policy shall be renewed
only through any one of his/her natural guardian or guardian appointed by court. All relevant particulars in respect
of such person (including his/her relationship with the insured person) must be submitted to the company along
with the application. Provided no claim has been made, and termination takes place on account of death of the
insured person, pro-rata refund of premium of the deceased insured person for the balance period of the policy will
be effective.

2. Upon exhaustion of sum insured and cumulative bonus, for the policy year. However, the policy is subject to
renewal on the due date as per the applicable terms and conditions.

8.12 Territorial Jurisdiction

All disputes or differences under or in relation to the interpretation of the terms, conditions, validity, construct,
limitations and/or exclusions contained in the Policy shall be determined by the Indian court and according to
Indian law.

8.13 Arbitration
i. If any dispute or difference shall arise as to the quantum to be paid by the Policy, (liability being otherwise
admitted) such difference shall independently of all other questions, be referred to the decision of a sole
arbitrator to be appointed in writing by the parties here to or if they cannot agree upon a single arbitrator within
thirty days of any party invoking arbitration, the same shall be referred to a panel of three arbitrators,
comprising two arbitrators, one to be appointed by each of the parties to the dispute/difference and the third
arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in accordance
with the provisions of the Arbitration and Conciliation Act 1996, as amended by Arbitration and Conciliation
(Amendment) Act, 2015 (No. 3 of 2016).
ii. It is clearly agreed and understood that no difference or dispute shall be preferable to arbitration as herein
before provided, if the Company has disputed or not accepted liability under or in respect of the policy.
iii. It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit
upon the policy that award by such arbitrator/arbitrators of the amount of expenses shall be first obtained.

8.14 Migration:
The Insured Person will have the option to migrate the Policy to other health insurance products/plans offered by
the company as per extant Guidelines related to Migration. If such person is presently covered and has been
continuously covered without any lapses under any health insurance product/plan offered by the company, as per
Guidelines on migration, the proposed Insured Person will get all the accrued continuity benefits in waiting periods
as per below:
i. The waiting periods specified in Section 6 shall be reduced by the number of continuous preceding years
of coverage of the Insured Person under the previous health insurance Policy.
ii. Migration benefit will be offered to the extent of sum of previous sum insured and accrued bonus/multiplier
benefit (as part of the base sum insured), migration benefit shall not apply to any other additional
increased Sum Insured.

For Detailed Guidelines on Migration, kindly refer the link

https://www.irdai.gov.in/ADMINCMS/cms/whatsNew_Layout.aspx?page=PageNo3987&flag=1

8.15 Portability
The Insured Person will have the option to port the Policy to other insurers as per extant Guidelines related to
portability. If such person is presently covered and has been continuously covered without any lapses under any

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 11 of 18
health insurance plan with an Indian General/Health insurer as per Guidelines on portability, the proposed Insured
Person will get all the accrued continuity benefits in waiting periods as under:
i. The waiting periods specified in Section 6 shall be reduced by the number of continuous preceding years
of coverage of the Insured Person under the previous health insurance Policy.
ii. Portability benefit will be offered to the extent of sum of previous sum insured and accrued bonus (as part
of the base sum insured), portability benefit shall not apply to any other additional increased Sum Insured.

For Detailed Guidelines on Portability, kindly refer the link

https://www.irdai.gov.in/ADMINCMS/cms/frmGeneral_Layout.aspx?page=PageNo2908&flag=1
https://www.irdai.gov.in/ADMINCMS/cms/whatsNew_Layout.aspx?page=PageNo3987&flag=1

8.16 Renewal of Policy

The policy shall ordinarily be renewable except on grounds of fraud, moral hazard, misrepresentation by the
insured person. The Company is not bound to give notice that it is due for renewal.
i. Renewal shall not be denied on the ground that the insured had made a claim or claims in the preceding policy
years
ii. Request for renewal along with requisite premium shall be received by the Company before the end of the
Policy Period.
iii. At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period to
maintain continuity of benefits without Break in Policy. Coverage is not available during the grace period.
iv. If not renewed within Grace Period after due renewal date, the Policy shall terminate.

8.17 Premium Payment in Installments

If the insured person has opted for Payment of Premium on an installment basis i.e. Half Yearly, Quarterly
or Monthly, as mentioned in Your Policy Schedule/Certificate of Insurance, the following Conditions shall
apply (notwithstanding any terms contrary elsewhere in the Policy)
i. Grace Period of 15 days would be given to pay the installment premium due for the Policy.
ii. During such grace period, Coverage will not be available from the installment premium payment due
date till the date of receipt of premium by Company.
iii. The Benefits provided under – “Waiting Periods”, “Specific Waiting Periods” Sections shall continue in
the event of payment of premium within the stipulated grace Period.
iv. No interest will be charged If the installment premium is not paid on due date.
v. In case of installment premium due not received within the grace Period, the Policy will get cancelled.

8.18 Possibility of Revision of Terms of the Policy Including the Premium Rates
The Company, with prior approval of IRDAI, may revise or modify the terms of the policy including the premium
rates. The insured person shall be notified three months before the changes are affected.

8.19 Free look period

The Free Look Period shall be applicable at the inception of the Policy and not on renewals or at the time of porting
the policy.
The insured shall be allowed a period of fifteen days from date of receipt of the Policy to review the terms and
conditions of the Policy, and to return the same if not acceptable.
If the insured has not made any claim during the Free Look Period, the insured shall be entitled to
i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the
insured person and the stamp duty charges; or
ii. where the risk has already commenced and the option of return of the Policy is exercised by the insured, a
deduction towards the proportionate risk premium for period of cover or

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 12 of 18
iii. Where only a part of the insurance coverage has commenced, such proportionate premium commensurate
with the insurance coverage during such period;

8.20 Endorsements (Changes in Policy)

i. This policy constitutes the complete contract of insurance. This Policy cannot be modified by anyone
(including an insurance agent or broker) except the company. Any change made by the company shall be
evidenced by a written endorsement signed and stamped.
ii. The policyholder may be changed only at the time of renewal. The new policyholder must be the legal
heir/immediate family member. Such change would be subject to acceptance by the company and payment of
premium (if any). The renewed Policy shall be treated as having been renewed without break.
The policyholder may be changed during the Policy Period only in case of his/her demise or him/her moving out of
India.

8.21 Change of Sum Insured

Sum insured can be changed (increased/ decreased) only at the time of renewal or at any time, subject to
underwriting by the Company. For any increase in SI, the waiting period shall start afresh only for the enhanced
portion of the sum insured.

8.22 .Terms and conditions of the Policy

The terms and conditions contained herein and in the Policy Schedule shall be deemed to form part of the Policy
and shall be read together as one document.

8.23 Nomination:
The policyholder is required at the inception of the policy to make a nomination for the purpose of payment of
claims under the policy in the event of death of the policyholder. Any change of nomination shall be communicated
to the company in writing and such change shall be effective only when an endorsement on the policy is made. For
Claim settlement under reimbursement, the Company will pay the policyholder. In the event of death of the
policyholder, the Company will pay the nominee {as named in the Policy Schedule/Policy Certificate/Endorsement
(if any)} and in case there is no subsisting nominee, to the legal heirs or legal representatives of the Policyholder
whose discharge shall be treated as full and final discharge of its liability under the Policy.

9. REDRESSAL OF GRIEVANCE
Grievance–In case of any grievance relating to servicing the Policy, the insured person may submit in writing to
the Policy issuing office or regional office for redressal.
For details of grievance officer, kindly refer the link https://www.iffcotokio.co.in/customer-services/grievance-
redressal.

IRDAI Integrated Grievance Management System - https://igms.irda.gov.in/

Insurance Ombudsman –The insured person may also approach the office of Insurance Ombudsman of the
respective area/region for redressal of grievance. The contact details of the Insurance Ombudsman offices have
been provided as Annexure-B
No loading shall apply on renewals based on individual claims experience. Insurance is the subject matter
of solicitation

10. TABLE OF BENEFITS

Name Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited
Product Type Individual/ Floater
Category of Cover Indemnity

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 13 of 18
 INR 1 lac/ 1.5 lac/ 2 lac/ 2.5 lac/ 3 lac/ 3.5 lac/ 4 lac/ 4.5 lac/ 5 lac (as mentioned in the policy
schedule)
On Individual basis – SI shall apply to each individual family member
On Floater basis – SI shall apply to the entire family
Sum insured
The minimum sum insured under standard product shall be Rs 1,00,000/-
Maximum limit shall be Rs 5 lakhs.(in the multiples of fifty thousand)

Policy Period 1 year

Policy can be availed by persons between the age of 18 years and 65 years, as Proposer.
Proposer with higher age can obtain policy for family, without covering self.
Policy can be availed for Self and the following family members
i. legally wedded spouse.
Eligibility
ii. Parents and Parents-in-law.
iii. Dependent Children (i.e. natural or legally adopted) between the age 3 months to 25
years. If the child above 18 years of age is financially independent, he or she shall be
ineligible for coverage in the subsequent renewals
Minimum entry age shall be 18 years for principal insured and maximum age at entry shall
be 65, complying to Regulation 12(i) of HIR 2016, along with lifelong renewability. There
shall be no exit age.
Entry age
Policy is subject to lifelong renewability.

Dependent Child / children shall be covered from the age of 3 months to 25 years subject to
the definition of ‘Family’
For Yearly payment of mode, a fixed period of 30 days is to be allowed as Grace Period and
Grace Period
for all other modes of payment a fixed period of 15 days be allowed as grace period.
Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be
Hospitalisation admissible
Expenses
Time limit of 24 hrs shall not apply when the treatment is undergone in a Day Care Centre.
Pre
Hospitalisation For 30 days prior to the date of hospitalization
Post
Hospitalisation For 60 days from the date of discharge from the hospital
1. Room Rent, Boarding, Nursing Expenses all inclusive as provided by the Hospital /
Nursing Home up to 2% of the sum insured subject to maximum of Rs.5000/- per day.
Sublimit for
2.Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all
room/doctors fee
inclusive as provided by the Hospital / Nursing Home up to 5% of the sum insured subject to
maximum of Rs.10,000/-, per day
Cataract Up to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy
Treatment year.
Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy,
AYUSH Unani, Siddha and Homeopathy systems of medicines shall be covered upto sum insured,
during each Policy year as specified in the policy schedule.
Pre Existing Only PEDs declared in the Proposal Form and accepted for coverage by the company shall
Disease be covered after a waiting period of 4 years

Cumulative bonus Increase in the sum insured by 5% in respect of each claim free year subject to a maximum
of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 14 of 18
Co Pay 5% co pay on all claims
Pre-policy checkup shall be required in following cases:
a) If the insured is above 55 years of age
b) If there is any adverse declaration in the proposal form.
c) If there is a claim in the expiring policy because of any Critical/ chronic Illness.
d) If the basic sum insured is being sought to be enhanced at the time of renewal.
e) When there is break in insurance for more than 30(thirty) days.
Pre-policy
checkup
Wherever required, Insured person(s) has to undergo a Pre-policy check-up. If such a
proposal is accepted and policy has been issued, We would reimburse 50% cost of the
diagnostic test charges.

Medical test and age limit criteria may vary as per company guidelines applicable at the time
of risk acceptance.

RATING CHART

“Premium Tables”

Please note:
a) The premium for the policy based on ‘Individual Sum Insured’ adhere to premiums given in Table A (below)
for each member.
b) The premium for the policy based on ‘Floater Sum Insured’ adhere to premium given in Table A (below) for
Highest aged member and Table B(below) for other than highest aged members in the family.

Premium rates given below are in INR and are exclusive of GST.
Arogya Sanjeevani Yearly Premium
Table A: Premium Table
SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 1,848 2,393 2,916 3,788 5,953 9,565 13,534 17,139 21,033 26,874
150000 2,525 3,278 4,001 5,205 8,194 13,182 18,662 23,641 29,017 37,084
200000 3,285 4,273 5,221 6,802 10,725 17,272 24,463 30,998 38,054 48,640
250000 3,656 4,772 5,844 7,630 12,063 19,462 27,589 34,974 42,948 54,912
300000 4,210 5,515 6,769 8,857 14,041 22,693 32,197 40,833 50,157 64,147
350000 4,551 5,977 7,346 9,627 15,290 24,740 35,121 44,554 54,739 70,020
400000 4,750 6,245 7,680 10,071 16,007 25,913 36,795 46,683 57,359 73,377
450000 4,846 6,377 7,847 10,297 16,378 26,527 37,675 47,806 58,743 75,154
500000 5,088 6,692 8,234 10,801 17,175 27,813 39,499 50,117 61,581 78,782
Table B : Premium Table
SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 1,201 1,555 1,895 2,462 3,869 6,217 8,797 11,141 13,671 17,468
150000 1,641 2,131 2,600 3,383 5,326 8,569 12,130 15,367 18,861 24,104
200000 2,135 2,777 3,394 4,421 6,971 11,227 15,901 20,149 24,735 31,616
250000 2,376 3,102 3,798 4,959 7,841 12,650 17,933 22,733 27,916 35,693
300000 2,737 3,585 4,400 5,757 9,127 14,751 20,928 26,541 32,602 41,695
350000 2,958 3,885 4,775 6,258 9,938 16,081 22,829 28,960 35,580 45,513
400000 3,088 4,059 4,992 6,546 10,404 16,844 23,917 30,344 37,283 47,695
450000 3,150 4,145 5,101 6,693 10,646 17,243 24,489 31,074 38,183 48,850
500000 3,307 4,350 5,352 7,021 11,164 18,079 25,674 32,576 40,028 51,209

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 15 of 18
 Arogya Sanjeevani Half Yearly Premium Instalments

Table A: Premium Table

SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 941 1,218 1,484 1,928 3,030 4,869 6,889 8,725 10,706 13,680
150000 1,286 1,669 2,036 2,649 4,171 6,710 9,500 12,034 14,771 18,877
200000 1,672 2,175 2,658 3,462 5,459 8,792 12,453 15,779 19,371 24,760
250000 1,861 2,429 2,975 3,884 6,140 9,907 14,044 17,803 21,862 27,952
300000 2,143 2,808 3,446 4,509 7,148 11,552 16,390 20,786 25,532 32,653
350000 2,317 3,042 3,739 4,901 7,783 12,594 17,878 22,680 27,864 35,643
400000 2,418 3,179 3,909 5,127 8,148 13,191 18,730 23,763 29,198 37,352
450000 2,467 3,246 3,994 5,242 8,337 13,503 19,178 24,335 29,903 38,256
500000 2,590 3,407 4,191 5,498 8,743 14,158 20,106 25,511 31,347 40,103

Table B: Premium Table

SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 611 792 965 1,253 1,970 3,165 4,478 5,671 6,959 8,892
150000 836 1,085 1,324 1,722 2,711 4,362 6,175 7,822 9,601 12,270
200000 1,087 1,414 1,728 2,251 3,548 5,715 8,094 10,256 12,591 16,094
250000 1,210 1,579 1,934 2,524 3,991 6,439 9,129 11,572 14,210 18,169
300000 1,393 1,825 2,240 2,931 4,646 7,509 10,653 13,511 16,596 21,225
350000 1,506 1,978 2,431 3,185 5,059 8,186 11,621 14,742 18,112 23,168
400000 1,572 2,066 2,541 3,332 5,296 8,574 12,175 15,446 18,979 24,279
450000 1,603 2,110 2,596 3,407 5,419 8,777 12,466 15,818 19,437 24,866
500000 1,683 2,214 2,724 3,574 5,683 9,203 13,069 16,582 20,376 26,067

Arogya Sanjeevani Quarterly Premium Instalments

Table A: Premium Table

SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 475 614 749 973 1,529 2,457 3,476 4,402 5,402 6,902
150000 649 842 1,027 1,337 2,104 3,386 4,793 6,072 7,452 9,524
200000 844 1,097 1,341 1,747 2,754 4,436 6,283 7,961 9,773 12,492
250000 939 1,225 1,501 1,959 3,098 4,998 7,085 8,982 11,030 14,102
300000 1,081 1,416 1,738 2,275 3,606 5,828 8,269 10,487 12,881 16,474
350000 1,169 1,535 1,887 2,472 3,927 6,354 9,020 11,442 14,058 17,983
400000 1,220 1,604 1,972 2,586 4,111 6,655 9,450 11,989 14,731 18,845
450000 1,244 1,638 2,015 2,644 4,206 6,813 9,676 12,277 15,086 19,301
500000 1,307 1,719 2,115 2,774 4,411 7,143 10,144 12,871 15,815 20,233

Table B: Premium Table

SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 308 399 487 632 994 1,597 2,259 2,861 3,511 4,486
150000 422 547 668 869 1,368 2,201 3,115 3,947 4,844 6,190
200000 548 713 872 1,135 1,790 2,883 4,084 5,175 6,352 8,120
250000 610 797 975 1,274 2,014 3,249 4,606 5,838 7,169 9,167

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 16 of 18
300000 703 921 1,130 1,479 2,344 3,788 5,375 6,816 8,373 10,708
350000 760 998 1,226 1,607 2,552 4,130 5,863 7,438 9,138 11,689
400000 793 1,042 1,282 1,681 2,672 4,326 6,142 7,793 9,575 12,249
450000 809 1,065 1,310 1,719 2,734 4,428 6,289 7,980 9,806 12,546
500000 849 1,117 1,374 1,803 2,867 4,643 6,594 8,366 10,280 13,151

Arogya Sanjeevani Monthly Premium Instalments

Table A: Premium Table

SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 159 206 251 326 513 824 1,166 1,476 1,811 2,314
150000 217 282 345 448 706 1,135 1,607 2,036 2,499 3,194
200000 283 368 450 586 924 1,487 2,107 2,670 3,277 4,189
250000 315 411 503 657 1,039 1,676 2,376 3,012 3,699 4,729
300000 363 475 583 763 1,209 1,954 2,773 3,517 4,320 5,525
350000 392 515 633 829 1,317 2,131 3,025 3,837 4,714 6,030
400000 409 538 661 867 1,379 2,232 3,169 4,020 4,940 6,319
450000 417 549 676 887 1,411 2,285 3,245 4,117 5,059 6,472
500000 438 576 709 930 1,479 2,395 3,402 4,316 5,304 6,785

Table B: Premium Table

SI/ Age
0-25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85 >85
(yrs.)
100000 103 134 163 212 333 535 758 959 1,177 1,504
150000 141 184 224 291 459 738 1,045 1,323 1,624 2,076
200000 184 239 292 381 600 967 1,369 1,735 2,130 2,723
250000 205 267 327 427 675 1,089 1,544 1,958 2,404 3,074
300000 236 309 379 496 786 1,270 1,802 2,286 2,808 3,591
350000 255 335 411 539 856 1,385 1,966 2,494 3,064 3,920
400000 266 350 430 564 896 1,451 2,060 2,613 3,211 4,108
450000 271 357 439 576 917 1,485 2,109 2,676 3,288 4,207
500000 285 375 461 605 961 1,557 2,211 2,806 3,447 4,410

Discounts:

A. Discounts for ‘Individual Sum Insured’ variant are:

(i) Family Discount available at the inception of the policy is mentioned below:

a) 2 Family Members – 10% discount on total premium

b) 3 or more Family Members – 20% discount on total premium

(ii) Discount for customers already covered under their employers’ Group Mediclaim Policy provided by
ITGI
All the employees covered under the Group Mediclaim Policy of IFFCO TOKIO will be eligible for discount as
per below mentioned slabs –

Sum Insured opted under Arogya

Discount
Sanjeevani
Rs 4(Four)lakh and above 10%(ten percent)

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 17 of 18
(iii) Existing Customer Discount: 10% (ten percent) discount in policy premium for all customers holding any
other insurance policy of IFFCO TOKIO.
(iv) ITGI Employee Discount: 20% (twenty percent) discount for all employees of IFFCO TOKIO.
(v) 10% (ten percent) discount in policy premium is permitted for all customers who buy policy directly through
IFFCO-TOKIO website/Walk-in.

Note: All the above mentioned discounts are on cumulative basis and cannot exceed a total of 25% (twenty-
five) percent

B. Discounts for ‘Floater Sum Insured’ variant are:

(i) Discount for customers already covered under their employers’ Group Mediclaim Policy provided by
ITGI
All the employees covered under the Group Mediclaim Policy of IFFCO TOKIO will be eligible for discount as
per below mentioned slabs –

Product Type Sum Insured opted under Arogya

Discount
Sanjeevani
Arogya Sanjeevani Rs 4(Four)lakh and above 10%(ten percent)

(ii) Existing Customer Discount: 10% (ten percent) discount in policy premium for all customers holding any
other insurance policy of IFFCO TOKIO.
(iii) ITGI Employee Discount: 20% (twenty percent) discount for all employees of IFFCO TOKIO.
(iv) 10% (ten percent) discount in policy premium is permitted for all customers who buy policy directly through
IFFCO-TOKIO website/Walk-in.

Note: All the above mentioned discounts are on cumulative basis and cannot exceed a total of 25%
(twenty-five) percent

PROHIBITION OF REBATES

Section 41 of the Insurance Act 1938 provides as follows:

1. No person shall allow, or offer to allow, either directly or indirectly as an inducement to any person to take out
or renew or continue an insurance in respect of any kind of risk relating to lives or property in India any rebate
of the whole or part of the commission payable or any rebate of the premium shown on the policy except such
rebate as may be allowed in accordance with the published prospectus or tables of the insurer.
2. Any person making default in Company with the provisions of the section shall be punishable with fine which
may extend to ten lakh rupees.

Note: Sales literature contains salient features of the product. For exhaustive details on covers, exclusions and
conditions, kindly refer Policy Wordings. For all Insurance contracts, Policy Schedule along with Policy Wordings
will be considered as contract documents. For more and detailed information regarding policies/ claims, please
contact the nearest IFFCO-Tokio Office/ Bima Kendra/ Authorized Company Agent.

Prospectus – Arogya Sanjeevani Policy, IFFCO-Tokio General Insurance Company Limited

UIN: IFFHLIP20161V011920 Page 18 of 18