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Health Insurance 495 views July 23, 2021
IFFCO TOKIO Comprehensive Accident Hospitalization Policy protects individuals’ finances in case of an unfortunate accidental hospitalization. The plan comes with several variants, supplementary benefits, daily hospital cash, post-hospitalization cover and other impressive features. You can protect your family’s future in case of accidental death or disability with its personal accident coverage feature.
We are showing the highlights of this plan below. Have a look!
- Personal Accident Coverage
- Child Education Benefit
- Multiple Plan Options
- In-patient Hospitalization Coverage
- Accidental Hospitalization Benefit
- Supplementary Benefits
- Hospital Cash Benefit
- Post-hospitalization Medical Benefits
- Multiple Emergency Assistance Services
- A 15-day Free Look Period
Go through this page to understand these features in detail as we talk about the same here. Let’s start!
Table of Contents
- 1 Coverage Benefits of IFFCO TOKIO Comprehensive Accident Hospitalization Policy
- 1.1 In-patient Hospitalization Coverage
- 1.2 Accidental Hospitalization Benefit
- 1.3 Outpatient Managed Fracture Benefit
- 1.4 Supplementary Benefits
- 1.5 Hospital Cash
- 1.6 Post-hospitalization Medical Benefit
- 1.7 Ancillary Services
- 1.8 Personal Accident Coverage
- 1.9 Education Fund Benefit
- 1.10 Emergency Assistance Services
- 1.11 People Also Read
Coverage Benefits of IFFCO TOKIO Comprehensive Accident Hospitalization Policy
We are showing the key features of the Comprehensive Accident Hospitalization Policy below that you should check.
In-patient Hospitalization Coverage
If an insured person faces injuries due to an accident and needs to get hospitalized for the due treatment on the advice of a medical practitioner, the policy will cover the following expenses during his/her hospitalization.
- Room, Boarding and Nursing (As provided in the hospital or nursing home)
- Fees of Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist (including consultation through telemedicine) whether paid directly to the treating doctor/surgeon or the hospital
- Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Anaesthesia, Materials & Diagnostic Imaging Modalities, Artificial Limbs, Organs, Reconstructive Surgery, etc.
Accidental Hospitalization Benefit
With this benefit, the policyholder will get coverage against the expenses incurred on hospitalization for the treatment of accidental injuries up to a definite limit of the sum insured.
Outpatient Managed Fracture Benefit
This benefit is applicable for Plan A, B, C and Gold Plan. Policyholders can get coverage against the actual cost of treatment of confirmed fractures that do not result in hospitalization. The coverage amount will be up to INR 10,000 per episode of fracture per year for an insured person.
Supplementary Benefits
On choosing Plan A, B, C and Gold Plan, policyholders will also get the following supplementary benefits after the payment of main hospitalization cover.
Hospital Cash
Policyholders will get a daily cash benefit during their hospitalization depending on the plan option. For Gold Plan, Plan A and B, the daily benefit will be INR 1,000 per day, while for Plan C, you will get INR 500 per day. The hospital cash will be given up to 7 days of hospitalization per accident with a maximum of 15 days per policy year.
Post-hospitalization Medical Benefit
The policy from IFFCO TOKIO will cover the expenses incurred up to 60 days after the date of discharge from the hospital. This benefit will also cover the cost of rehabilitation through physiotherapy, etc. Policyholders will get it as a lump sum amount up to INR 10,000 per covered accident and INR 20,000 per annum.
Ancillary Services
This benefit will apply to all plan options of the policy. Under this benefit, the policy will cover the expenses incurred on the ambulance service used to transport the insured person to a nearby hospital. The coverage amount under this benefit will be up to INR 1,000 per episode, and a maximum of 3 episodes per annum can be covered per family.
Personal Accident Coverage
If an individual faces an accident that results in death or disability within 12 months of injury, he/she or the nominee will get a definite percentage of the sum insured as per the table below.
| Losses Covered | Percentage of Sum Insured |
|---|---|
| Death | 100 |
| Loss of Sight (Both Eyes) | 100 |
| Loss of Two Limbs | 100 |
| Loss of One Limb and One Eye | 100 |
| Loss of use of one eye | 50 |
| Loss of One Limb | 50 |
| Permanent Total and Absolute Disablement | 100 |
| Loss of All Toes | 20 |
| Great both phalanges | 5 |
| Great - One phalanx | 2 |
| Other than great, if more than one toe lost each | 1 |
| Loss of hearing in both ears | 50 |
| Loss of hearing in one ear | 15 |
| Loss of Speech | 50 |
| Loss of four fingers and one hand’s thumb | 40 |
| Loss of four fingers | 35 |
| Loss of thumb - Both phalanges | 25 |
| One phalanx | 10 |
| Loss of Index finger - Three phalanges | 10 |
| Two phalanges | 8 |
| One Phalanx | 4 |
| Loss of Middle finger - Three phalanges | 6 |
| Two Phalanges | 4 |
| One Phalanx | 2 |
| Loss of ring finger - Three phalanges | 5 |
| Two Phalanges | 4 |
| One Phalanx | 2 |
| Loss of little finger - Three phalanges | 4 |
| Two Phalanges | 3 |
| One Phalanx | 2 |
| Loss of metacarpus - first or second (additional) | 3 |
| Temporary Total Disablement | 1% of the Sum Insured up to INR 3,000 |
Education Fund Benefit
If an insured person dies or faces permanent total disability due to an accident, the policy will pay compensation towards education funds for his/her dependent children up to the age of 21 years. The coverage amount will be up to INR 5,000 for each child with a maximum of INR 10,000.
Emergency Assistance Services
Under all plans except Plan E, you will get a wide range of value-added emergency medical assistance and personal services. You will get these services from Assist America Emergency Medical Services India Pvt. Ltd. while travelling 150 km or more away from your residential address within India for less than 90 days.
You can check these services provided by the IFFCO TOKIO Comprehensive Accident Hospitalization Policy mentioned below.
- Medical Consultation, Evaluation and Referral
- Emergency Medical Evacuation
- Medical Repatriation
- Transportation Cover to Join Patient
- Care and/or Transportation of Minor Children
- Emergency Message Transmission
- Return of Mortal Remains
- Emergency Cash Coordination