Health Insurance 495 views July 23, 2021

IFFCO TOKIO Comprehensive Accident Hospitalization Policy

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.

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We are showing the highlights of this plan below. Have a look!

  1. Personal Accident Coverage
  2. Child Education Benefit
  3. Multiple Plan Options
  4. In-patient Hospitalization Coverage
  5. Accidental Hospitalization Benefit
  6. Supplementary Benefits
  7. Hospital Cash Benefit
  8. Post-hospitalization Medical Benefits
  9. Multiple Emergency Assistance Services
  10. 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!

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.

  1. Room, Boarding and Nursing (As provided in the hospital or nursing home)
  2. Fees of Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist (including consultation through telemedicine) whether paid directly to the treating doctor/surgeon or the hospital
  3. 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 CoveredPercentage of Sum Insured
Loss of Sight (Both Eyes)100
Loss of Two Limbs100
Loss of One Limb and One Eye100
Loss of use of one eye50
Loss of One Limb50
Permanent Total and Absolute Disablement100
Loss of All Toes20
Great both phalanges5
Great - One phalanx2
Other than great, if more than one toe lost each1
Loss of hearing in both ears50
Loss of hearing in one ear15
Loss of Speech50
Loss of four fingers and one hand’s thumb40
Loss of four fingers35
Loss of thumb - Both phalanges25
One phalanx10
Loss of Index finger - Three phalanges10
Two phalanges8
One Phalanx4
Loss of Middle finger - Three phalanges6
Two Phalanges4
One Phalanx2
Loss of ring finger - Three phalanges5
Two Phalanges4
One Phalanx2
Loss of little finger - Three phalanges4
Two Phalanges3
One Phalanx2
Loss of metacarpus - first or second (additional)3
Temporary Total Disablement1% 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.

  1. Medical Consultation, Evaluation and Referral
  2. Emergency Medical Evacuation
  3. Medical Repatriation
  4. Transportation Cover to Join Patient
  5. Care and/or Transportation of Minor Children
  6. Emergency Message Transmission
  7. Return of Mortal Remains
  8. Emergency Cash Coordination

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