Health Insurance 623 views December 15, 2020

IFFCO-Tokio General Insurance Company Limited has a wide range of health insurance products that can protect you financially in case of a medical contingency. IFFCO Tokio Health Insurance policy offers a range of add-ons and customizable cover options to the customers. With this, you can tailor the protection of your plan as per your healthcare needs. Under IFFCO Tokio Health Insurance, you will get coverage against numerous medical expenses like Pre- and Post-hospitalization, ambulance charges, critical Illness & emergency assistance, room rent, hospital registration, service charges, 160+ Day Care Procedures, Vaccination, health check-up, and AYUSH treatments. Let’s read the page further and know about different IFFCO Tokio Health Insurance policies and their benefits.

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List of IFFCO Tokio Health Insurance Plans

You will have a wide range of options for health insurance if you visit the IFFCO Tokio branch or the official website. We have provided you with a list of IFFCO Tokio Health Insurance plans below. Look at them and make a calculative decision.

Family Health Protector Policy

For the well-being of your family and yourself, buy IFFCO Tokio Family Health Protector Policy. This is an insurance plan that provides coverage for Cashless Treatment at 5000+ Network Hospitals, COVID-19 Treatments, 24/7 Claim Assistance service, Daycare Cover, etc. And after a claim during the policy year, the sum insured reinstates. IFFCo Tokio doesn’t require a medical test for the insured up to the age of 60 years.

Individual Health Insurance Policy

A health insurance plan only for you with services like – 5,000+ Network Hospitals, No Medical Check-up up to the age of 60 years, 24X7 customer service and Daily Allowance for the period you are hospitalized.

When you buy this plan, you will get coverage for Pre- & Post-Hospitalization, Ambulance charges, Critical Illness, Emergency Assistance, Room Rent, hospital registration, service charges, 160+ Day Care Procedures, Vaccination, health check-up charges, and AYUSH treatments.

Under this plan, you will get cover for Critical Illnesses – Cancer of specified severity, Coma of specified severity, Major Organ/Bone Marrow Transplant, Stroke resulting in permanent symptoms, First Heart Attack – of specified severity, Motor neuron disease with permanent symptoms, open chest CABG, permanent paralysis of limbs, open heart replacement or repair of heart valves, kidney failure requiring regular dialysis and multiple sclerosis with persisting symptoms.

Swasthya Kavach Policy

Under this plan, your spouse and 3 dependents (children, sibling, nephew, and niece who lie in the age group of 3 months to 23 years) will be covered. You will also get the benefit of Pre- & Post Hospitalization expenses, Room Rent Expense, nursing expenses, medical practitioner’s fees, ambulance charges. medicines, blood, oxygen, anesthesia, medical tests, operation theatre charges, chemotherapy, dialysis, pacemaker, etc.

Individual Medishield Policy

Buy this insurance cover that protects you financially in every aspect of hospitalization. Under this, you will get coverage for

  1. Organ Donation (to the insured person)
  2. Re-existing Disease (3-year waiting period will apply)
  3. Health check-up (1% of the Base Sum Insured)
  4. Daily allowance @0.1% of the base sum insured, subject to maximum INR 250 per day for a hospitalization period
  5. 24X7 Call Centre support
  6. 5000+ Network Hospitals
  7. Nursing expenses
  8. Pre- and post-hospitalization expenses
  9. Ambulance charges

Individual Personal Accident Policy

Accidents can happen at any phase of your life, so to stay protected with the same, you could buy IFFCO Tokio Individual Personal Accident Policy that covers loss of employment, loss of eyesight, limbs, or permanent total and absolute disablement, insured children’s education cost, ambulance fee, etc. And your Sum Insured amount will increase every time the policy is renewed.

Critical Illness Insurance Policy

Buying IFFCO Tokio Health Insurance means you are investing for your future health risks. And if you have a fear of any critical illness that you think you will have in the future, buy this Critical Illness Insurance Policy. It covers you against 25 Critical Illnesses and Surgeries. Under this, you will get a Sum insured of up to INR 1 crore with a facility of lifelong policy renewal.

The covered illnesses and surgeries are as follows:- Cancer of specified severity, Kidney failure requiring regular dialysis, Multiple Sclerosis with persisting symptoms, Benign Brain Tumour, Motor Neuron Disease with Permanent Symptoms, End-Stage Lung Failure, End-Stage Liver Failure, Primary (Idiopathic) Pulmonary Hypertension, Parkinson’s Disease Before the Age Of 50 Years, Alzheimer’s Disease (before 60 years of age), Major Organ (Heart/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant, Open heart replacement or repair of heart valves, Open chest CABG and Surgery of Aorta.

Use your Critical Illness Insurance Policy during the following medical events:

  1. Stroke resulting in permanent symptoms
  2. Permanent Paralysis of Limbs
  3. Myocardial Infarction (First Heart Attack of specified severity)
  4. Third Degree Burns
  5. Loss of Speech
  6. Blindness
  7. Loss of Limbs
  8. Deafness
  9. Coma of Specified Severity
  10. Major Head Trauma
  11. And Muscular Dystrophy

Health Protector Plus Policy

Get protection beyond serious illnesses under this IFFCO Tokio Health Insurance plan. With this plan, you have an option – Family Floater or Individual Sum Insured, Top-up or Super Top-up, and 8 different plans for your varied healthcare needs.

Waiver of deductible cover is applicable when the payment of an additional premium is made by the insured. You can access the cashless claim facility at over 5000 network hospitals across India and get emergency assistance services for unplanned hospitalization.

In this, you have the freedom to switch from any other similar policy of any other insurer.

Swasthya Raksha Bima

It’s an affordable IFFCO Tokio Swasthya Raksha Bima health insurance plan that covers Pre- and Post Hospitalization (up to 30 days), Ambulance services, domiciliary hospitalization with a sub-limit up to 20% of the sum insured, Daily allowance of INR 150/- per day hospitalization, Room, Boarding and Nursing Expense (Sub-limit of 1% of the Sum Insured), ICU charges (sub-limit of 2% of the sum insured), Registration and Service Charges, Medical Practitioner, Anesthetist, Consultant fees, expenses on Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of Transplantation and similar expenses.

Critical Illness Benefit Policy

IFFCO Tokio covers up to 25 Critical Illnesses and Surgeries under this health insurance plan. With the benefit of critical illness cover, you will get a daily allowance of up to INR 1,000. Under its covered critical illness – cancer, organ transplant, Alzheimer’s, bypass surgery, and related ailments will be included. You can have a Sum insured of up to INR 1 crore in this policy.

MOS-Bite Protector Policy

An IFFCO Tokio Health Insurance policy that covers seven vector-borne diseases. The claim is payable when you are hospitalized for 48 hours. For this, a sum insured of INR 1 lakh will be available, covering family members such as spouse, children, brothers, sisters, parents and parents in law.

Arogya Sanjeevani Policy

Cover your basic hospitalization with a maximum sum insured of upto INR. 5 lakh by buying the IFFCO Tokio Arogya Sanjeevani Policy. Under this, self, spouse, parents, parents-in-law and dependent children can be covered. And you can pay the premium yearly, half-yearly, quarterly or monthly.

Corona Rakshak Policy

A Lump sum payout for COVID 19 if you are tested positive. Under this, you can choose a sum insured of INR 50,000 to INR 2.5 lakh.  This policy comes with terms of 3 ½ months, 6 ½ months and 9 ½ months.

Corona Kavach Policy

Along with the coverage for COVID-19 hospitalization, you will get protection for the whole family. You will get cover for AYUSH treatment, pre- and post-hospitalization expenses, Telemedicine charges, etc.  And under this plan, you have your own choice of the sum insured that ranges between INR 50,000 and INR 5 lakhs.

General Exclusions from IFFCO Tokio Health Insurance

Every IFFCO Tokio Health Insurance policy has a set of exclusions, which is the list of expenses that are not included in the policy. And some of the common exclusions from IFFCO Tokio Health Insurance are:

  1. Cosmetic Treatments
  2. Pre-existing Illness (3-4 year waiting period)
  3. Conditions related to pregnancy
  4. Suicide
  5. Injury due to War and Nuclear Explosion
  6. Congenital Diseases
  7. IFFCO Tokio Health Insurance Claim Procedure

IFFCO Tokio has two simple claim process for health insurance such as:-

Cashless

In this, you can visit any one of the network hospitals and show your insurance card at their health desk. And the hospital will proceed with the cashless claim process by filing a claim. The company will settle the medical bill directly to the hospital.

Reimbursement

If due to an emergency, you undergo treatment at a non-network hospital, you have to pay all your medical expenses by yourself. And later, the company reimburses the incurred expenses if you file for reimbursement after a discharge from the hospital.

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