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Health Insurance 520 views July 8, 2021
If you want a health insurance plan that can shield your finances during a medical crisis, IFFCO Tokio Health Protector Plan could be the right fit for you. This health insurance plan provides coverage to you and your family against the high treatment costs for any injury or disease-related emergencies. The best part is that you can choose this plan on a family floater or individual sum insured basis. With this plan, you can also opt for a compulsory deductible amount from several options according to your convenience.
Before going any further, you should check its salient features mentioned below.
Read this page to understand these features of the IFFCO Tokio Health Protector Plan in detail so that you can make a better decision. Let’s start without any further ado.
Table of Contents
We have discussed the features and benefits of the Health Protector Plan below in detail. Have a look!
Flexible Sum Insured Options
This plan from IFFCO Tokio offers policyholders eight sum insured and deductible options from which they can choose. To know more, check the below table.
Sum Insured Options (In INR) | Deductible Options (In INR) |
---|---|
2,00,000 | 1,00,000 |
4,00,000 | 2,00,000 |
5,00,000 | 2,00,000 |
5,00,000 | 3,00,000 |
7,50,000 | 3,00,000 |
10,00,000 | 5,00,000 |
15,00,000 | 5,00,000 |
25,00,000 | 5,00,000 |
Note: Deductible means the amount that the policyholder needs to pay from his or her pocket during the claim settlement, while the insurer will pay the remaining claim amount.
Choose Between Top Up and Super Top Up
Under this plan, policyholders can also choose between Top-up and Super Top-up options. With this, they can get a choice of deductible per claim or an aggregate of all claims in a policy year.
Waiver of Deductible Option
If a policyholder changes job or faces an employment loss, he or she can enjoy the overall sum insured without any deductible for 30, 60 or 90 days (as per their choice). To enjoy this facility, you will need to make a small additional premium payment.
Option to Buy Standard Health Insurance Policy with Continuity of Benefits
IFFCO Tokio also offers you the option to purchase a standard health insurance policy without deductible with continuity of coverage in terms of waiver of waiting periods up to deductible (chosen by you) under the policy. However, to get these benefits, you need to purchase the Top-up or Super Top-up policy for the first time before 50 years of age and renew the same for at least 4 years without any break.
What is Covered Under the Policy?
With the IFFCO Tokio Health Protector Plan, you will get coverage for the following expenses or treatments.
Emergency Assistance Services
When you are traveling within India 150 km or more away from your home, you can enjoy following Emergency Assistance Services under the Health Protector Plan without any extra cost.
Modern Treatments Cover
During your policy period, you can also enjoy coverage against following procedures up to 50% of the sum insured.
Portability
Policyholders can switch from similar policies of different insurers to IFFCO Tokio Top-up or Super Top-up policies and continue enjoying their benefits as per the IRDAI guidelines.
Under Floater policy – Self, Spouse, Dependent Children up to 25 years
Under Individual Sum Insured Policy – Self, Spouse, Dependent Children up to 25 years and parents
Have a look at the important conditions related to the IFFCO Tokio Health Protector Plan mentioned below.
You will not get coverage for the following expenses or treatments.