Insurance Plans September 21, 2020

Iffco Tokio Critical Illness Benefit Policy

There are many individuals who can’t afford the treatment of a Critical Illness. Any type of Critical Illness can wash away all your savings and they are too expensive to be treated. So, it is really necessary for every individual to take a health plan to secure their health risks. You can take a look at the Iffco Tokio Critical Illness Benefit Policy that covers 25 different types of critical illnesses. On the other hand, you can get a sum assured of up to INR 1 crore and it will be enough to treat any kind of critical illness. Therefore, you must explore each and every feature of this critical illness plan and buy it at your convenience.

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Salient Features of Iffco Tokio Critical Illness Benefit Policy

  1. This plan will give you a cover for 25 different types of major illnesses.
  2. You can cover your family members as well under the same plan.
  3. There is no need for any health check-up until the age of 50 years.
  4. You have the option to choose the Sum Assured of up to Rs.1 Crore.
  5. This policy is renewable lifelong.
  6. Earn discounts on the premiums by adding more members to the plan.
  7. Get tax benefits under section 80D as per the tax laws.

Benefits of Iffco Tokio Critical Illness Benefit Policy

There are various benefits of this health insurance plan that will definitely amaze you. You can protect yourself from the health risks and problems that arise due to the critical illness.

High Sum Assured

You are free to choose the amount of the sum assured at the time of inception of the policy. If you think that treatment for a critical illness is high then you have the option to choose the Sum Assured of up to Rs.1 Crore.

Daily Allowance Benefits

If you are diagnosed with a critical illness then the company will pay you Rs.1000 every day as the daily allowance. This allowance will only be given to the insured if he is diagnosed with a critical illness.

Cover your Loved Ones

You can cover your loved ones that are your family members under the same policy. They will get equal benefits and cover in this plan as the primary member will get. You will get rebates on premium by adding more members to the same policy.

No Medical Test Required

If your age is below 50 years then there is no need for any medical check-up. You can buy the Iffco Tokio Critical Illness Benefit Policy online without going through a medical check-up. This benefit will only be applicable if your age is below 50 years.

Lifelong Renewal

The company gives you the option to renew the policy anytime. No matter what is the age of the individual but he can renew the policy at any age. Therefore this policy comes up with the Lifelong Renewal advantage.

Extra Discounts

You can also earn extra discounts on the premium by adding more members to the policy. You can add your spouse, child, parents, and in-laws to this health insurance plan so that they get protection against future health risks.

Critical Illnesses Covered in Iffco Tokio Critical Illness Benefit Policy

Now, here you can see 25 different types of illnesses that are covered in this health insurance policy.

  1. Cancer of specified severity
  2. Kidney failure requiring regular dialysis
  3. Multiple Sclerosis with persisting symptoms
  4. Benign Brain Tumor
  5. Motor Neuron Disease with Permanent Symptoms
  6. End-Stage Lung Failure
  7. End-Stage Liver Failure
  8. Primary (Idiopathic) Pulmonary Hypertension
  9. Parkinson’s Disease Before the Age Of 50 Years
  10. Alzheimer’s Disease Before the Age Of 50 Years
  11. Major Organ (Heart/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant
  12. Open heart replacement or repair of heart valves
  13. Open chest CABG
  14. Surgery Of Aorta
  15. Stroke resulting in permanent symptoms
  16. Permanent Paralysis of Limbs
  17. Myocardial Infarction (First Heart Attack of specified severity)
  18. Third Degree Burns
  19. Loss of Speech
  20. Blindness
  21. Loss of Limbs
  22. Deafness
  23. Coma of Specified Severity
  24. Major Head Trauma
  25. Muscular Dystrophy

Exclusions of Iffco Tokio Critical Illness Benefit Policy

  1. The pre-existing disease will be covered after 48 months from the date of inception of the policy.
  2. Self-inflicted injuries are not covered in this plan.
  3. Illnesses caused due to intoxication, drug overdose, narcotics, and alcohol are not covered.
  4. The company will not cover the injuries due to taking part in the naval, military, air force, and law enforcement operations.
  5. Injuries caused due to sports activities are not covered.

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