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    IFFCO Tokio Health Insurance

    Car Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    A well-known name in the insurance sector, IFFCO Tokio General Insurance was established in 2000 with a vision to provide best-in-class insurance products. It is a joint venture between Indian Farmers Fertilizer Co-operative, Tokio Marine, and Nichido Group.

    Features & Benefits of IFFCO Tokio Health Insurance

    • Cashless hospitalization: IFFCO Tokio has a wide network of cashless claim hospitals across the country where customers can benefit from direct health care services.
    • Digitally signed policy document: Policies can be bought at the click of a button online and can be issued in a quick span of time using digital signatures.
    • No third-party administrator: Policyholders who want to avail cashless services do not have to go through the hassle of contacting a third-party administrator.

    Plans provided by IFFCO Tokio Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    Family Health Protector Policy Family Min:Rs.1,50,000 Max: Rs. 30 lakh 1 or more
    Individual Health Protector Policy Individual As mentioned in the policy document 1 or more
    Swasthya Kavach Policy Individual and Family Min: Rs.2 lakh Max: Rs. 5 lakh 1 or 2
    Individual Medishield Policy Individual Min: Rs.1 lakh Max: Rs.5 lakh 1 or more
    Personal Accidental Insurance Policy Individual and Family As mentioned in the policy document 1 or more
    Health Protector Plus Individual and Family Min: Rs.2 lakh Max: Rs.25 lakh 1 or more

    Family Health Protector Policy

    The Family Health Protector Policy is specially designed to give families good health coverage and a wide range of benefits.

    Unique Features of Family Health Protector Policy

    • Cashless claim facility, tax benefit
    • No third-party representative
    • Coverage provided for hospitalization expenses including room, nursing charges, and ICU fee. Others coverages are for medical practitioners, consultants, blood, oxygen, operation theatre, vitamins, organ donor expenses, alternative medicine, domiciliary
    • Other benefits include daily hospital cash allowances, ambulance, pre and post hospitalization expenses, vaccination cost, day care treatments
    • Health check-up and cumulative bonus

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis Family
    Sum Insured Range Min:Rs.1,50,000 Max:Rs. 30 lakh
    Premium Depends on sum insured, age, etc
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes
    Discounts 10% for existing customers

    Individual Health Protector Policy

    The Individual Health Protector Policy provides comprehensive coverage to individuals looking for good coverage options.

    Unique Features of Individual Health Protector Policy

    • Coverage for room rent, nursing, ICU, doctor’s fee, anesthesia and other hospitalization-related expenses
    • Ayurvedic treatments included in plan
    • Tax benefit applicable
    • Critical illness cover with higher sum insured
    • Other benefits include pre and post hospitalization cover, ambulance, day care, vaccination, cumulative bonus,
    • Emergency services

    Plan Details

    Policy term 1 year
    Entry Age 18 to 65 years
    Plan Basis Individual
    Sum Insured Range As mentioned in the policy document
    Premium Depends on sum insured, age, etc
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes
    Discounts (if available) 10% for existing customers

    Swasthya Kavach Policy

    The Swasthya Kavach Policy is a complete health insurance package that provides comprehensive coverage.

    Unique Features of Swasthya Kavach Policy

    • This plan comes in two variants: Base and Wider plan
    • The coverage provided include hospitalization related expenses, cover for pre-existing illnesses after a waiting period of 4 years, cover for prosthetic devices
    • Donor-related expenses
    • Dental treatments, day care treatments, cost of vitamins
    • Tax benefit applicable
    • Those opting for the wider plan will be eligible for Cumulative bonus

    Plan Details

    Policy term 1 or 2
    Entry Age 91 days to 60 years
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.2 lakh Max:Rs. 5 lakh
    Premium Depends on sum insured, age, etc
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    Individual Medishield Policy

    The Individual Medishield Policy is an individual plan that covers the cost of medical treatment and certain specified critical illness.

    Unique Features of Individual Medishield Policy

    • Provides coverage for hospitalization expenses such as room, nursing, boarding, pre, and post hospitalization, surgeon expenses, anesthesia, blood, oxygen, operation theatre, surgical appliances, radiotherapy
    • Daily hospital cash allowance, ambulance cover
    • The policy also covers the cost of alternative medical treatments
    • Health check-up after 4 claim-free years
    • Optional coverage for specified critical illnesses
    • Tax benefit applicable

    Plan Details

    Policy term 1 or more
    Entry Age 91 days to 45 years
    Plan Basis Individual
    Sum Insured Range Min: Rs.1 lakh Max: Rs.5 lakh
    Premium Depends on age, gender, sum insured, etc
    Medical Screening Must for those above 45 years
    Co-Payment None
    Waiting Period Yes
    No Claim Bonus Yes

    Personal Accidental Insurance Policy

    The Personal Accidental Insurance Policy provides protection against certain unfortunate mishaps.

    Unique Features of Personal Accidental Insurance Policy

    • Provides protection in case of accidents, bodily injury or untimely death
    • Benefits include death benefit, damage to eyes, limbs, total disability
    • Compensation in case of loss of job
    • Education and cumulative benefit
    • Ambulance services

    Plan Details

    Policy term 1 or more
    Entry Age 5 to 70 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, gender, sum insured, etc
    Medical Screening Must for those above 45 years
    Co- Payment None
    Waiting Period Yes
    No Claim Bonus Yes

    Critical Illness Insurance Policy

    The Critical Illness Insurance Policy provides coverage to certain specified serious illnesses.

    Unique Features of Critical Illness Insurance Policy

    • Coverage for certain specified illnesses as mentioned in the policy document
    • Tax benefit applicable
    • Gives complete protection
    • Cashless hospitalization and reimbursement

    Plan Details

    Policy term 1 or more
    Entry Age 5 to 70 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, gender, sum insured, etc
    Medical Screening Must for those above 45 years
    Co- Payment None
    Waiting Period Yes
    No Claim Bonus Yes

    Health Protector Plus

    The Health Protector Plus plan provides better coverage options for both individual and families that have high medical costs.

    Unique Features of Health Protector Plus

    • Tax benefit applicable
    • Covers hospitalization expenses including room, nursing charges, and ICU fee. Others coverages are for medical practitioners, consultants, blood, oxygen, operation theatre, vitamins, organ donor expenses, alternative medicine, domiciliary
    • Other benefits include daily hospital cash allowances, ambulance, pre and post hospitalization expenses, vaccination cost, day care treatments
    • The policy comes with portability option
    • Cashless claim network, no third-party administrator
    • Emergency assistance

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.2 lakh Max:Rs.25 lakh
    Premium Depends on age, gender, sum insured, etc
    Medical Screening Must for those above 45 years
    Co- Payment None
    Waiting Period Yes
    No Claim Bonus Yes
    Discounts Family discount

    Checklist before Buying IFFCO Tokio Health Insurance

    • Finalize the coverage amount
    • Read the policy document thoroughly
    • Finalize the plan after looking into personal and family needs
    • Take a look at the exclusions

    Documents Required for Purchasing IFFCO Tokio Health Insurance

    • Id proof
    • Address proof
    • Medical certificates, if asked

    Reasons to choose IFFCO Tokio Health Insurance

    Affordable premiums
    Online transactions
    Easy renewal and purchase

    Incurred Claim Ratio of IFFCO Tokio Health Insurance

    The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2016-17 104.30%

    Extra Benefits from IFFCO Tokio Health Insurance

    Grievance Redressal IFFCO Tokio has a grievance redressal mechanism through which customers can lodge complaints and resolve their issues.
    Web support team Customers can make queries by writing to the web support team on a 24/7 basis.

    IFFCO Tokio Health Insurance Renewal

    To renew an IFFCO Tokio Health Insurance policy, log on to their website and click on the ‘Renew’ option. Fill in policy details and proceed to make payment.

    IFFCO Tokio Health Insurance Network Hospitals for Cashless Treatment

    IFFCO Tokio has a pan India network of cashless claims hospitals where customers can avail direct healthcare services without any hassles.

    Claim Procedure in IFFCO Tokio Health Insurance

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Incomplete claim forms will not be processed
    • All claim should be made within the stipulated time period mentioned in the policy
    • Claims cannot be made for any exclusions

    IFFCO Tokio Health Insurance Reviews

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