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IFFCO Tokio Health Insurance

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
2015-16 104.25%

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