IFFCO Tokio is one of the privately owned general insurance companies operating in India. The company provides a range of insurance service for its customers. Among the insurance services offered, the company’s health insurance plans focus on mitigating the medical risks faced by an individual or a family. IFFCO Tokio Family Health Protector Policy focuses on safeguarding a family against various medical risks, and it comes with an affordable price tag. If you are considering a medical insurance policy to cover your entire family, it is worth taking a look at this policy cover.
The eligibility criteria set forth for enrolling in IFFCO Tokio Family Health Protector Policy can be listed as follows.
Some of the key features of IFFCO Tokio Family Health Protector Policy can be listed as follows.
This policy comes with a range of benefits to take care of the health requirements of a family. Some of the benefits offered by this policy cover can be listed as follows.
|Hospitalisation expenses||All hospitalisation expenses up to the maximum sum insured limit|
|Room, boarding, and nursing expenses||For sum insured up to Rs.7 lakh - 1.5% of sum insured (class A cities); 1.25% of sum insured (other cities) For sum insured over Rs.7 lakh - actual expenses incurred (no limit)|
|Intensive care unit charges||Up to 2.5% of the sum insured in Class A cities Up to 2% of the sum insured in other cities|
|Domiciliary hospitalisation||Up to 20% of the sum insured|
|Alternative treatments||Coverage available for ayurveda, unani, siddha, and homeopathy treatments (AYUSH)|
|Ambulance charges||0.75% of sum insured subject to a maximum of Rs.2,500|
|Cumulative bonus||5% of the sum insured subject to a maximum of 50% per policy|
|Health checkup costs||Up to 1% of the sum insured at the end of four claim-free years|
|Vaccination expenses||Up to 7.5% of the premium charges paid (available only at the end of two claim-free years)|
|Registration charges, service charges, and surcharges||Up to 0.5% of the sum insured|
|Reinstatement of sum insured||Following a claim, the sum insured amount can be reinstated by paying additional premium charges.|
Some of the key exclusions for which coverage is not available can be listed as follows.
The claim procedure for IFFCO Tokio Family Health Protector Policy follows a simple and straightforward procedure. For emergency cashless claims, pre-authorization can be obtained at the time of admission. The company’s customer service can be contacted in order to get the approval. Typically, a request form must be sent to the insurer with the approval of the treating doctor. Once the documents are received, the company will provide the authorisation. For planned hospitalisations, the company must be notified at least 3 days in advance.
For reimbursement claims, the company must be notified within 7 days after discharge from the hospital. While contacting the customer care, details such as policy number must be provided. Various proofs such as medical bills, doctor certificates, diagnostic reports, etc. must be submitted to the insurer while filing for the claim. The insurer will verify all the details and accept the claim upon verification. Once the claim has been accepted, reimbursement amount will be provided to the insured.
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