IFFCO Tokio Health Protector Plus Policy

• 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**

There are situations in which a base health insurance cover may not be adequate to cover all the medical expenses incurred by an individual or a family. Under these circumstances, a top-up policy may come in handy. One of the advantages of top-up policies is that they come with an affordable price tag. IFFCO Tokio Health Protector Plus is a top-up policy designed to provide the extra coverage that may be required in some dire situations. The flexible terms associated with the policy ensure policyholders are adequately covered against various unforeseen medical expenses.

Eligibility for IFFCO Tokio Health Protector Plus Policy

People who meet the following eligibility criteria can subscribe to IFFCO Tokio Health Protector Plus Policy:

• Anyone between the age of 18 years and 65 years can enter this cover.
• Dependent children can be covered from the age of 3 months when at least one of their parents is covered alongside.
• Unmarried/unemployed dependents can be covered up to the age of 25 years under the family floater cover.
• The family floater cover is available for self, spouse, and dependent children.
• This policy can be renewed for life once entered.

Features of IFFCO Tokio Health Protector Plus Policy

IFFCO Tokio Health Protector Plus Policy is available to customers with the following list of features:

• This policy is available in flexible sum insured options ranging from Rs.2 lakh to Rs.25 lakh.
• Deductible options applicable to this top-up policy ranges from Rs.1 lakh to Rs.5 lakh depending upon the sum insured amount chosen.
• The sum insured option chosen by the policyholder can be used only after the deductible amount is exhausted during a claim.
• All pre-existing diseases have a waiting period of 48 months of continuous policy coverage.
• Sickness hospitalisation claims will not be covered during the first 30 days of the policy cover.
• Pre-hospitalisation and post-hospitalisation medical expenses are covered for up to 60 days and 90 days, respectively.
• There is a 2-year waiting period for certain conditions such as cataract, benign prostatic hypertrophy, sinusitis, hernia, hydrocele, etc.
• A family discount of 5% is available for enrolling two members in this cover on an individual basis. If three or more members are enrolled, a 10% discount is available.
• Customers can use the 15-day free-look period to review the terms and conditions of this policy. If the policy is cancelled during this period, the premium amount will be fully refunded.
• Portability options are available according to the guidelines set forth by the IRDAI. The company must be notified at least 45 days before the date of renewal in this case.
• A grace period of 30 days is available for policyholders to renew this cover after the date of expiry.
• The premium amount paid for this policy is eligible for income tax relief under Section 80D of the Income Tax Act.

Benefits of IFFCO Tokio Health Protector Plus Policy

The following benefits are available under this top-up policy cover:

Exclusions of IFFCO Tokio Health Protector Plus Policy

The exclusions applicable to IFFCO Tokio Health Protector Plus Policy are as follows:

• Illnesses or injuries attributable to war or warlike activities
• Expenses incurred for cosmetic or aesthetic treatments
• Self-inflicted injuries or injuries attributable to a suicide attempt
• Cost of accessories such as hearing aids, spectacles, or contact lenses
• Treatment for psychiatric conditions or mental illnesses
• Congenital diseases, birth defects, and anomalies
• Hospitalisation for the purpose of diagnosis or investigation
• Expenses incurred for unproven or experimental treatment procedures
• Claims related to pregnancy, childbirth, miscarriage, or related complications
• Treatment for sexually transmitted diseases and venereal diseases
• Expenses related to weight management or obesity treatments
• Dental treatment unless necessitated by an accident
• Non-medical expenses incurred during the time of hospital stay

Claim Procedure

The claim procedure can be initiated by notifying the company during an event of hospitalisation. The company’s customer service department can be contacted for any information about the claim process.

Cashless treatment is available in the 4,000+ network hospitals located in different parts of the country. Request for pre-authorisation can be sent from the hospital through fax or email along with the policy details. The company will verify the claim and provide the authorisation for all valid claims.

For reimbursement claims, the request may be filed after discharge from the hospital. Supporting documents such as discharge summary, medical bills, pharmacy receipts, prescriptions, diagnostic reports, physician certificate, etc. must be filed along with the claim form. The company will verify these documents and provide the reimbursement amount for all valid claims.