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.
People who meet the following eligibility criteria can subscribe to IFFCO Tokio Health Protector Plus Policy:
IFFCO Tokio Health Protector Plus Policy is available to customers with the following list of features:
The following benefits are available under this top-up policy cover:
|Benefits||Extent of Coverage|
|Inpatient hospitalisation expenses||Up to the sum insured limit after the exhaustion of the deductible amount|
|Ayurveda, homeopathy, and unani treatment expenses||Covered up to the sum insured limit|
|Domiciliary hospitalisation||Up to 20% of the sum insured amount|
|Emergency ambulance expenses||Actual expenses subject to a maximum of Rs.3,000|
|Daily cash allowance||0.1% of the sum insured amount per day for the duration of hospital stay|
|Coverage for organ transplant||Available|
The exclusions applicable to IFFCO Tokio Health Protector Plus Policy are as follows:
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.
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