A sudden illness or health condition could lead to unplanned expenses that may cause a dent in your savings. Thus, to ensure that you are able to manage your medical expenses efficiently, it is necessary to buy a health insurance policy with a comprehensive coverage. The IFFCO Tokio Individual Health Protector Policy is one such policy that offers health insurance coverage to both you and your dependents under a single insurance cover on an individual sum insured basis.
This policy can be purchased on an individual sum insured basis to cover yourself and your dependents, including your spouse, children, siblings, nephews, nieces, brothers-in-law, sisters-in-law, or any other dependent relatives that you may have.
The various hospitalisation benefits and services offered by IFFCO Tokio for the Health Protector Policy are mentioned below:
|Room rent charges||
|Consultation charges||Charges/fees paid to the medical practitioner, consultant, or anaesthetist is covered by this plan.|
|Cost of anaesthesia, oxygen blood, chemotherapy, cost of organ, artificial limbs, and other such similar expenses||Covered by the policy.|
|Vitamins and tonics||Expenses incurred for vitamins and tonics will be covered if it is required as part of the treatment.|
|Ayurvedic, Homeopathic, Unani, Sidha treatments||Expenses incurred for Ayurvedic, Homeopathic, Unani, Sidha treatments will be covered up to the sum insured limit. Further, pre and post-hospitalisation expenses for the same are also covered.|
|Domiciliary hospitalisation||Up to 20% of the sum insured.|
|Daily allowance||Up to 0.20% of the sum insured per day.|
|Ambulance charges||Up to 1% of the sum insured or Rs.2,500, based on whichever is the lesser amount.|
|Pre and post-hospitalisation expenses||
|Daycare procedures||121 daycare procedures, as mentioned in the policy brochure, are covered.|
|Cost of health check-up||Cost of health check-up will be reimbursed at the end of 4 four consecutive claim-free years. The maximum amount reimbursed cannot exceed 1% of the average sum insured of the four claim-free years.|
|Vaccination expenses||Vaccination expenses will be reimbursed at the end of two consecutive policy years, subject to a maximum of 10% of the total premiums paid during the two years.|
|Emergency services||The emergency assistance services that are mentioned in the policy brochure will be covered at no additional cost.|
*Note: The list of exclusions mentioned above is not exhaustive. For a full list of exclusions, make sure to check the policy brochure.
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