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Individual

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Family

Family Policy
 

Most Popular Policies of IFFCO Tokio

  • IFFCO Tokio Car Insurance Plan
    This car insurance plan offers comprehensive protection to the vehicles from accidental damage.
    Key features of Car Insurance policy
    • On road protection coverage is available
    • Availability of Tokio’s value auto coverage
    • Free inspection available at doorstep
    • 12 additional benefit available
    Buy now
  • IFFCO Tokio Swasthya Kavach Family Health Plan
    This family health cover offers protection against treatment expenses of family members.
    Key features of Swasthya Kavach Family Health Plan
    • Claims are settled by in-house team
    • Co-pay not applicable and full claim is paid without deduction
    • Special discount for those who avail either IFFCO Tokio group policy or IFFCO Tokio Motor Two Wheeler policy
    • Coverage of 10 critical illnesses available in critical illness extension cover
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  • IFFCO Tokio Critical Illness Policy
    The policy offers lump sum benefit in if policyholders are diagnosed with any of the pre-specified critical ailments.
    Key features of Critical Illness Policy
    • Coverage available for 6 critical illnesses
    • Coverage available for more than 1 policyholder and his legal heirs
    • Reimbursement of hospitalization expenses on diagnosis of critical illnesses
    • Coverage available for cerebral stroke, cancer, renal failure and organ transplant expenses
    Buy now
  • IFFCO Tokio Individual Medishield Policy
    This individual health insurance policy covers hospitalization expenses of policyholders.
    Key features of Individual Medishield Policy
    • Availability of optional Critical Illness Extension cover
    • Coverage available for Ayurvedic and Homeopathic treatments
    • co-pay not applicable
    • Domiciliary hospitalization expenses are covered
    Buy now

IFFCO Tokio Health Protector Plus Policy

With the increasing cost of medical treatment and increasing demand of better treatment in customers let the policy-makers in insurance sector to introduce such policies that work as complete protector for people’s health related issues and treatments. One such policy that is available in market named as IFFCO Tokio Health Protector Plus Policy consist of not only the payable amount for your hospitalization and medical expense but policy acts as additional cover for deductible amount of its customers.

Policy Categories

Individual policy – Self, spouse, parents, children

Floater policy- Self, Spouse, Children

Age Band

Entry age band for insurer/spouse – 18 to 65years

Entry age band for children- 3months to 25years (If only one of the parent is covered in policy)

Specific Features

  • The renewable period for policy is life long without any age restriction
  • No other basic health policy is required to opt for this policy
  • High coverage range with very low premium
  • Now this policy offers a specific feature that includes Waiver to deductible in case of employment loss, that provides benefit for not giving the deductible amount and get the full SI payable in case of job loss or employment loss for duration of 30/60/90 days.
  • The policy provides complete freedom for choosing the deductible to be applied or aggregate for all the 1year claims on the basis of 8 plans described in table

PLAN

SUM INSURED

DEDCUTIBLE AMOUNT

A

2,00,000

1,00,000

B

4,00,000

2,00,000

C

5,00,000

2,00,000

D

5,00,000

3,00,000

E

750,000

3,00,000

F

10,00,000

5,00,000

G

15,00,000

5,00,000

H

25,00,000

5,00,000

*Deductible amount is the amount borne by the insured

  • Income Tax Benefit under section 80 D
  • Cashless claim facility is available for insured person
  • Network of 4000 hospitals around India
  • Special emergency Assistance services are provided with no extra charges in policy
  • The portability option is included in which you can shift up to other beneficial policies of company
  • Medical check-up reimbursement is provided up to the age of 45 years with subject to no adverse medical history and for some specific tests after the age of 45.

Coverage

COVERAGE

DESCRIPTION

Hospitalization expenses

Hospital room rent, medical consultation fees, nursing expenses, anesthetist cost and medical practitioner fees

Other added hospitalization expenses

Anesthesia, Oxygen, Operation theatre, Medicines, drugs, surgical appliances,

Therapy cost

Radiotherapy, Chemotherapy, and Pacemaker

Cost of transplantation

Organ transplantation and artificial limbs cost with similar expenses

Ayurvedic and Homeopathic Treatment

These treatments done under Government recognized hospitals are payable. The coverage includes pre and post hospitalization expenses

Ambulance Charges

Rs. 3000/- or actual expense (which ever is less)

Daily Allowance

.10% of the basic SI is offered as daily allowance

Donor Expenses

Donor expenses during the course of organ transplantation treatment

Non-coverage

EXCLUSIONS

DESCRIPTION

Pre-existing diseases

Not covered in policy up to the period of 48 months of policy amendment

STDs and AIDs

Not covered in policy

Self Intended treatment

Suicide, drug abuse, alcohol consumption, war, unlawful activity

Diseases

Cataract, Hernia, Fissure, Sinusitis, Gastric ulcers, Joint replacement, Cysts, Disc disease and spinal disorders.

Other illnesses

Mental disorder, genetic disorder, stress, convalescence, congenital abnormality, venereal disease, cosmetic surgery

Maternity Expenses

Pregnancy or child birth

Miscellaneous Cost

Contact lenses, hearing aids, spectacles etc.