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Individual

female
male

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
    Buy now
  • 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 Swasthya Kavach Family Health

IFFCO Tokio is a very reputed brand in the market scenario of insurance sector that offers best-suited individual as well as family insurance policies for benefit of its customers. Among this collection of policies the “IFFCO Tokio Swasthya Kavach Family Health” is the particular policy that provided financial benefits not only to individuals but whole family in times of medical crisis as well as works as “

Swasthya Kavach

” for customers. This policy is a perfect blend of being beneficial, affordable, competitive, pocket-friendly and saver insurance policy for you. Want to know what are the details of requirements and benefits that are included in policy are described below in details, just have a read and make decision according to your requirement.

Age band

Entry age band for Insurer/spouse- 18years to 60years

Entry age band for children- 91days to 23years

Specific features

  • Policy provides coverage for insurer, spouse a dependant children
  • Affordable premium is offered in policy
  • Two plans are provided in policy that includes Basic Plan as well as Wider Plan
  • There is feature of prosthetic device like Pacemaker, Artificial Limbs etc.
  • The accidental coverage includes dental surgery and treatment reimbursement
  • Day care surgeries
  • Vitamin and tonic consistent with illness coverage included in policy
  • The cumulative bonus of 5% on every claim free year of policy and maximum up to 50% included in CB of policy
  • Health check-up for full family after every 4claim free year included in policy
  • In the first two continuous year of policy the expenses of treatment for Renal failure, heart diseases, Carcinoma, Sarcoma and Blood cancer are additional exclusion
  • Medical consultation, referrals and consultations fees
  • Emergency medical evaluation
  • Medical repartition
  • Transportation to join patient
  • Income Tax benefits included as per conditions under Section 80D
  • Hassel free claim policy
  • Cashless benefits
  • 4000 plus network hospitals
  • Sum insurance of 2lakh, 3lakh, 4lakh and 5lakh

2 types plans of Swasthya kavach

Basic Swasthya Kavach

S. No

Coverage

Description

1

Cost of health check-up

Not covered

2

Daily Allowance

Rs. 150/- per day

3

Post – Hospitalization

Medical expenses of hospitalization that is 7% up to maximum 30 days up to Rs. 7500/-

4

Ambulance Charges

Rs 750/- or real cost whatever is less

5

Room rent hospital expenses

Covered

6

Sub-limit per day for normal room expenses

1.0% of basic SI

7

Sub-limit per day for intensive

2.0% of basic SI

8

Cumulative Bonus

Not covered

9

Limit if liability

Basic Sum insured

10

List specified of treatments expense limit per treatment per claim or actual whichever is less for example piles, fistula, piles, Tonsillitis, Cataract, Sinusitis, Hemia, Knee/Hip Joint replacement etc.

Covered

Wider Swasthya Kavach

S. No

Coverage

Description

1

Cost of health check-up

1% of the average floater sum insured is reimbursed in policy for basic 4 claim free year

2

Daily Allowance

Rs. 250/- per day

3

Post – Hospitalization

Medical expenses of hospitalization up to 60 days

4

Ambulance Charges

Rs 1500/- or real cost whatever is less

5

Room rent hospital expenses

Not covered

6

Sub-limit per day for normal room expenses

1.5% of basic SI

7

Sub-limit per day for intensive

2.5% of basic SI

8

Cumulative Bonus

Increased by 5% of basic SI and can be increased maximum up to 50%

9

Limit if liability

Option I – the liability limit is Sum Insured +CB for every claim free year

Option II- Basic Sum Insured+ CB on basic sum insured


10

List specified of treatments expense limit per treatment per claim or actual whichever is less for example piles, fistula, piles, Tonsillitis, Cataract, Sinusitis, Hemia, Knee/Hip Joint replacement etc.

Not covered