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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
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  • 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
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  • 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
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IFFCO Tokio Critical Illness

The facilities of health insurance is a relief for people in their times of financial and physical anxiety. Whether it be a normal health insurance or critical illness health insurance both are beneficial the only difference remains is that critical illness being more valuable under which customer gets a benefit of provided with lump sum money in situations of specific illness mentioned in policy norms. The customer also has a freedom of utilizing the policy amount either for medical treatment or according to their requirements. The IFFCO Tokio Critical Illness is such health insurance policy providing financial support in times of medical unpredictability or specific critical disease or accident that made volatility in your life.

This critical policy is specifically provided for certain critical illness situation that is particularly mentioned in norms of policy documents. However, the benefits of this policy are not entertained in any other medical situation that isn’t included in norms. The main aim of IFFCO Tokio is to provide its customer with best comfort as per their condition as its docket line says Muskurate Raho. The IFFCO Tokio critical illness tries to maintain that identity by providing you with benefit of helpful support in times of critical illness financial crisis.

Suitability Criteria

The following categories of people can have benefits of the policy in their life

  • The employers of company can provide policy to their employee along with the dependants of the employee
  • Service club registered members
  • For per recognized group or fragment of people where the state or central Government initiates premium
  • The financial or credit card holders
  • The certificate or deposit of banks or Non-banking Financial Companies owners
  • The stockholders of public limited companies and cooperative societies
  • The teachers and students of various educational institutes
  • The associates of any other common group having specific identification or notice in society

Specific features

  • The policy provides standard medical cover to customers that is affordable for people
  • Full-sized medical cover
  • The critical illnesses that are included under policy are cancer, renal failure, coronary artery (Bypass surgery included), organ transplant, major accidental injuries requiring hospitalization, loss of limb injuries, renal failure and cerebral stroke leading to paralysis
  • The policy includes first time diagnosis coverage option, if person is previously suffering from disease before the proposal of policy will not get included under this section
  • The sections 11 to 19 including “definitions of words” are followed under policy
  • In situation of availing cashless hospitalization at network hospital then in this case no compensation of expenditures will be provided by policy
  • The confirmation f critical illness is required for the customer to get it certified from medical consultant
  • Payment will made in respect to specified critical illness situation only




Pre – existing illness or disease before initiation of policy

Excluded from coverage

Medical dues in first 120days of insurance initiation

Excluded from coverage

Drug or alcohol addiction treatment

Excluded from coverage

Self injury or suicidal illness

Excluded from coverage

War, nuclear and any other terrorism hazard illness

Excluded from coverage

Human T-cell lymphotropic diseases

Excluded from coverage

Lymphadenopathy associated diseases

Excluded from coverage

Sexually Transmitted Diseases or AIDs

Excluded from coverage