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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 Health Protector Policy

The health protector plan provides benefit of being stress free form various health related issues like hospitalization, treatment expenses, cost of medication and various other type of financial loss that occur during serious health hazards. The IFFCO Tokio Health protector Policy provides insurer and family member a complete protection from pocket crisis. Here family members included are parents, spouse, children, nephew, niece or any other dependent that lives with insurer. The various benefits and limitation of policy are described below in data. This information will answer all the questions that are generating in your mind relate to policy.

Basic Benefits



Hospitalization room and nursing expenses coverage

Normal room expenses- the coverage of room expenses includes 1.50% to 1.75% of assured basic SI or per day basis or which ever suitable.

ICU/ITU room expenses- This provided payable benefits between 2.5% to 3% of SI depending on city or per day basis or which ever suitable.

Registration, surcharge, service charges and other expenses

The amount payable is maximum up to 0.5% of sum insured in policy

Medical consultant, anaesthetist, experts and surgeon expenses

Actual amount up to SI of policy

Vitamins, tonics and other treatment expenses

Actual amount up to SI of policy

Anaesthesia, oxygen, blood, surgical appliances, medicines, drugs, dialysis, chemotherapy, artificial limbs, organ cost, X-ray and pace maker expenses

Actual amount up to SI of policy

Domiciliary hospitalization customary charges

Maximum up to 20% of the sum insured in policy

Terrorism expense coverage

Actual amount up to SI of policy

Ayurvedic and homeopathic treatment coverage

Actual amount up to SI of policy

Additional Benefits



Daily Allowance

Maximum up to 0.20% of sum insured per day for the particular duration of hospitalization

Cumulative bonus

CB of maximum up to 5% of basic SI will b provided for each claim free year and increases up to 50% for basic SI at expiring policy.

Transportation charges

Policy includes only transportation charges of ambulance that is up to 1% of the SI or Rs. 2500/- which ever is suitable in situation.

Day care surgeries

With no limitation of 24 hours hospitalization the day care surgeries benefits are included in policy

Health check-up expenses

Medical check-up reimbursement is provided at the end of four claim free policies

Vaccination expenses

Policy includes pay back for vaccination cost at the end of every block of two policy period of 365 days

Emergency assistance services

IFFCO is the first come company that provides you the benefit of these additional services

  1. Medical Consultation

  2. Medical Repatriation

  3. Transportation expenses benefit

  4. Emergency medical examination

  5. Return of mortal remains

  6. Minor child care

  7. Emergency cash coordination

  8. Join patient transportation

Basic Exclusions



Pre- existing diseases

They are excluded till 36 months of policy commencement

Diabetic diseases

The following diabetic conditions are excluded

Diabetic Nephropathy

Diabetic retinopathy

Diabetic Neuropathy

Diabetic Angiopathy

Diabetic Hypoglycaemia


Diseases excluded

CVA Hemorrhagic




Hypertensive nephropathy

Hypertensive retinopathy



Other exclusions

Eye and dental treatment cost

Contact lenses cost

Maternity expenses


Experimental treatment

Unproven treatment

Mental disorders

Genetic disorders

Nuclear risk

Domiciliary hospitalization