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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 Individual Medishield

The joint venture of IFFCO and Tokio Marine and Nichido Insurance Co. Ltd in 2000, lead to the formation of IFFCO Tokio General Insurance Co. Ltd. as one of the leading insurance provider in country. The company emphasis on providing insurance from travel to household, injury to critical illnesses, health to travel insurance providing mind comfort to its customers. Now, making the diversion of topic towards the health care facilities that are required for diagnosis, treatment and prevention of any injury or illnesses. These health care facilities are most imperative and indispensable requirements that are mandatorily involved in life of people. Every person now or then gets ill and requires some physical, mental or financial help in these critical situations.

The health care insurance policies of IFFCO Tokio are born to fulfil these requirements of their customer and provide them pacific bodily benefits. This particular policy of IFFCO Tokio Individual Medishield works as “Complete Protector” that involves medical treatment expenses of accidents and diseases. Along with basic benefits of policy there are certain added benefits of optional cover that provide additional SI in critical illness circumstances.

Age Band

  • Customer age band – 91days to 45years without medical check-up
  • Customer age band- above 45years with medical check-up

Specific Features

  • The tax benefit is included under section 80 D
  • Easy claim procedure
  • Policy provided hospitalization facility over more than 4000 network hospitals all over India
  • There is a toll free number 1800-103-5499 provided for getting treatment facility in any network hospital
  • Claim settled is provided if treatment is opted under any other non-network hospital
  • Annual basic cover of Rs. 1,00,000/- plus is provided along with extra critical illness optional extension of Rs. 1,00,000/-




The policy provides customized and reasonable charges of medical expenses during hospitalization for Hospital room (1% of SI), therapeutic unit expenses (2.5% of SI), nursing expenses, registration and service charges or similar charges expense.

Any pre-existing disease, illness or injury, until 2years of first policy is not included in policy.

Policy included fess of surgeon and consultants or medical practitioner

The hospital expenses that are made during first 30days of policy initiation

Hospital expenses of oxygen, blood, operation, medicines/drugs, surgical instruments, X-ray dialysis, radiotherapy, chemotherapy, pacemaker cost, artificial limbs, organ cost for transplantation or similar expenses

Any expense for 1st year treatment of following diseases







Congenital Internal Diseases



The expenses for vitamins, tonics and other essential that work as part of treatment are included in policy

Injury of disease occurring by getting involved or occurrences of war, terrorist activity, nuclear hazard.

These above described expenses are payable up to maximum aggregate of 20% of basic SI in policy not above that limit

Hearing aids and contact lenses cost.

There is inclusion of daily allowances (Rs. 250/- or .1% of SI) for other miscellaneous hospital expenses

Dental treatment or surgery

Ambulance charge (Rs. 1500/- or 1.0% of basic SI)

Congenital abnormality, sterility

Ayurvedic hospitalization cost including both pre and post medical expenses can be claimed up to 10% of the basic SI of the insured person annually.

STDs and AIDs

Hospitalization expenses of organ donor are covered in policy.

Drugs and alcohol abusive treatments

The facility of Cumulative Bonus of 5% of basic SI for each claim free year and can be extended up to 50% for the expiring policy.

Expenses of X-ray, Laboratory test, domiciliary hospitalization claim

During the completion of four claim free policies there is reimbursement for health check-up cost to the insured person that should not exceed more than 1% of basic SI.

Maternity hospital expenses, self-injuries, suicide and any other intentional injury is excluded from policy.

Medical cost of OPD treatment.

Any medical cost of naturopathy, experimental treatment, Non-allopathic treatment, magnetic therapies, genetic disorders and stem cell surgeries are excluded from policy.

Age Band

Customer can get benefit optional critical illness coverage that is equal amount to normal policy coverage money on payment of 30% additional premium.

The below described in list of optional coverage critical illnesses


Cerebral stroke leading to paralysis

Malignancy Cancer

Kidney end stage dialysis

Coronary Artery disease (Bypass surgery)

Organ Transplantation (Kidney, pancreases, lungs and bone marrow)

Loss of limb surgery

Liver disease

Major burning injuries


Multiple Sclerosis

Sum Insured = Rs 5 lakh
  • Age (in years)
  • Deductible (in Rs)
  • 1 lakh
  • 2 lakh
  • 3 lakh
  • 91 days- 35
  • 1999
  • 1049
  • 899
  • 36-45
  • 2750
  • 1500
  • 1400
  • 46-60
  • 4813
  • 2925
  • 2170
  • 61-75
  • 10106
  • 5704
  • 3472
  • 76 and above
  • 24053
  • 14254
  • 9090