IFFCO Tokio Health Insurance

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IFFCO Tokoi General Insurance

IFFCO Tokio General Insurance company was established in 2000. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates (Tokio Marine and Nichido Fire Group).

The company provides a list of insurance products to its customers. One of the best among them, IFFCO Tokio Health Insurance, offers broad coverage to look after the healthcare indemnities of individuals and families.

Highlights

RenewabilityLifetime
Network Hospitals5000+
Claim Ratio92.65%

Table Data updated on 19-11-2020

iffco tokio health insurance

Types of IFFCO Tokio Health Insurance

1. IFFCO Tokio Family Health Protector Policy

IFFCO Tokio Family Health Protector provides security to the whole family of the insured with the best medical treatment assistance along with numerous benefits at affordable premium rates.

Features:

  • The policy covers the hospitalisation expenses for room rent, treatment, surgery, nursing, organ transplantation, etc.
  • It offers coverage for pre-hospitalisation and post-hospitalisation expenses (45 and 60 days).
  • Coverage for 160+ daycare procedures is also provided.
  • Ambulance charges (Rs.2500 or 0.75% of SI, whichever is less) is covered by the policy.

Eligibility:

Entry Age18 years to 65 years
Sum InsuredRs. 1,50,000-30,00,000

Table Data updated on 19-11-2020

2. IFFCO Tokio Individual Health Protector Policy

IFFCO Tokio Individual Health Protector Policy offers coverage for healthcare expenses like hospitalisation, treatment, medicines, etc. on an individual as well as family floater basis.

Features:

  • The pre-hospitalisation charges for 45 days along with post-hospitalisation charges for 60 days are covered under the policy.
  • Vaccination and health check-up charges are included in the policy.
  • For each claim-free year, 5% of the basic sum insured at each renewal will be added as a cumulative bonus in the policy. But this bonus can be added up to a maximum of 50% of the basic sum insured of the expiring policy.
  • Daily allowance (0.20% of SI) is offered under the policy.

Eligibility:

Entry Age18-65 years
Sum InsuredRs. 50,000-20,00,000

Table Data updated on 19-11-2020

3. IFFCO Tokio Swasthya Kavach Policy

IFFCO Tokio Swasthya Kavach Family Health is a family floater health insurance plan that takes care of medical emergencies and ensures that the policyholder gets the best treatment and care without any financial hassles and compromises.

Features:

  • Policyholders (up to 60 years of age) do not need to undergo any medical check-up to buy the policy.
  • It offers coverage for normal room expenses (1% of basic sum insured) and intensive admissions (2% of basic sum insured) in the base plan.
  • Policyholders can avail of the benefit of the daily allowance (Rs.150/250 per day) at the time of hospitalization.
  • Dental surgery and treatment expenses (caused by an accident) are covered.

Eligibility:

Entry AgeAdults: 18-65 years
Children: 3 months to 23 years
Sum InsuredRs.2,00,000-5,00,000
Member Covered5

Table Data updated on 19-11-2020

4. IFFCO Tokio Individual Medishield Policy

IFFCO Tokio Individual Medishield Policy offers medical coverage to the policyholders and their families for the expenses that are incurred due to hospitalization, surgeries, organ transportation, etc.

Features:

  • The plan offers critical illness cover by paying the additional 30% amount of basic premium.
  • AYUSH treatment expenses (up to 10% of SI) are covered under the plan.
  • The plan provides coverage against the nursing expenses incurred during the pre and post-hospitalization.

Eligibility:

Entry Age18-65 years
Sum InsuredRs.50,000 - 5,00,000
Policy Term1 year

Table Data updated on 19-11-2020

5. IFFCO Tokio Individual Accidental Insurance Policy

IFFCO Tokio Individual Accidental Insurance offers essential financial support to the claimant in case of the untimely death of the policyholder because of an accident. The plan also offers coverage in case of permanent total disability, permanent partial disability, and temporary total disability.

Features:

If the policyholder dies because of an accident, the nominee is paid death benefits.

The plan covers ambulance costs and provides coverage for the loss of employment of the policyholder.

  • The plan offers education benefits to the dependent children of the policyholder if (s)he dies in an accident.

6. IFFCO Tokio Critical Illness Insurance Policy

IFFCO Tokio Critical Illness Policy assists the policyholder by offering financial support to cope with the health contingencies against the 25 listed critical illnesses.

Features:

  • Daily allowance benefits (up to Rs. 1000 per day) that cover cancer, bypass surgery, etc.
  • Individuals up to 50 years of age can opt for the policy without any pre-policy medical check-ups.
  • The policyholder can enjoy a sum insured of up to Rs. 1 crore.
  • Avail tax benefits under 80(D) of the Income Tax Act, 1961.

7. IFFCO Tokio Health Protector Plus Policy

IFFCO Tokio Health Protector Plus offers financial aid to the individual and his/her family to cope up with high medical expenses against serious illnesses.

Features:

  • It offers a daily cash allowance (0.1% of the sum insured) for miscellaneous expenses during hospitalization of the policyholder.
  • Pre and post hospitalisation expenses (60 and 90 days) are covered under the plan.
  • Ambulance charges (up to Rs.3000/claim) are also covered by the plan.

Eligibility:

Entry Age18 to 65 years
Policy Term1 year
Sum InsuredRs.2,00,000-25,00,000

Table Data updated on 19-11-2020

8. IFFCO Tokio Swasthya Raksha Bima

IFFCO Tokio Swasthya Raksha Bima policy is an affordable family floater plan especially designed for people dwelling in small towns and cities. The policy covers 2 adults together with dependent children (up to the age of 23 years) at low premium rates.

Features:

  • Ambulance expenses (up to Rs. 750) are covered by the plan.
  • Domiciliary hospitalisation costs are covered (20% of the sum insured).
  • The plan takes care of 161 daycare treatment expenses.
  • The plan also provides coverage for organ transplantation expenses.

Eligibility:

Entry AgeMinimum- 18 years
Maximum- 65 years
Policy Period1 year
Sum InsuredRs.1,00,000-5,00,000

Table Data updated on 19-11-2020

9. IFFCO Tokio MOS-BITE Protector Policy

IFFCO Tokio MOS-BITE Protector Policy is designed to provide comprehensive protection against listed vector-borne diseases.

Features:

The plan provides coverage against 7 vector-borne diseases:

  • Dengue fever
  • Malaria
  • Lymphatic Filariasis
  • Kala-azar
  • Chikungunya
  • Japanese Encephalitis
  • Zika Virus

Unlike other health insurance policies, the policy pays the sum insured in case the policyholder is hospitalised for 48 hours.

No pre-policy medical screening is required to purchase the policy.

Eligibility:

Entry AgeAdults: 18-65 years
Children: 91 days-23 years
Sum InsuredUp to Rs.1 lakh (in multiples of Rs. 5000)

Table Data updated on 19-11-2020

10. IFFCO Tokio Arogya Sanjeevani Policy

IFFCO Tokio Arogya Sanjeevani is a standard health policy that offers coverage to individuals and their families against medical expenses. The policy offers coverage up to Rs.5 lakhs.

Features:

  • AYUSH treatment taken in any AYUSH hospital is covered (up to SI) by the plan.
  • The plan takes care of pre and post-hospitalisation expenses (30 and 60 days).
  • With every claim-free year, the cumulative bonus will increase by 5% (maximum 50% of SI).
  • Fees of surgeons, anesthetists, specialists, or medical practitioners are also covered.

11. Corona Kavach Policy

Corona Kavach Policy shields against the expenses incurred due to COVID-19 related hospitalization/home care treatment expenses.

Features:

  • The policy looks after pre and post-hospitalisation expenses (15 and 30 days).
  • Telemedicine consultation charges are covered under the policy.
  • If the policyholder needs in-patient care for AYUSH treatments, its expenses will be taken care of by the plan.

Eligibility:

Entry AgeAdults: 18-65 years
Sum InsuredRs.50,000-5,00,000
Policy Period3.5 months, 6.5 months, and 9.5 months

Table Data updated on 19-11-2020

12. Corona Rakshak Policy

Corona Rakshak Policy provides a lump-sum benefit (equal to 100% of the SI) to the insured on the positive diagnosis of COVID-19. The insured should be hospitalized for a minimum continuous period of 72 hours to avail of the coverage.

Eligibility:

Entry AgeAdults: 18-65 years
Sum InsuredRs.50,000-2,50,000
Policy Period3.5 months, 6.5 months, and 9.5 months

Table Data updated on 19-11-2020

How To Purchase IFFCO TOKIO Health Insurance Online?

Online insurance buying can be tricky. You need a smooth and secure navigation process to buy health insurance. Luckily, two parties can provide you with absolute comfort without putting their guard down. Let's check them out.

From the Company's Official Website:

  • Visit the official website of IFFCO Tokio General Insurance and click on 'Buy' under the 'Health' tab.
  • Enter the details below and tap on 'Submit'.
  • Fill in the details to calculate the premium. Enter your personal details and medical history.
  • Make the premium payment and the policy document will be sent to your registered email address.

From PolicyX.com:

  • Visit the top of this page and fill the form 'Calculate IFFCO Tokio Health Insurance Premium'.
  • Different quotes from the health insurance companies will pop on your screen.
  • Choose the desired IFFCO Tokio health plan and pay the premium.
  • A soft copy of the policy will be shared on your registered email id.

What Is the Claim Process of IFFCO Tokio Health Insurance?

There are two ways to file an IFFCO Tokio health claim. Let's have a look at it.

Cashless Claim

  • Inform the TPA about the hospitalization. For planned hospitalisation, inform at least 3 days before the admission.
  • Report to the insurance helpdesk of the hospital with the IFFCO Tokio health card and other documents (photo ID, cashless request, etc).
  • Send all the documents to the TPA.
  • On approval, TPA will settle all the bills with the hospital.

Note: Approval for the cashless claim will be sent within 24 hours of the receipt of the required documents.

Reimbursement Claim

  • Get hospitalised and pay the bills. Once done, inform the company within 7 days of discharge.
  • Download the claim form of the company website and file for reimbursement.
  • Dial (1800 543 5499) to get the address of your local IFFCO office. Send all the relevant documents to that address.
  • The company will check the claim request and settle the claim if everything is in process.

Documents Required

  • Properly filled and signed claim settlement form.
  • All original documents associated with admission, treatment, and discharge of the patient.
  • KYC information like age and address proof (e.g. Aadhaar card, voter id card, passport, driving license, etc.).
  • Medical bills, receipts, prescriptions, and payment details.
  • Account details.
  • Others requested by the company.

How to renew IFFCO Tokio Health Insurance?

Follow the below-given steps to renew your IFFCO Tokio Health Insurance policy:

  • Visit the official website of IFFCO Tokio, click on the 'Renew', and select 'Health'.
  • Enter your name and policy number, and click on 'Proceed'.
  • On the next page, you will get the premium details of your policy.
  • Make the online payment and continue to enjoy the benefits of your health insurance.

How To Contact IFFCO TOKIO General Insurance Company?

Contact Address:

IFFCO Tokio General Insurance Company, Corporate Office, IFFCO Tower, Plot No. 3, Sector 29, Gurgaon - 122001, Haryana, India.

Customer Support:

Phone: 1800-103-5499

E-mail: websupport[at]iffcotokio[dot]co[dot]in

IFFCO Tokio Health Insurance: FAQs

1. Is there any mobile application for tracking and offering the help regarding the IFFCO Tokio policies?

Yes, a mobile application 'IFFCO Tokio - Customer' is available for 24/7 assistance regarding queries against IFFCO Tokio policies.

2. Can I port my existing similar health insurance from another provider to IFFCO Tokio Health Protector Plus?

Yes, you can.

3. Does IFFCO Tokio Swasthya Kavach Policy cover maternity/pregnancy-related expenses?

No, they aren't covered by the company.

4. Will I get tax benefits if I purchase an IFFCO Tokio health insurance policy for my family?

The policyholder is liable to get tax benefits under Section 80D of the Income Tax Act, 1961.

Page updated on 19-11-2020