Buy IFFCO Tokio Health Insurance | Compare & Get Online Discounts

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Updated on Jul 14, 2025 4 min read

IFFCO Tokio Health Insurance

IFFCO Tokio General Insurance Company became a company when two prominent companies joined in 2000. These two big companies are- Indian Farmers Fertilizer Cooperative Limited (IFFCO) and Tokio Marine Group, a Japan-based company. IFFCO Tokio offers a wide range of products to save you from the financial drain due to medical treatments.

What Does IFFCO Tokio Health Insurance Do?

IFFCO Tokio offers several quality-driven products to the customers that cater to the different healthcare needs of its customers. The plans offered by the company provide various benefits such as coverage for in-patient hospitalization, cashless facilities, health check-ups, ambulance charges, pre and post-hospitalization expenses, and much more.

7000+

Network
Hospitals

10,021

Gross Premium
2023-24

Versatile

Health
Insurance

Tier 2 and 3

Healthcare
Provider

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

Rural-centric initiatives launched by IFFCO Tokio
2

Wellness features integrated into IFFCO Tokio health plans
3

Emergency Ambulance services
4

Wide range of sum insured.
5

They have been serving in the market for 20 years.

IFFCO Tokio health insurance awards and accolades

'13th InfoSec Maestros (CISO) Awards 2024' Award
'BFSI CXO Awards 2024'
'CISO Leadership Awards 2024'
'Elets Healthcare Innovation Award'
'Asia's Best General Insurance Company (India) Award’

IFFCO Tokio Health Insurance Detailed Review

Why Do We Exist?

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Best Selling IFFCO Tokio Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual and Family Health Insurance

IFFCO Tokio Health Insurance Plans	Eligibility	Approximate Annual Premiums
IFFCO TOKIO MOS-Bite Protector Policy	Entry Age - Sum Insured - Up to 0	Rs.
Family Health Protector Policy	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of IFFCO Tokio Health Insurance

Let us take a look at some unique features of top-selling IFFCO Tokio Health Insurance policies:

For Individual and Family Health Insurance

IFFCO TOKIO MOS-Bite Protector Policy
Family Health Protector Policy

IFFCO TOKIO MOS-Bite Protector Policy

It is a benefit health plan offering wide coverage against vector-borne diseases. The plan offers a lump sum benefit if you are diagnosed the listed vector-borne diseases.

Why Do We Recommend This?

Dengue fever Coverage
Malaria Cover
Kala-azar Cover

Explore other IFFCO Tokio Health Insurance

To cater to the different medical needs of an individual & their family, IFFCO Tokio Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to IFFCO Tokio Health Insurance plans explore more:

Individual and Family Health Insurance

IFFCO TOKIO MOS-Bite Protector Policy

IFFCO TOKIO Mos Bite Protector Policy provides a lump sum amount on the diagnosis of the vector-borne diseases covered by the policy. Mos bite protect...

Unique Features

Coverage for 7 diseases
Family coverage
Up to 1 lakh SI

IFFCO TOKIO MOS-Bite Protector Policy (Pros)

Lumpsum SI up to 1 Lakh
Dengue Cover
Malaria Cover

IFFCO TOKIO MOS-Bite Protector Policy (Cons)

Adventure Sports injury
illegal activities
self-inflicted injuries

IFFCO TOKIO MOS-Bite Protector Policy (Other Benefits)

High sum insured
Covers entire family
Zika Virus Cover

IFFCO TOKIO MOS-Bite Protector Policy (Eligibility Criteria)

Min entry age - 18 Years
Max entry age - 65 Years
Sum Insured - Up to 1 L
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Family Health Protector Policy

Family Health Protector by IFFCO Tokio is a comprehensive policy that covers your family from medical expenses in times of need at an affordable price...

Unique Features

Restoration of the Sum Insured
Coverage Against Terrorism
Emergency Assistance Service

Family Health Protector Policy (Pros)

Income Tax benefits.Hassle free claims
4000 network hospitals

Family Health Protector Policy (Cons)

Pre-Existing Diseases
Illegal activities
Self-harm

Family Health Protector Policy (Other Benefits)

Medical Consultation
Emergency Cash
Modern Treatment

Family Health Protector Policy (Eligibility Criteria)

18 to 65 Years

Why Choose IFFCO Tokio?

Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 7000 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

Factors to Consider While Buying A Health Insurance Plan

Choosing a health insurance plan can be complicated. But when you have an idea of what the plan is about and what are the things you need to consider before making the decision. Here are some of the factors that you should consider before buying a health insurance policy-

Individual or Family Floater Plan
Whenever choosing a plan your first step should be to check whether your requirement is for yourself or for your family. Most of the time family floater plans are beneficial for those who want to secure their family as it is cheaper than the individual one.
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help a lot to meet the expenses. In this, it is also necessary to choose a policy that offers maximum coverage and amount for your health claims.
Co-Payment Clause
Every policy has some clauses that you need to follow. A co-payment clause is one of those clauses. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
Hospital Network
Always check the list of network hospitals included in your policy. Keep in mind what kind of medical facilities you might need in the future.
Waiting Period
Look for the time period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
Lifetime Renewal
It might be possible that you need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims and vice versa.

What is Covered?

Pre and Post Hospitalization Expenses

IFFCO Tokio Health Insurance covers pre-hospitalization expenses up to 60 days of admission, and post-discharge expenses till 180 days.

AYUSH Treatments

IFFCO Tokio Health Insurance plans have in-built alternative treatment cover that you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

All the hospitalization expenses incurred while undergoing treatment in the hospital like room rent, consultation, and surgical expenses will be covered by the health insurance policy.

Day Care Treatments

Medical advancements have made the procedures very fast. Many surgeries like cataract takes only 24 hours and IFFCO Tokio health insurance covers them all.

Prescription Medicines

You will be covered for any prescribed medicines that you are taking during your treatment from the medical insurance plans.

What is not Covered?

Self Inflicted Injuries

IFFCO Tokio health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

IFFCO Tokio Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

IFFCO Tokio Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

IFFCO Tokio Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

IFFCO Tokio health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In IFFCO Tokio Health Insurance Plans?

The various waiting periods associated with IFFCO Tokio Health plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most IFFCO Tokio Health Insurance plans.

Pre-existing Disease Waiting Period

IFFCO Tokio Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.

Survival Period

Like waiting periods, IFFCO Tokio health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

IFFCO Tokio Health Insurance Network Hospital List

IFFCO Tokio Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, IFFCO Tokio Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

IFFCO Tokio Health Insurance Plans Buying Process

If you are looking forward to purchasing Star Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare IFFCO Tokio Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your IFFCO Tokio Health Insurance plan.

Why Choose Online Procedure to Buy Mediclaim Policy?

Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.

Easy to Compare
Online platforms give access to compare different IFFCO Tokio Health plans at the same place. You can pick the right one for you while comparing the premiums.
Buying Insurance within 5 minutes
At an online platform you can choose and buy your policy within 5 minutes, without any hustle and bustle.
24*7 Customer Service
The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
Instant Quote
With online accessibility, you can get quotations with one click. You can collect several quotes and choose the right one for you.

IFFCO Tokio Health Insurance Renewal Process

Follow the steps for IFFCO Tokio Health Insurance policy renewal

Step 1
Visit the official website of IFFCO Tokio Health Insurance Company
Step 2
Click on the ‘Renew’ tab
Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’

Connect with our insurance experts for IFFCO Tokio health insurance policy renewal at 1800 - 4200 - 269

IFFCO Tokio Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your Star Health Insurance Plans by following these easy steps:

Step 1
Inform the TPA about the hospitalization. For planned hospitalization, inform at least 3 days before admission.
Step 2
Report to the insurance helpdesk of the hospital with the IFFCO TOKIO health card, IFFCO TOKIO health claim form, and other documents (photo ID, cashless request, etc.)
Step 3
Send all the documents to the TPA.
Step 4
On approval, TPA will settle all the bills with the hospital.
Step 5
Approval for the cashless claim will be sent within 24 hours of receiving the required documents.
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For IFFCO Tokio Health Policy Claim Settlement

Submit the following documents when filing for Niva Bupa health claims:

Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information Report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance: FAQs

1. Is there any mobile application for tracking and offering 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.

5. How many times can I claim during a policy period under Iffco Tokio Medical Insurance?

During the policy time, you can make as many claims as you like as long as your sum insured is not exhausted.

6. Are pre-entry medical examinations required for buying Iffco Tokio Medical Insurance?

The need for pre-entrance medical examinations totally depends on the plan you choose, your entry age, and the sum insured you have selected. However, keep in mind that in the older age, Pre-entrance medical examinations are necessary.

7. I am a non-smoker and live a healthy lifestyle. However, I have a family history of Diabetes & B.P. Will it affect my Iffco Tokio Mediclaim premium?

Having a family history of Diabetes & BP may impact your premiums, as a customer with diabetes has to pay more than a person without a preexisting condition.

8. Is it possible for me to get multiple health insurance policies?

Yes. In that case, both health insurance plans will split the claim equally (up to the sum assured) and cover your medical expenses.

9. I work in an MNC, where I have been covered under a Group Health Insurance of INR 5 Lakhs. Do I still need to buy another health insurance policy?

Generally, Group Health Insurance doesn’t offer a vast coverage, and hence can fall short at the time of a medical emergency. Moreve, if in future you decide to switch the company, you will be left with no coverage at all. Therefore, buying another plan along with a Group Health Policy is not a bad idea.

10. How can I check my Iffco Tokio Health Insurance policy status?

Visit the Iffco Tokio official website’s ’Claim Status’ section to check the status of your insurance policy. After that, enter your policy/claim number and click ’Submit.’ The next page will show the status of your Iffco Tokio policy.

11. Do the Health plans offered by IFFCO TOKIO offer coverage against naturopathy and homeopathy treatments?

Yes! AYUSH treatments including Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered under the IFFCO TOKIO health plans.

12. How many IFFCO TOKIO health plans offer coverage against critical illness?

IFFCO TOKIO offers a health insurance plan called Critical Illness Insurance Policy, which is specifically designed to cover 25 critical illnesses. However, other plans such as Family Health Protector Policy, Swasthya Kavach Policy, and Individual Medishiled Policy also offer critical illness coverage if you pay an additional premium.

13. What is the time frame to inform the company in case of emergency hospitalization in IFFCO TOKIO Network Hospitals?

You must inform IFFCO TOKIO General Insurance within 24 hours of hospitalisation in case of emergency hospitalisation.

14. What would happen if I cancel a health plan of IFFCO TOKIO after purchase?

Your health insurance plan will stop from the date of policy cancellation. Also, you will get your premium back as per the rates of short-period cancellation as per the terms and conditions of the policy.

15. What is the settlement ratio for IFFCO Tokio health insurance?

The claim settlement ratio is IFFCO Tokio is 90.65%.

16. How long does it take for IFFCO Tokio’s health insurance claim to settle?

7 working days

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IFFCO Tokio Health Insurance

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IFFCO Tokio Health Insurance

What Does IFFCO Tokio Health Insurance Do?

IFFCO Tokio health insurance awards and accolades

IFFCO Tokio Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

Best Selling IFFCO Tokio Health Insurance Plans

Individual and Family Health Insurance

Key Features Of IFFCO Tokio Health Insurance

For Individual and Family Health Insurance

Why Do We Recommend This?

Why Do We Recommend This?

Explore other IFFCO Tokio Health Insurance

IFFCO TOKIO MOS-Bite Protector Policy (Pros)

IFFCO TOKIO MOS-Bite Protector Policy (Cons)

IFFCO TOKIO MOS-Bite Protector Policy (Other Benefits)

IFFCO TOKIO MOS-Bite Protector Policy (Eligibility Criteria)

Family Health Protector Policy (Pros)

Family Health Protector Policy (Cons)

Family Health Protector Policy (Other Benefits)

Family Health Protector Policy (Eligibility Criteria)

Recommended Videos

Why Choose IFFCO Tokio?

Factors to Consider While Buying A Health Insurance Plan

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Prescription Medicines

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

What Are The Different Waiting Periods In IFFCO Tokio Health Insurance Plans?

Initial Waiting Period

Pre-existing Disease Waiting Period

Survival Period

IFFCO Tokio Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

IFFCO Tokio Health Insurance Plans Buying Process

Why Choose Online Procedure to Buy Mediclaim Policy?

IFFCO Tokio Health Insurance Renewal Process

IFFCO Tokio Health Insurance Plan Claim Process Steps

Documents Required For IFFCO Tokio Health Policy Claim Settlement

Health Insurance Premium Calculator

More Queries?

Explore IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance: FAQs

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

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

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

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

5. How many times can I claim during a policy period under Iffco Tokio Medical Insurance?

6. Are pre-entry medical examinations required for buying Iffco Tokio Medical Insurance?

7. I am a non-smoker and live a healthy lifestyle. However, I have a family history of Diabetes & B.P. Will it affect my Iffco Tokio Mediclaim premium?

8. Is it possible for me to get multiple health insurance policies?

9. I work in an MNC, where I have been covered under a Group Health Insurance of INR 5 Lakhs. Do I still need to buy another health insurance policy?

10. How can I check my Iffco Tokio Health Insurance policy status?

11. Do the Health plans offered by IFFCO TOKIO offer coverage against naturopathy and homeopathy treatments?

12. How many IFFCO TOKIO health plans offer coverage against critical illness?

13. What is the time frame to inform the company in case of emergency hospitalization in IFFCO TOKIO Network Hospitals?

14. What would happen if I cancel a health plan of IFFCO TOKIO after purchase?

15. What is the settlement ratio for IFFCO Tokio health insurance?

16. How long does it take for IFFCO Tokio’s health insurance claim to settle?

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