IFFCO Tokio Health insurance

IFFCO Tokio Individual Health Protector Policy

If you are good, then only you can make everything else better. If one does not take care of own health and body then there is very less scope left that he/ she can take care of needs and requirement of his/ her loved ones. Now a day we miss - understood logic behind self-care and people rely on technology and claim this as self-care. But making things easy and taking help of technology don’t solve problems but increase health problems.

Various diseases along with the lifestyle diseases make body their house. IFFCO Tokio Individual Health Protector Policy offer health cover for an individual and his/ her family for illness, disease or injury cover. IFFCO Tokio Individual Health Protector Policy also assists the individual to get the benefit of expensive health care facilities without thinking about any money factor twice.

Benefits and Features of IFFCO Tokio Individual Health Protector Policy

• The policyholder can buy customized individual Mediclaim policy for different family members with different features and benefits as per their individual requirements.
• IFFCO Tokio Individual Health Protector Policy offer cashless Mediclaim policy offers to the policyholder. There is the option to pay a basic amount over and above the Mediclaim policy premium to enjoy coverage for specified critical illness.
• IFFCO Tokio Individual Health Protector Policy has an in-house team that helps the policyholder at the time of filing an insurance claim and ensure a smooth claim settlement without any need of any TPA.
• For each claim free year, 5% of the basic sum insured at each renewal will be added as a bonus to the cumulative bonus of policyholder. But this bonus can be added only up to a maximum of 50% of the basic sum insured of the expiring policy.
• All the medical costs pertaining to Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, OT, Chemotherapy, Dialysis, Prosthetic limbs or devices etc. are also covered under the IFFCO Tokio Individual Health Protector Policy.
• IFFCO Tokio Individual Health Protector Policy offers critical illness cover than prepare the individual to face critical illness without rattling the economic status. Cover for the following critical illness is offered by IFFCO Tokio Individual Health Protector Policy-
• 1. Open Chest CABG
  2. Multiple sclerosis with persisting symptoms
  3. Major Organ /Bone Marrow Transplant
  4. Stroke Resulting in Permanent Symptoms
  5. First Heart Attack - of specified severity
  6. Motor neurone disease with permanent symptoms
  7. Cancer of specified severity
  8. Permanent Paralysis of Limbs
  9. Open Heart Replacement or Repair of Heart Valves
  10. Kidney Failure Requiring Regular Dialysis
  11. Coma of specified severity

Exclusions of the IFFCO Tokio Individual Health Protector Policy

• Any injury or disease arising directly or indirectly due to war, invasion, any act of a foreign enemy, performing duties as a serving member of the armed forces or a police force.
• Any Gastric and Duodenal Ulcers are not covered under the IFFCO Tokio Individual Health Protector Policy.

IFFCO Tokio Swasthya Kavach Family Health Insurance Policy

Family is always the top prosperity of a common man. No matter what he eats, what he does and where he goes! There is always a point of view of family that he, she carries, always. IFFCO Tokio Swasthya Kavach Family Health is a family floater health insurance plan by IFFCO Tokio. It perfectly takes care of the medical emergency need that arises due to a medical emergency.

IFFCO Tokio Swasthya Kavach Family Health policy also takes care of emergency medical evacuation of the policyholder, assessment, consultation and referral thus ensuring that the policyholder gets a superior treatment and care without having to worry about any financial hassle and compromises.

Benefits and Features of IFFCO Tokio Swasthya Kavach Family Health Insurance Policy

• IFFCO Tokio Swasthya Kavach Family Health offers, multiple sums assured options such as Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs or Rs.5 lakhs which can be chosen as per requirement.
• One can enjoy various unique add – on covers such as the Critical Illness Extension under the Wider Plan of the IFFCO Tokio Swasthya Kavach Family Health insurance policy.
• Policy seekers up to 60 years of age or less do not need to undergo any medical check-up when buying IFFCO Tokio Swasthya Kavach Family Health insurance policy.
• IFFCO Tokio Swasthya Kavach Family Health insurance offers coverage for the room rent which is up to 1.0% of basic sum insured and up to 2.0% in case of ICU/ITU
• Policyholders can avail the benefit of receiving a daily allowance of up to ₹150 for the duration of his/ her hospitalization.
• IFFCO Tokio Swasthya Kavach Family Health policy cover the medical expenses incurred during a period of 30 days pre-hospitalisation and 30 days post hospitalization.
• In the case of domiciliary hospitalisation that is for any treatment done at home instead of Hospitalization with apt reasons included in the IFFCO Tokio Swasthya Kavach Family Health insurance policy the expenses shall be reimbursed for 3 days which is subject to a maximum limit of 20% of basic sum insured.
• The policyholder can enjoy the cashless claim benefit at the network hospitals of the IFFCO Tokio Swasthya Kavach Family Health insurance.
• IFFCO Tokio Swasthya Kavach Family Health insurance cover the Cost of medicines, blood, anaesthesia, oxygen, diagnostic and pathological tests, cost of chemotherapy, operation theatre charges, dialysis, pacemaker, artificial limbs etc. Which is required during the treatment of the policyholder.
• IFFCO Tokio Swasthya Kavach Family Health insurance offers the portability facility under the Wider Plan option; this is preferred by the person desiring to switch in from covers under other Insurer’s Policies.

Exclusions - IFFCO Tokio Swasthya Kavach Family Health Insurance Policy

• Any genetic disorders stem cell implantation and surgery is not covered under IFFCO Tokio Swasthya Kavach Family Health Insurance Policy
• Expenses that occur on any treatment like naturopathy, experimental or alternative medicine, acupressure, and acupuncture, magnetic and similar therapies are excluded from the IFFCO Tokio Swasthya Kavach Family Health Insurance Policy

IFFCO Tokio Health Protector Plus Policy coverage

IFFCO Tokio Health Protector Plus Policy covers the hospitalisation expenses of the individual and family against the storm of high medical expenses. IFFCO Tokio Health Protector Plus Policy is designed in a flexible manner that one can choose the desired cover as per their requirement.

Benefits and Features of IFFCO Tokio Health Protector Plus Policy

• IFFCO Tokio Health Protector Plus Policy coverage offer Daily Cash Allowance amount equivalent to 0.10% of the Sum Insured for miscellaneous expenses for the duration of Hospitalization to the policyholder.
• Various expenses that occur during hospitalization including Anaesthesia, Blood, Operation Theatre, Oxygen, Surgical Appliances, Medicines, and Diagnostic Materials are covered under IFFCO Tokio Health Protector Plus Policy coverage.
• The expense of X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and similar expenses are also covered.
• If organ transplantation is required for the treatment of the policyholder then the Cost of transplantation of Organs is covered under the IFFCO Tokio Health Protector Plus Policy coverage.
• IFFCO Tokio Health Protector Plus Policy offer coverage for the costs of Vitamins and Tonics provided in the medications apart from the treatment as certified by the attending Medical Practitioner, which ensure one can continue medication till required.
• Policyholder enjoys daily Cash Allowance under the IFFCO Tokio Health Protector Plus Policy coverage. This amount equivalent to 0.10% of the Sum Insured for miscellaneous expenses for the duration of Hospitalization of the policyholder.
• IFFCO Tokio Health Protector Plus Policy even covers the expenses apart from allopathic treatment which includes the Ayurvedic and/ or Homeopathy and/ or Unnani hospitalization expenses incurred at Government recognized hospitals.
• IFFCO Tokio Health Protector Plus Policy offers additional cover at a bearable increase in the policy premium amount i.e. Waiver of Deductible. It helps the policyholder to waive off the deductible if in case the policyholder lost or/ and changes his/ her employment.

Exclusions - IFFCO Tokio Health Protector Plus Policy coverage

• Any pre-existing condition is not covered if the IFFCO Tokio Health Protector Plus Policy is not continuous from the past 48 months.
• Any expense on the Hospitalization of the policyholder for an illness during first 30 (Thirty) days of commencement of the IFFCO Tokio Health Protector Plus Policy are excluded.

IFFCO Tokio Individual Medishield Policy

Every health insurance policy has a different area of coverage and has different features like, claim, sum assured and etc. One can choose as per his/ her requirements. IFFCO Tokio Individual Medishield Policy offers medical cover to the policyholder for illnesses with an option to extend the cover for critical illnesses which is not easily affordable to cure because of expensive treatments.

Benefits and Features of IFFCO Tokio Individual Medishield Policy

• The premium to be paid for the health insurance policy shall depend on the basic sum insured opted for and the age of the insured person. If you are young, your body is healthy cum less prone to disease and that cut down the premium amount.
• IFFCO Tokio Individual Medishield Policy offers cashless hospitalisation to the policyholder at more than 4600+ network hospitals
• If you are travelling in the country then a unique medical and personal assistance service is available at no extra cost for the policyholder under the IFFCO Tokio Individual Medishield insurance Policy.
• There is no medical check-up required up to the age 60 years in IFFCO Tokio Individual Medishield insurance Policy.
• Persons as young as 3 months and up to 60 years of age can avail benefit of this insurance. Children between the age of 3 months and 5 years can be covered only if both parents are covered under the health insurance concurrently.
• IFFCO Tokio Individual Medishield Policy covers the Pre-existing disease after three years of consecutive renewal of the insurance policy.
• Individual Medishield Policy also provides coverage for Ayurvedic and Homeopathic hospitalization treatments apart from the allopathic treatment. This includes the pre-hospitalisation and posts hospitalisation.
• By paying 30% extra on the basic premium amount of the
• IFFCO Tokio Individual Medishield Policy one can avail the benefit of critical illness extension.
• Cumulative bonus is an attractive feature. Under this, if two persons are to be covered under the IFFCO Tokio Individual Medishield Policy family package then a discount of 5% is offered on the premium amount while if more than two people are insured a discount of 10% is offered.
• The policyholder also gets Daily allowance which is 0.1% of Basic Sum Insured. But, this amount is also subject to a maximum of Rs.250 per day for the overall period of hospitalization.

Exclusions of IFFCO Tokio Individual Medishield insurance Policy

• Any cover for the expenses that arise due to some treatment of obesity, any hormone replacement therapy or any type of sex change procedure.
• Any expenses that arise on spectacles, contact lenses or hearing aids of the policyholder covered under IFFCO Tokio Individual Medishield insurance Policy.

IFFCO Tokio Individual Accidental Insurance Policy

No matter how planned we are, but, some things cannot be controlled. Life is very unpredictable. One moment it is going swiftly on the rack and just one breaker and its result in a massive accident. It even goes on the roads on which we travel. You may be following all traffic rules, all safety gears rules, but it is not necessary that this all guarantee your happy journey.

Accident change life of not only the one who is involved in an accident but also the life of their near and dear ones. IFFCO Tokio Individual Accidental Insurance Policy gives the policyholder a trust that even if the accidents on roads cannot be avoided, the expense, hustle and headache of what happens after an accident can be managed in a systematic manner.

IFFCO Tokio Individual Accidental Insurance Policy offers essential coverage which is very important during the accidents. Such as coverage against the broken bones, cuts, burns, ambulatory or medical services, hospitalization because of an accident, loss of eyesight or limbs, etc.

Features and Benefits of the IFFCO Tokio Individual Accidental Insurance Policy

• In case of death of the policyholder during any accident then the dependent or nominees as per the health insurance policy are paid a death benefit of the policy. Hence, one gets a cover for his/ her loved ones against the financial insecurities
• If the insurance policyholder is rendered completely disabled in a permanent way and even after all medical treatment he/ she cannot be healed then there is a cover for payouts in such situation. The best part is that even if the permanent disability was emerging as minor symptoms at the time of the accident but take shape as a permanent disability within a year of the accident then also, insured can avail the benefits of the insurance policy. This policy holder receives 100% of the capital sum insured under the policy.
• In case of permanent partial disability, from which after all the medical treatment he/ she cannot be healed, the policyholder will also get the benefit of payout as per the respective insurance policy.
• In case of the untimely death of the IFFCO Tokio Individual Accidental Insurance policyholder in an accident, the nominees or the dependent will get a 100% of the capital sum insured as coverage for expenses.
• The IFFCO Tokio Individual Accidental Insurance Policy even provide the benefit of money up to a specified limit against the loss of employment of the policyholder which occur as a result of an accident.
• The IFFCO Tokio Individual Accidental Insurance Policy offers education benefits to the dependent children of the policyholder. Under this If the policyholder suffers from the permanent total disability, loss of eyes or limbs, or untimely death due to an accident, then the cost of education for their dependent children will also be covered under the policy for up to a pre-specified limit.
• The IFFCO Tokio Individual Accidental Insurance Policy also compensate for the damage or loss of any clothing that occurs during the accident.

Exclusions of the IFFCO Tokio Individual Accidental Insurance Policy

• Any permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, or death of the policyholder that occur due to any type of self-harm intention or intentional negligence is not covered under the IFFCO Tokio Individual Accidental Insurance Policy.
• Any injury, harm or loss that is caused to the policyholder when he/she was under the influence of some harmful drugs, alcohol or any other un - prescribed legal medicine is also not covered under the IFFCO Tokio Individual Accidental Insurance Policy.
• Under the IFFCO Tokio Individual Accidental Insurance Policy Injuries that are caused due to any type of sexually transmitted diseases such as IDS, HIV or etc is also not offered any cover.

IFFCO Tokio Critical Illness Insurance Policy

We all are rushing fast in order to maintain the quality of success in our life. We think that if we will not do what others are doing in order to match their pay scale, their status or their power, we will be left behind as failure. In this fear and competition, we tend to ignore the thing that matters the most, our health.

There are many critical illnesses, from which if a body is diagnosed then it not only destroy his/ her physical health but also economical and mental health, Critical illness strikes and everything seems to be an end in a policyholder’s life. Some critical illness is hereditary and some are chronically, The critical illness affects life and leaves a debilitating effect on the life of policyholders.

The IFFCO Tokio Critical Illness Insurance Policy offers cover for the following critical illness-

• Total Blindness
• Stroke
• Primary Pulmonary Arterial Hypertension
• Kidney failure
• Heart Attack (Myocardial Infarction)
• Heart Valve Surgery
• Major Organ Transplantation
• Multiple Sclerosis
• Cancer
• Coronary Artery (Bypass) Surgery
• Aorta graft surgery
• Paralysis
• Coma

Critical illness affect the life of a policyholder in many ways such as directly or indirectly affecting the career of the policyholder, affecting the education status of the dependent people on the policyholder, loss of income in the family and etc. It can be managed easily with an IFFCO Tokio Critical Illness Insurance Policy.

Features and benefits of the IFFCO Tokio Critical Illness Insurance Policy

• The policyholder can enjoy the benefit of cashless hospitalisation at the network hospitals that are covered under the IFFCO Tokio Health Insurance.
• Many people have a family history of some critical illness. And if critical illnesses are hereditary there are chances that it can be easily passed on from generation to generation. Hence one can decide better with a good vision that which critical plan he/ she should take.
• The IFFCO Tokio Critical Illness Insurance Policy offers lump-sum benefit to the policyholder.
• The policyholder can enjoy the benefit of tax exemption of the IFFCO Tokio Critical Illness Insurance Policy under section 80 D of Income tax. The maximum tax-deductible amount is capped at Rs. 25,000 if the policyholder is below the age of 60 and it goes up to Rs. 30,000 if the policyholder is a senior citizen. If the parents of the policyholder are senior citizens and are dependent on him/ her, then a deduction of Rs. 55,000 is allowed for the policyholder‘s insurance plan.

Who Can Avail the IFFCO Tokio Critical Care Insurance Policy?

• If you are an employer covering your employees including dependents of the employees then it is very good.
• If it is a pre-identified segment/group where the premium is paid by the State/Central Government.
• If you are a member of a registered service club then you can avail the benefit under the IFFCO Tokio Critical Illness Insurance Policy.
• If you are a Holder of credit cards or other financial cards then you can avail the IFFCO Tokio Critical Illness Insurance Policy.
• If you are a holder of a deposit or certificate of Banks/NBFCs.
• If you are a shareholder of any public limited company or cooperative society
• If you are a student or a teacher at an educational institution.
• If you are a member of any other group having common identification or interest.