IFFCO Tokio Health Insurance
  • Avail no claim bonus
  • 160+ day procedures covered
  • No medical test upto 60 years
IFFCO Tokio Health Insurance
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IFFCO TOKIO Health 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 health insurance products to its customers that cater to the different healthcare needs of its customers.

The plans offered by IFFCO TOKIO Health insurance shells out several benefits such as coverage for in-patient hospitalization, cashless facility, health check-ups, ambulance charges, pre & post-hospitalization expenses, and many more.

Awards and Recognitions

  • Asia's Top Most Influential Insurance Leaders Award - by Insurance Alerts, 2020.
  • Business leader of the Year Award by TechCircle Business Transformation Symposium & Awards 2020.
  • BFSI Digital Innovation Award 2019.
  • Digital Insurer of the year Award 2019.
  • Emerging Asia Business Award by ICC.

Continue reading to explore more about IFFCO TOKIO Mediclaim company:

Why Choose IFFCO TOKIO General Insurance?

To select your ideal health company it is important for you to first evaluate them on certain parameters such as market share, network hospitals, solvency ratio, and claim support (within 3 months). For your convenience, we have evaluated Iffco Health Insurance Company on the above-mentioned parameters.

  • Network Hospitals:
    Checking network hospitals is an essential factor when selecting an insurer as this will give you an idea of how easily you can avail of cashless facilities at the time of medical emergency/ hospitalization. IFFCO TOKIO has a huge network of 7500+ network hospitals across India, providing hassle-free and smooth cashless facilities where you don't have to pay a single penny at the hospital.
  • Solvency Ratio:
    A company's solvency ratio plays an important role in determining the ability of a company to meet its long-term obligations. This factor is a basic measure of how financially sound an insurance company is and also about its ability to pay claims. Solvency ratios are available in the Insurance Regulatory and Development Authority of India (IRDAI) Annual reports. IRDAI prescribed various standards such as insurers are required to maintain a solvency ratio of 1.50. As per IDRAI Annual Report 2020-21, the solvency ratio of IFFCO TOKIO is 1.72
  • Claim Support (Claims Settled within 3 months):
    Claim support determines the claim settling ability of an insurance company, and before buying a health plan, one should always analyse this factor. As per IRDAI Annual Report 2020-21, IFFCO TOKIO has settled 82.57% of claims within 3 months.
  • Annual Premium:
    As per IRDAI Annual Report 2019-20, the annual gross premium was 7,961.04 crores and, in 2020-21, it has increased to 8,410.88 Crores.
  • Renewability:
    IFFCO TOKIO Health Insurance offers a lifetime renewability option. With this feature, the policyholder ensures that the policy can be renewed lifelong without any age limit or other restrictions.
Future Generali Insurance Key Features

Types Of IFFCO TOKIO Health Insurance Plans

With changing and evolving healthcare needs of an individual, IFFCO TOKIO Health Insurance Plans ensures to look after each & every healthcare need of your and your family. The plans offered cater to the different needs of the customers. Continue reading to explore more about the plans.

Individual & Family Health Insurance Plans

Iffco Tokio Individual Health Protector Policy

The policy covers healthcare expenses like hospitalization, treatment, medicines, etc. on an individual as well as a family floater basis. SI goes up to 20 Lakhs.

Unique Features

  • No medical check-ups up to 60 years
  • Coverage against critical illness
  • Vaccination and check-ups covered

Iffco Tokio Family Health Protector Policy

The plan provides coverage to the entire family including spouse, dependent parent and children, or any other dependent or relatives living together.

Unique Features

  • Daily Allowance up to Rs. 1K per day
  • Emergency Assistance Services
  • 160+ Day Care Surgeries covered

Iffco Tokio Swasthya Kavach Policy

A complete family floater health policy that looks after the health needs of you and your family including the proposer, spouse and 3 dependents.

Unique Features

  • Coverage for Organ transplantation
  • Daily Allowance Cover up to Rs. 250
  • Reinstatement Benefit available

Iffco Tokio Individual Medishield Policy

Offers medical coverage to the policyholders and their families for the expenses of hospitalization, surgeries, organ transportation etc with coverage of up to 5 Lakhs.

Unique Features

  • Lifelong renewal
  • Nursing Expenses covered
  • Ambulance charges up to Rs 1,500

Iffco Tokio Arogya Sanjeevani Policy

A standard health policy that offers coverage to individuals and their families against medical expenses. The policy offers coverage of up to INR 5 Lakhs.

Unique Features

  • Cumulative bonus for claim free year
  • 5% co-payment on all claims
  • Cataract treatment up to INR 40K

IFFCO TOKIO Health Specialized Plans

Iffco Tokio Individual Personal Accident Policy

The plan offers cover in case of the death due to an accident and covers permanent total/partial disability, and temporary total disability.

Unique Features

  • Children’s education costs covered
  • Increased SI at every renewal
  • Coverage for ambulance cost

Iffco Tokio Health Protector Plus Policy

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

Unique Features

  • Top-up or Super Top-up options
  • Waiver of deductible cover
  • Emergency assistance services

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.

Unique Features

  • Vitamins and tonics covered
  • Additional Daily Allowance
  • Coverage against cataract

Iffco Tokio Critical Illness Insurance Policy

Critical Illness Policy assists the policyholder by offering financial support to cope with the expenses that occurred during the treatment of the 25 listed critical illnesses.

Unique Features

  • No medical tests required
  • Lifelong renewal available
  • Wide coverage of up to INR 1 Crore

Designed to provide comprehensive protection against listed seven vector-borne diseases including Malaria, Dengue, Kala-azar, and many more.

Unique Features

  • Lumpsum payout available
  • SI of upto 1 lakh
  • Cover entire family

IFFCO TOKIO Hospital Daily Cash Policy

The plan offers a fixed amount to the beneficiary for each continuous and completed period of 24 hours of hospitalization.

Unique Features

  • Modern Treatment Methods
  • Day care surgeries
  • Daily cash for up to INR 5,000

IFFCO TOKIO Health Corona Specific Plan

IFFCO TOKIO Corona Kavach Policy

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

Unique Features

  • Cover entire family
  • Telemedicine charges
  • High SI of upto 5 lacs

IFFCO TOKIO 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.

Unique Features

  • Lumpsum payout to beneficiary
  • Coverage up to 2.5 Lacs
  • Avail Tax Benefits

IFFCO Tokio Health Insurance Network Hospital List

What Is Not Covered By IFFCO TOKIO Health Insurance?

There are some medical conditions and health care expenses that are not covered under this policy. Here are the major exclusions:

  • Pre-existed diseases/illnesses/medical conditions are covered only after the waiting period of 3-4 years.
  • Any type of injuries or expenses related to it that involves self-infliction or self-harm or suicide attempt are not covered under this policy.
  • The procedures or treatment to enhance the facial appearance is not covered under this plan. If in case of injury or accident when plastic surgery is required, after approval from the hospital, the expenses are covered.
  • Pregnancy-related conditions such as childbirth and lawful termination are pre-existing diseases. Before the waiting period, they are required to be covered.
  • The situation of accidents/injuries due to war and nuclear explosions.
  • Congenital injuries are also not covered in this policy.

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. You can buy it from the official website or the trusted advisor PolicyX.com. Let's check them out.

Buy from the Company

  • Visit the top of this page and fill out 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

Buy from PolicyX

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

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.

Cashless Claim Process

  • Inform the TPA about the hospitalization. For planned hospitalization, inform at least 3 days before admission.
  • 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.).
  • 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 receiving the required documents.

Reimbursement Claim Process

  • Get hospitalized and pay the bills. Once done, inform the company within 7 days of discharge
  • Download the claim form from 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 for the IFFCO TOKIO Health Insurance renewal process:

  • 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?

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

websupport@iffcotokio.co.in

1800-103-5499

Health Insurance Articles

IFFCO Tokio Health Insurance: Frequently Asked Questions

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.

5. How many times can I make a 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 homoeopathy 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.

Iffco Tokio Health Insurance Reviews

Read what our customers have to say about Iffco Tokio health insurance company

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Priya Sharma

Hyderabad

June 9, 2022

I will rate this company good because I purchased a health policy that has good coverage and less premium. I pay my premium online and I am convenient with the payment options.

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Gagandeep

Mumbai

June 6, 2022

I moved to IFFCO Tokio and found great plans with some better benefits as compared to others. I purchased it and gave my family full safety.

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Tania

Delhi

June 6, 2022

I chose to buy the IFFCO Tokio health insurance policy because the premium is affordable and also because I like the coverage benefits.

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Prisha

Bengaluru

June 6, 2022

I have bought health insurance through the website of IFFCO Tokio. It gave me full support and when I contacted the customer care of IFFCO Tokio for clearing some of my queries they provided me...

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Vasudha Rane

Indore

May 24, 2022

very nice company, with a wide range of products available. I am happy that I decided to buy the health plan from IIFCO Tokio health insurance company.

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Ravinder Dewan

Delhi

November 22, 2021

Good Customer service, and very very good plans at affordable price. very quick claim settlement process.

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Katrina

Delhi

October 19, 2021

its reputation preceded itslef! good job on the products....i have plenty options to choose from and it should help

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Samay Tij

Delhi

October 18, 2021

the customer support is great...i needed money to cover my hospital fees and the company has been prompt in their response

View All Future Generali Insurance Reviews