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IFFCO Tokio Health Insurance was incorporated on 4th December 2000. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and the Tokio Marine and Nichido Fire Group (which is also the largest listed insurance group in Japan). Apart from Health insurance, IFFCO Tokio General Insurance offers products like Motor Insurance, Life Insurance and etc. With a great boost in growth in year 2001-2011, IFFCO Tokio General Insurance is the leader of health insurance market.
IFFCO Tokio Insurance Services Ltd. is the only insurance company in India that has a fully - owned subsidiary (Distributed among clients in and over 350 towns). IFFCO Tokio Health Insurance offer a very broad coverage spectrum which can cover you and your loved ones like spouse and dependent parents and children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent on you and etc as per insurance policy terms and conditions.
|Waiting Period||3 years|
How many times did you cancel your outing with friends just because you had to go on a walk or go to the gym? How much time did you check the number of green vegetables in your everyday meal? The answer that you will get is - rarely (which is by most of us), sometimes (by few of us), regularly (only 1 or 2). We all are so busy in our life that whenever it is about compromising something for our health we find it so hard, but when it’s about sacrificing good health routine for some fun, we hardly bother.
A healthy body is a house of Healthy brain. But, do you think a body feeding just on junk can feed the healthy brain? No, it can only feed the brain with medicines and medical treatment. First we are careless for our health and secondly, we are careless for health protection and safety cover. Have you ever thought if the doctor will prescribe you bed rest for a month, then who will feed and take care of you and your family?
How your treatment proceeds will if you do not have anything in your savings and if something happens to you then who will feed your family in case if you are the bread earner of the family. This all seems to be a harsh imagination but, it is practical to be ready from your end for any such harsh conditions. Nowadays there are various insurance like life insurance, home insurance, travel insurance, motor insurance and for assistance and taking care of policyholder during hospitalisation and other medical treatment, there is Health insurance.
With the emerging time, Health insurance is emerging as a very important part of modern lifestyle. And among all health insurances from which the market is flooded, one of the most remarkable health insurance is the IFFCO Tokio Health Insurance.
IFFCO Tokio Health Insurance seems to be the best health insurance company among all other competitors. The company is offering a wide range of healthcare products to deal with different needs. All plans comes out with unique features and that too at affordable prices.
IFFCO Tokio Health insurance offer very wide spectrum of coverage and it can be broadly divided into following types from which you can choose a cover as per your requirement
Family is an integral part of our life. No matter what we plan for our today and tomorrow, we keep our family in mind. Each member of the family is equally important to us. There are many factors that enhance the chances of health problems such as changing lifestyle habits, food contamination, sedentary living, increasing pollution level, and much more.
All these factors increase the chances of health issues and various diseases make a home in the body of the person. Above all this, increasing the cost of hospital treatment makes the situation worse. Then, what to do? Health insurance becomes a must buy for the safety and a systematic expense flow during hospitalisation of your family members.
But, during burying a health Insurance plan, it is very difficult to decide what safety is required by who as everyone has a different requirement. IFFCO Tokio Family Health Protector Policy helps the customer to save the whole family with the best medical treatment assistance along with the benefit such as affordable premium amount.
|Entry Age||18 years to 65 years.|
|Pre/Post-hospitalisation expenses||Up to 45 days and 60 days|
|Day care procedures||121 days|
|Sum Assured||Rs. 1, 50,000 to 5,00,000|
|No-claim bonus||5% to 50%|
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.
|Policy tenure||1 year|
|Discounts||5% annual increments|
|Sum insured||Rs.1, 50,000 to Rs. 5,00,000|
|Cash allowance||0.20% of sum insured|
|Pre/Post-hospitalisation expenses||Up to 45 days/60 days respectively|
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.
|Entry age||18 years to 60 years; For children 91 days to 23 years|
|Renewability age||80 years|
|Medical screening||Required for people over age 45 years|
|Medical screening||Required for persons over 45 years|
|Cashless claim facilities||Yes|
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.
|Entry Age||18 to 65 years|
|Policy term||1 year|
|Medical Screening||For individuals of the age group of 46 years and above|
|Sum Assured||Ranges from Rs.2, 00,000 to Rs. 25, 00,000|
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.
|Entry age||3 months to 80 years,|
|Day care procedures||121 days|
|No-claim bonus||5 to 50 %|
|Medical screening||Required for persons above 45 years.|
|Domiciliary hospitalisation||Up to 20% of sum assured|
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.
|Entry age||5 years to 70 years|
|Permanent total and absolute disablement||100% of capital sum assured|
|Death Benefit||100% of sum assured|
|Ambulance Charges||Rs.1000 per insured person|
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-
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.
|Waiting period||120 days|
|Plan type||Group plan|
It is very easy and simple to buy Future Generali Health Insurance online in following few steps-
Individual Health Protector (IHP), Family Health Protector (FHP), Individual Medishield (IMI), Swasthya Kavach Policy (SKP).
Note: The IFFCO Tokio Health Insurance Policy must be renewed within the expiry date or if missed then it should be renewed within the maximum of 30 days of the expiry date. If policyholder misses doing the same then the continuity benefits such as pre-existing disease exclusion, cumulative bonus earned, 30 days waiting period and first-year disease exclusions, will not be granted to him/ her. Any IFFCO Tokio Health Insurance Policy which is purchased after 30 days will be treated as a fresh cover, and we will not be liable to pay any claims occurring within the first 30 days of the renewal date of the Mediclaim for the family.
Basically, there are two ways by which a policyholder can claim IFFCO Tokio Health Insurance Policy-
IFFCO Tokio Health Insurance is one of the best general insurance companies in India and ruling the insurance market for over 15 years. There are millions of loyal customers of IFFCO Tokio Health Insurance who enjoy the reputed and the best quality experience with their insurer. While buying any item online, there is a dilemma of genuinely good product and consumer find it hard to choose where to trust and where not. IFFCO Tokio Health Insurance offers transparency to all online services and assists the customer.
Along with the online assistance, IFFCO Tokio Health Insurance is also accessible by offline channels like agents, brokers and branches. IFFCO Tokio Health Insurance has a smooth and prompt claim settlement process where customers get assistance by a dedicated customer care team 24 * 7. Policyholder enjoys benefit from cashless claim to reimbursement claim at IFFCO Tokio Health Insurance. It is one of the most customer tailored health insurance policies offered to the insured.
A policyholder can claim the IFFCO Tokio Health Insurance policy as many times as he/ she wants. However, the policyholder will not be covered for any costs of medical expenses if the basic sum insured has been exhausted.
Domiciliary hospitalization refers to the medical treatment that an individual receives at home, which should have otherwise been treated in a hospital but was not done due to some specific, covered reasons. Yes! IFFCO Tokio Health Insurance Policy offers the domiciliary hospitalization benefit.
Yes! As per the guidelines by IRDA, customers and policyholders you can transfer the IFFCO Tokio Health Insurance Policy plans from one insurance company to another without losing the renewal benefits.
The premium for your IFFCO Tokio Health Insurance plan depends on a variety of factors including: -
Generally, health insurance policies do not cover maternity/pregnancy. However, the group health insurance plans offered by employers do cover maternity and/ or conditions.
Add-on covers are the additional covers that come alongside a standard health insurance policy and can be purchased by the buyer on payment of extra premium. The add-on covers enhance the coverage of the basic insurance plan.
You can pay your IFFCO Tokio Health insurance premium by -
Following documents are required to buy Health Insurance Plan-
The benefit of the IFFCO Tokio Health Insurance network hospitals is the cashless treatment of the policyholder.
Every new policy for IFFCO Tokio Health Insurance Policy comes with a free-look period of 15 days. During this period of 15 days, the policyholder is free to cancel the policy for any issues that he/ she may have with the terms and conditions.
IFFCO Tokio General Insurance CompanyCorporate Office, IFFCO Tower, Plot No. 3, Sector 29, Gurgaon -122001, Haryana(India)
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Last updated on 12-11-2019