IFFCO Tokio Health Insurance
IFFCO Tokio health insurance offers a comprehensive health insurance solutions to individuals and families across India. It has a wide presence in rur...Read More
Network hospitals
7000+
Incurred claim ratio
95.82%
Sum insured
Up to1 Crore
No. of Plans
2
Solvency Ratio
1.7
Pan India Presence
63+
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.
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
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 Family Health Protector Policy Entry Age - 18 to 65 Years
Sum Insured - Up to 30 LRs. 6,208
IFFCO TOKIO MOS-Bite Protector Policy Entry Age - 18 to 65 Years
Sum Insured - Up to 1 LRs. 44
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
Family Health Protector Policy
The Policy offers a protection cover for you and your family for any injury or disease-related contingencies like hospitalization, medical expenses, surgical expenses, organ transplantation, etc.
Why Do We Recommend This?
- Cancer of Specified Severity
- Kidney Failure Cover
- AYUSH hospitalization
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
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
Individual and Family Health Insurance
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
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IFFCO Tokio Health Insurance
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.
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
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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