Sehwag PX
IFFCO Tokio Health Insurance
  • 4500+ Network Hospitals
  • Cover 20,000+ Agents and Branches
  • Claim Settlement Ratio 92*%
  • 99.93% of complaint resolution
  • Tax Benefit Under Section 80D

#Virukipolicy | T&C*

Get Quotes From Top Insurers

1

2

Name
Cover For
D.O.B (eldest member)

1

2

Please Enter Other Details
Phone No.
Email
City

By proceeding you are accepting our T&C and privacy policy

IFFCO Tokio Health insurance

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.

Highlights of IFFCO Tokio Health Insurance

Claims Ratio82.89%
RenewabilityLifetime
Network Hospitals4200+
Waiting Period3 years
Grievances Solved98.47%

Why Go For IFFCO Tokio Health Insurance?

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.

Types of Future Generali Health Insurance

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

  • IFFCO Tokio Family Health Protector Policy
  • IFFCO Tokio Individual Health Protector Policy
  • IFFCO Tokio Swasthya Kavach Family Health Insurance Policy
  • IFFCO Tokio Health Protector Plus Policy coverage
  • IFFCO Tokio Individual Medishield Policy
  • IFFCO Tokio Individual Accidental Insurance Policy
  • IFFCO Tokio Critical Illness Insurance Policy

IFFCO Tokio Family Health Protector Policy

IFFCO Tokio Family Health Protector Policy

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.

Benefits and Features of IFFCO Tokio Family Health Protector Policy

  • Under the IFFCO Tokio Family, Health Protector Policy pre-hospitalisation for 45 days and post hospitalisation charges for 60 days are cover.
  • IFFCO Tokio Family Health Protector Policy covers the hospitalisation expenses such as hospitalisation treatments, surgery, any organ transplantation and etc.
  • IFFCO Tokio Family Health Protector Policy offer cover for the spouse and dependent parent and children; brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation of the policyholder who is dependent or relatives living together.
  • IFFCO Tokio Family Health Protector Policy offers ambulance charges for Up to 1% of the amount insured up to max. Rs. 2500/-.
  • Many people still believe in treatments apart from allopathic medicines, IFFCO Tokio Family Health Protector Policy covers various types of expenses for treatment under traditional healing sciences which include Ayurvedic, Unnani, Homeopathy, and Sidha.
  • IFFCO Tokio family Health Protector Policy offer121 day’s day care cover in which the policyholder doesn’t require to be admitted to hospital for more than 24 hours.
  • IFFCO Tokio Family Health Protector Policy offer Cumulative bonus which is increased by 5% of basic sum insured at each renewal up to max 50% of the basic sum insured of the expiring policy
  • IFFCO Tokio Family Health Protector Policy offer Mediclaim Policy coverage in which benefits like Room Rent Expenses, Nursing Expenses, Doctor Expenses, Diagnostic Expenses, Room, Boarding and Nursing charges and etc are covered.
  • IFFCO Tokio Family Health Protector Policy also offers Critical Illness covering which the policyholder only need to pay 30% above the basic premium to avail double the sum insured for any of the named critical illness in his/her health insurance policy. Following critical illness are covered under the IFFCO Tokio Family Health Protector Policy critical illness cover -
    1. Open Chest CABG (Coronary artery bypass grafting)
    2. Multiple sclerosis with persisting symptoms
    3. Major Organ /Bone Marrow Transplant
    4. First Heart Attack - of specified severity
    5. Motor neurone disease with permanent symptoms
    6. Cancer of specified severity
    7. Permanent Paralysis of Limbs
    8. Open Heart Replacement or Repair of Heart Valves
    9. Kidney Failure Requiring Regular Dialysis
    10. Stroke Resulting in Permanent Symptoms
    11. Coma of specified severity
Entry Age18 years to 65 years.
Pre/Post-hospitalisation expensesUp to 45 days and 60 days
Day care procedures121 days
Sum AssuredRs. 1, 50,000 to 5,00,000
No-claim bonus5% to 50%

Exclusions of the IFFCO Tokio Family Health Protector Policy

  • Any harmful action like suicide attempt that causes harm to the policyholder directly or indirectly is not covered.
  • Any loss or injury that is caused due to any type of war, riots or terrorism is not covered under the IFFCO Tokio Family Health Protector Policy.

IFFCO Tokio Individual Health Protector Policy

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
Policy tenure1 year
Discounts5% annual increments
Sum insuredRs.1, 50,000 to Rs. 5,00,000
Cash allowance0.20% of sum insured
Pre/Post-hospitalisation expensesUp to 45 days/60 days respectively

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

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.
Entry age18 years to 60 years; For children 91 days to 23 years
Renewability age80 years
Medical screeningRequired for people over age 45 years
Medical screeningRequired for persons over 45 years
Cashless claim facilitiesYes

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 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.
Entry Age18 to 65 years
Policy term1 year
Medical ScreeningFor individuals of the age group of 46 years and above
Sum AssuredRanges from Rs.2, 00,000 to Rs. 25, 00,000
DiscountsAvailable

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

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.
Entry age3 months to 80 years,
Day care procedures121 days
No-claim bonus5 to 50 %
Medical screeningRequired for persons above 45 years.
Domiciliary hospitalisationUp to 20% of sum assured

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

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.
Entry age5 years to 70 years
Permanent total and absolute disablement100% of capital sum assured
Death Benefit100% of sum assured
Ambulance ChargesRs.1000 per insured person

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

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.
Waiting period120 days
Plan typeGroup plan
PortabilityYes
RenewalLifetime

Renewal of IFFCO Tokio Health Insurance

It is very easy and simple to buy Future Generali Health Insurance online in following few steps-

  • 01
    You have to Visit the official website of the IFFCO Tokio health insurance.
  • 02
    You will see a ‘Product’ button, click on the same.
  • 03
    You have to choose and enter your product out of four products mentioned in the menu

    Individual Health Protector (IHP), Family Health Protector (FHP), Individual Medishield (IMI), Swasthya Kavach Policy (SKP).

  • 04
    Then you have to fill your health insurance policy number, your first and last name.
  • 05
    Also, this is your golden chance to add on different cover to your insurance policy required. Hence you can look for some additional covers to improve your IFFCO Tokio health insurance coverage.
  • 06
    Fill in the necessary details, carefully. You will get to know the premium for renewal.
  • 07
    Pay the required amount of premium by credit/ Debit card or net banking, as per your convenience and renew your IFFCO Tokio health insurance policy.

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.

Claim Process of IFFCO Tokio Health Insurance

Basically, there are two ways by which a policyholder can claim IFFCO Tokio Health Insurance Policy-

Cashless Claim

  • In this condition, the policyholder has to inform the insurance company for at least 3 days before admission.
  • This facility can be availed only at the network hospitals. For unplanned hospitalisation, the policyholder has to inform the insurance company upon the admission via their toll-free customer helpline number.
  • The policyholder has to report at the TPA desk of the hospital along with IFFCO Tokio Health Insurance Policy Health Card, a Photo ID card and the investigation reports and complete the pre-authorisation form at the hospital claim desk.
  • The letter will be sent to the claim management team for authorisation and they have authority to cross questioning the hospital for the same.
  • Approval for the cashless claim will be sent within a period of 24 hours of the receipt of the required documents.
  • In case the authorization is rejected by the team then the policyholder has to pay the amount and pay to initiate the treatment and file then file for reimbursement claim.
and

Reimbursement Claim

  • The policyholder can apply for reimbursement claim at the non - network hospital and if the cashless claim is rejected.
  • One has to complete the necessary information in the reimbursement form.
  • Then the required documents such as discharge summary, prescription etc will be sent along with the form.
  • An approved letter will be received from the claim management team if everything is a place.
  • A policyholder can request reimbursement within a period of 7 days of discharge.

IFFCO Tokio Health Insurance at a Glance

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.

Customer Reviews

Google Reviews

Star RatingStar RatingStar RatingStar RatingStar Rating 4.5/5

602 Google reviews

FAQ

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: -

  • Your age
  • Previous medical History
  • Existing Medical Conditions
  • Optional Critical Illness covers
  • Optional Additional benefits
  • Claim free years
  • Your financial history
  • Your occupation and residential area

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 -

  • Auto-deduction from your bank account
  • In the form of cash or cheque deposit
  • Online payment by credit card, debit card or by net banking

Following documents are required to buy Health Insurance Plan-

  • Any ID proof such as PAN card, Adhaar card, Passport, Voter ID etc.
  • Age proof and address proof such as a copy of driving licence, Voter ID card, birth certificate, school leaving certificate and etc.
  • Three passport size photos
  • Any medical document if specified and mandatory if you are above certain age and need to undergo some medical checkups before some policy is issued to you.

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.

Contact Address

IFFCO Tokio General Insurance Company

Corporate Office, IFFCO Tower, Plot No. 3, Sector 29, Gurgaon -122001, Haryana(India)
Toll free: 1800-103-5499
E-mail- websupport(at)iffcotokio(dot)co(dot)in
- / 5 ( Total Rating)

Last updated on 13-08-2019