IFFCO Tokio Health Insurance
IFFCO Tokio General Insurance Company was established in 2000 as a joint venture between Indian Farmers Fertilizer Cooperative Limited (IFFCO) and Tokio Marine Group, a Japan-based company. IFFCO Tokio offers a wide range of products to protect individuals from the financial burden of medical treatments.
About IFFCO Tokio Health Insurance
IFFCO Tokio offers a range of quality products designed to meet diverse healthcare needs. The plans provide various benefits, including coverage for in-patient hospitalization, cashless facilities, health check-ups, ambulance charges, and pre and post-hospitalization expenses.
Key Highlights
- 8000+ Network Hospitals
- Gross Premium 2023-24: 10,021
- Versatile Health Insurance
- Extensive network in Tier 2 and 3 cities
- 24X7 Customer Support
Key Features
- Rural-centric initiatives launched by IFFCO Tokio
- Wellness features integrated into IFFCO Tokio health plans
- Emergency Ambulance services
- Wide range of sum insured
- Over 20 years of market presence
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’
Why Choose IFFCO Tokio?
- Versatile and affordable health insurance plans for every need
- 24/7 customer support for claims and queries
- Over 8000 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 complex. Understanding key factors before making a decision is crucial. Here are some factors to consider when buying a health insurance policy:
- Individual or Family Floater Plan: Determine if you need an individual or family floater plan. Family floater plans are often more cost-effective for covering multiple family members.
- Cover Amount: With rising medical inflation, a health insurance plan with adequate coverage is essential. Choose a policy that offers sufficient sum insured to cover potential medical expenses.
- Co-Payment Clause: Understand the co-payment clause, which requires you to bear a certain percentage of the claim amount. Check the co-payment percentage before purchasing.
- Hospital Network: Review the list of network hospitals to ensure access to preferred medical facilities.
- Waiting Period: Be aware of the waiting periods, including initial waiting periods and specific waiting periods for certain illnesses or pre-existing conditions.
- Lifetime Renewal: Opt for policies that offer lifetime renewal to ensure continuous coverage, especially in old age.
- Compare the Premiums: Compare premiums from multiple policies to find the best coverage at a competitive price.
What is Covered by IFFCO Tokio Health Insurance?
Pre and Post Hospitalization Expenses
IFFCO Tokio Health Insurance covers pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 180 days.
AYUSH Treatments
IFFCO Tokio Health Insurance plans include coverage for AYUSH treatments, such as Ayurveda, Unani, Siddha, and Homeopathy.
Hospitalization Expenses
Covers expenses incurred during hospitalization, including room rent, consultation fees, and surgical costs.
Day Care Treatments
Covers medical procedures and surgeries that require less than 24 hours of hospitalization due to technological advancements, such as cataract surgery.
Prescription Medicines
Covers the cost of prescribed medicines taken during your treatment.
What is Not Covered by IFFCO Tokio Health Insurance?
Self-Inflicted Injuries
Injuries or hospitalization resulting from self-harm are not covered.
Cosmetic Procedures
Cosmetic surgeries or treatments are excluded from coverage.
Adventure Sports
Hospitalization or accidents resulting from participation in adventure sports are not covered.
Obesity or Weight Control Treatments
Treatments for obesity and weight management, including bariatric surgeries, are generally not covered.
Involvement in Illegal Activities
Hospitalization or injuries sustained due to involvement in unlawful activities are not covered.
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 have specific waiting periods for pre-existing diseases (PEDs) such as hypertension, diabetes, or other conditions.
Survival Period
Similar to waiting periods, IFFCO Tokio health insurance plans with critical illness coverage include a survival period. Policyholders diagnosed with a listed critical illness must survive this period to receive coverage benefits.
IFFCO Tokio Health Insurance Plans Buying Process
If you are looking to purchase IFFCO Tokio Health Insurance online, follow these simple steps:
- 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 IFFCO Tokio 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 Buy Health Insurance Online?
Purchasing a health insurance policy online, either through PolicyX or directly from the company, offers several benefits:
- Easy to Compare: Online platforms allow easy comparison of various IFFCO Tokio Health plans, helping you choose the right one by comparing premiums and features.
- Buying Insurance within 5 minutes: Purchase your policy quickly, often within 5 minutes, without any hassle.
- 24/7 Customer Service: Access 24/7 customer service to get your queries resolved at any time.
- Instant Quote: Obtain instant quotes online, allowing you to compare multiple options and select the most suitable plan.
Documents Required For IFFCO Tokio Health Policy Claim Settlement
Submit the following documents when filing for IFFCO Tokio 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 (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
IFFCO Tokio Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your IFFCO Tokio 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: Upon submission, you will receive a claim intimation number for future reference.
IFFCO Tokio Health Insurance Renewal Process
Follow these 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.
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