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IFFCO TOKIO MOS-Bite Protector Policy
IFFCO TOKIO MOS-Bite Protector Policy provides a lump sum amount on the diagnosis of the vector-borne diseases covered by the policy. The M…
- Lump sum Sum Insured up to 1 Lakh
- Dengue coverage
- Malaria coverage
IFFCO Tokio Health Insurance
IFFCO Tokio Health Insurance
IFFCO Tokio General Insurance Company, established in 2000 as a joint venture between Indian Farmers Fertiliser ...Read More
8,000+
Cashless hospitals
95.82%
Claim settlement
1 Crore
Max sum insured
2
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,697 reviews
🏥 8,000+ hospitals
📊 1.85x solvency ratio
✅ 95.82% claim settlement
What you get with IFFCO Tokio Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
8,000+ cashless hospitals
Direct billing at network hospitals across 63 presence — no out-of-pocket payment at admission.
95.82% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.85x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
2 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About IFFCO Tokio Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
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 that set them apart:
- 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 Health Insurance?
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
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.
Choose IFFCO Tokio Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
IFFCO Tokio Health Insurance
This video explains IFFCO Tokio Health Insurance in detail.
All 2 IFFCO Tokio Health Insurance plans
Every plan currently being sold by IFFCO Tokio Health Insurance, shown side-by-side so you can shortlist quickly.
Family Health Protector Policy
Family Health Protector by IFFCO Tokio is a comprehensive policy that covers your family from medical expenses in times of need at an affor…
- Income Tax benefits
- Hassle-free claims
- 4000+ network hospitals
Quick comparison
Side-by-side across the 2 most-bought IFFCO Tokio Health Insurance plans on PolicyX.
| Feature | IFFCO TOKIO MOS-Bite Protector Policy | Family Health Protector Policy |
|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 5k, 15k, 25k, 50k, 1 L | 1.5 L, 2 L, 3 L, 5 L, 10 L, 20 … |
| Entry age | 18 to 65 Years | 18 to 65 Years |
| Top benefits | Lump sum Sum Insured up to 1 Lakh · Dengue coverage | Income Tax benefits · Hassle-free claims |
What's covered — and what's not
The standard inclusions and exclusions across IFFCO Tokio Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- IFFCO Tokio Health Insurance covers pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 180 days.
- IFFCO Tokio Health Insurance plans include coverage for AYUSH treatments, such as Ayurveda, Unani, Siddha, and Homeopathy.
- Covers expenses incurred during hospitalization, including room rent, consultation fees, and surgical costs.
- Covers medical procedures and surgeries that require less than 24 hours of hospitalization due to technological advancements, such as cataract surgery.
- Covers the cost of prescribed medicines taken during your treatment.
✗ Exclusions
- Injuries or hospitalization resulting from self-harm are not covered.
- Cosmetic surgeries or treatments are excluded from coverage.
- Hospitalization or accidents resulting from participation in adventure sports are not covered.
- Treatments for obesity and weight management, including bariatric surgeries, are generally not covered.
- Hospitalization or injuries sustained due to involvement in unlawful activities are not covered.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In IFFCO Tokio Health Insurance Plans?
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.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
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.
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.
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.
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.
Frequently asked questions
The 16 most-asked questions about IFFCO Tokio Health Insurance, answered.
Yes, a mobile application ’IFFCO Tokio - Customer’ is available for 24/7 assistance regarding queries against IFFCO Tokio policies.
Yes, you can.
No, they aren’t covered by the company.
The policyholder is liable to get tax benefits under Section 80D of the Income Tax Act, 1961.
During the policy time, you can make as many claims as you like as long as your sum insured is not exhausted.
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.
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.
Yes. In that case, both health insurance plans will split the claim equally (up to the sum assured) and cover your medical expenses.
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.
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.
Yes! AYUSH treatments including Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered under the IFFCO TOKIO health plans.
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.
You must inform IFFCO TOKIO General Insurance within 24 hours of hospitalisation in case of emergency hospitalisation.
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.
The claim settlement ratio is IFFCO Tokio is 90.65%.
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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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