IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance
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IFFCO Tokoi General Insurance

IFFCO Tokio General Insurance company was established on 4th December 2000. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates (the Tokio Marine and Nichido Fire Group). IFFCO Tokio Health Insurance offers a very broad coverage spectrum to provide healthcare indemnities for self, spouse, dependent parent(s), children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other dependants of the policyholder in the family. Also, a plan named ‘MOS-BITE Protector Policy’ was launched by IFFCO Tokio at the end of last year that offers protection against vector-borne diseases.

Highlights of IFFCO Tokio Health Insurance

Incurred Claim Ratio102%
RenewabilityLifetime
Network Hospitals5000+
Waiting Period3 years
Grievances Solved98.47%

Table Data updated on 26-06-2020

iffco tokio health insurance

Types of IFFCO Tokio Health Insurance

1. IFFCO Tokio Family Health Protector Policy

IFFCO Tokio Family Health Protector Policy helps the customer to provide security to the whole family with the best medical treatment assistance along with numerous benefits at affordable premium rates.

Features & Benefits

  • The policy covers the hospitalisation expenses for room rent, treatment, surgery, nursing, organ transplantation, etc.
  • It offers pre-hospitalisation for 45 days and post-hospitalisation charges for 60 days.
  • The plan offers ambulance charges for up to 1% of the sum insured (a maximum of Rs. 2500).
  • Provision of 121 day care procedures in which the admission of the policyholder in the hospital is not necessary for more than 24 hours.
  • Critical Illness is also covered in the plan in which the policyholder needs to pay 30% above the basic premium to avail double the sum insured for coverage against the critical illness for his/her family.

Additional Details:

Entry Age18 years to 65 years
Sum InsuredRs. 1.5 lakhs to 5 lakhs
No Claim Bonus5% to 50%

Table Data updated on 26-06-2020

2. IFFCO Tokio Individual Health Protector Policy

IFFCO Tokio Individual Health Protector Policy offers coverage for healthcare expenses like hospitalisation, treatment, medicines, etc. on an individual as well as family floater basis.

Features & Benefits

  • All the medical costs pertaining to anaesthesia, diagnostic tests, oxygen, blood, prosthetic limbs, devices, pathological tests, chemotherapy, or dialysis, etc. are also covered under the policy.
  • The pre-hospitalisation charges for 45 days along with post-hospitalisation charges for 60 days are covered under the policy.
  • Vaccination and health check-up charges are included in the policy.
  • For each claim-free year, 5% of the basic sum insured at each renewal will be added as a cumulative bonus in the policy. But this bonus can be added only up to a maximum of 50% of the basic sum insured of the expiring policy.
  • The plan provides coverage for emergency assistance services in addition to critical illness cover as well.

Additional Details:

Policy Tenure1 year
Sum InsuredRs.1.5 lakhs to Rs. 5 lakhs
Daily Cash Allowance0.20% of the sum insured

Table Data updated on 26-06-2020

3. IFFCO Tokio Swasthya Kavach Policy

IFFCO Tokio Swasthya Kavach Family Health is a family floater health insurance plan. It perfectly takes care of the medical emergencies by providing cover for medical evacuation of the policyholder, assessment, consultation and referral thus ensuring that the policyholder gets the best treatment and care without any financial hassles and compromises.

Features & Benefits

  • The plan offers multiple sum insured options ranging from Rs. 2, 3, 4 and 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 policy.
  • Policyholders up to 60 years of age or less do not need to undergo any medical check-up while buying the policy.
  • It offers coverage for the room rent which is up to 1% of basic sum insured and up to 2% in the case of ICU/ITU admissions.
  • Policyholders can avail the benefit of the daily allowance of Rs. 150 at the time of hospitalization.
  • The policy covers the medical expenses for pre-hospitalisation and post-hospitalization of 30 days (in both the cases).
  • In the case of domiciliary hospitalisation, the expenses shall be reimbursed for 3 days which is subject to a maximum limit of 20% of the basic sum insured.

Additional Details:

Entry Age18 years to 60 years; For children 91 days to 23 years
Renewability Age80 years
Number of Members CoveredProposer, spouse and 3 dependents (children, sibling, nephew, and niece)

Table Data updated on 26-06-2020

4. IFFCO Tokio Individual Medishield Policy

IFFCO Tokio Individual Medishield Policy offers medical cover to the policyholder for illnesses with an option to extend the cover for critical illnesses at affordable prices because the treatments to cure the same is quite expensive as compared to general illnesses.

Features & Benefits

  • Individuals as young as 3 months and up to 80 years of age can avail the benefit of this insurance where children between the age of 3 months and 5 years can be covered only if both parents are covered under the health insurance.
  • If you need to travel for medical treatment in the country, then a unique medical and personal assistance service is available at no extra cost for the policyholder under the plan.
  • Pre-existing diseases are covered only after a waiting period of 3 years of consecutive renewal of the insurance policy.
  • It also provides coverage for ayurvedic and homoeopathic hospitalization treatments apart from the allopathic treatment. This includes the pre-hospitalisation and post-hospitalisation costs as well.

Additional Details:

Daily AllowanceRs. 250 per day
Daycare Procedures121
Discounts5% to 10 % (depending on the number of members included in the policy)
Domiciliary HospitalisationUp to 20% of the sum insured

Table Data updated on 26-06-2020

5. IFFCO Tokio Individual Accidental Insurance Policy

IFFCO Tokio Individual Accidental Insurance Policy offers essential financial coverage to the policyholder against accidents such as broken bones, cuts, burns, loss of eyesight or limbs, ambulatory or medical services and hospitalization.

Features & Benefits

  • In case of death of the policyholder during an accident, the nominee will be paid with a death sum assured benefit under the policy.
  • In the case of total & partial permanent disability and temporary total disability, the insurance policyholder will receive 100% of the capital sum insured under the plan.
  • All the medical treatments with the help of which the insured can be healed are covered as per the norms of the respective insurance policy.
  • The policy even provides the benefit of finances up to a specified limit against the loss of employment of the policyholder which occurs as a result of an accident.
  • The plan offers education benefits to the dependent children of the policyholder if the policyholder suffers from total permanent disability, loss of eyes or limbs, or unfortunate death due to an accident.
  • The policy also compensates the damage or loss of any clothing that occurs during the accident.

Additional Details:

Entry Age5 years to 70 years
Sum InsuredRs. 1 lakh to 5 lakhs
Ambulance ChargesRs.1000 per insured person

Table Data updated on 26-06-2020

6. IFFCO Tokio Critical Illness Benefit Policy

IFFCO Tokio Critical Illness Benefit Policy assists the policyholder by offering financial support to cope with the health contingencies against critical illnesses.

The policy offers cover for the following critical illness:

  • Cancer of specified severity
  • Kidney failure requiring regular dialysis
  • Multiple Sclerosis with persisting symptoms
  • Benign Brain Tumor
  • Motor Neuron Disease with Permanent Symptoms
  • End-Stage Lung Failure
  • End-Stage Liver Failure
  • Primary (Idiopathic) Pulmonary Hypertension
  • Parkinson’s Disease Before the Age Of 50 Years
  • Alzheimer's Disease Before the Age Of 50 Years
  • Major Organ (Heart/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant
  • Open heart replacement or repair of heart valves
  • Open chest CABG
  • Surgery Of Aorta
  • Stroke resulting in permanent symptoms
  • Permanent Paralysis of Limbs
  • Myocardial Infarction (First Heart Attack of specified severity)
  • Third Degree Burns
  • Loss of Speech
  • Blindness
  • Loss of Limbs
  • Deafness
  • Coma of Specified Severity
  • Major Head Trauma
  • Muscular Dystrophy

Features & Benefits

  • The plan provides coverage against 25 critical illnesses along with surgeries.
  • Daily allowance benefits up to a maximum of Rs. 1000 per day that covers critical illnesses like cancer, Alzheimer’s disease, organ transplantation, bypass surgery, etc.
  • The policyholder can cover all the members of the family including parents and parents-in-law under a single policy.
  • Individuals up to 50 years of age can opt for the policy without any pre-policy medical check-ups.
  • The policyholder can enjoy a sum insured of Rs. 1 crore under the critical illness benefit policy.

Additional Details:

Waiting period120 days
PortabilityYes
RenewalLifetime

Table Data updated on 26-06-2020

7. IFFCO Tokio Health Protector Plus Policy

IFFCO Tokio Health Protector Plus Policy covers the hospitalisation expenses of the individual and family by offering the desired cover and additional assistance to cope up with high medical expenses against serious illnesses.

Features & Benefits

  • It offers daily cash allowance, an amount equivalent to 0.1% of the Sum Insured for miscellaneous expenses for the duration of hospitalization to the policyholder.
  • The expense of x-ray, radiotherapy, artificial limbs, chemotherapy, expenses for a pacemaker, dialysis and related expenses are also covered.
  • If organ transplantation is required for the treatment of the policyholder, then the cost of donors and transplantation of organs is covered under the plan.
  • The cost of vitamins and tonics provided in the medications apart from the treatment as certified by the doctor is covered by the policy.
  • It offers the ‘Waiver of Deductible’ option by paying an extra premium in case the policyholder lost his/her employment.

Additional Details:

Entry Age18 to 65 years
Policy Term1 year
Medical ScreeningFor individuals of the age group of 46 years and above
Sum InsuredRanges from Rs. 2 lakhs to Rs. 2.5 lakhs

Table Data updated on 26-06-2020

8. IFFCO Tokio Swasthya Raksha Bima

IFFCO Tokio Swasthya Raksha Bima policy is an affordable family floater plan especially designed for people dwelling in small towns and cities. The policy covers 2 adults together with 2 children at lower premium rates.

Features & Benefits

  • Pre-hospitalisation along with post-hospitalisation charges are covered up to 30 days.
  • Actual ambulance expenses are covered under the plan or Rs. 750 will be provided, whichever is less.
  • Domiciliary hospitalisation costs are also covered up to a maximum sub-limit of 20% of the sum insured.
  • Emergency assistance services are offered by the plan to deal with the adverse financial and health eventualities.
  • The plan provides coverage for organ transplantation expenses as well.

Additional Details:

Entry AgeMinimum- 18 years
Maximum- 65 years
Daily AllowanceRs. 150 per day
Co-pay35%

Table Data updated on 26-06-2020

9. IFFCO Tokio MOS-BITE Protector Policy

IFFCO Tokio MOS-BITE Protector Policy has been recently introduced in the health insurance market with a focus to provide protection against vector-borne diseases. The policy offers comprehensive coverage to the insured suffering from the listed vector-borne diseases.

Features & Benefits

  • The plan provides coverage against 7 vector-borne diseases, viz.,
    • Dengue fever
    • Malaria
    • Lymphatic Filariasis
    • Kala-azar
    • Chikungunya
    • Japanese Encephalitis
    • Zika Virus
  • Unlike other health insurance policies, this policy is liable to pay the sum insured in case of hospitalisation of 48 hours.
  • No pre-policy medical screening is required to purchase the policy.

Additional Details:

Entry AgeFor Adults:
Minimum- 18 years
Maximum- 65 years
For Children:
Minimum- 91 days
Maximum- 23 years
Sum InsuredUp to Rs. 1 lakh (in multiples of Rs. 5000)

Table Data updated on 26-06-2020

How To Purchase IFFCO TOKIO Health Insurance Plans?

  • Visit the official website of IFFCO Tokio General Insurance and choose the ‘Health Insurance’ tab given in the list present at the left side of the page.
  • Select the IFFCO Tokio health insurance plan as per your needs and click on the ‘Buy’ option present below ‘Are you interested?’.
  • Enter the details like your name and mobile number.
  • Tap on 'Submit’ and the ‘Health insurance quote generator’ will appear in front of you.
  • Fill the required details and calculate your premium for the opted plan.
  • Enter your personal details and medical history to proceed with the purchase.
  • The last and final step is to make the payment.
  • On successful completion of the payment, the soft copy of your policy document will be sent on your registered email address.

How To Renew IFFCO TOKIO Health Insurance Plans?

  • You have to visit the official website of the IFFCO Tokio General Insurance.
  • You will see a ‘Renew’ button at the top of the page, click on it.
  • Choose the ‘Health’ option given just below it.
  • Enter the policy number and the insured name and click on ‘Proceed’.
  • Fill the required information and submit.
  • Make the payment for renewal of your policy.
  • Success! Your policy has been renewed now. You will be intimated with the same with an email in your registered email id.

**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.

What Is the Claim Process of IFFCO Tokio Health Insurance Plans?

Cashless Claim

  1. The policyholder has to inform the insurer about the hospital admission in the network hospital of the company. For unplanned hospitalisation, the policyholder has to inform the insurance company at least 3 days before the admission.
  2. The policyholder has to report at the TPA/claim helpdesk 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.
  3. The letter will be sent to the claim management team for authorisation and they will proceed with the verification process.
  4. Approval for the cashless claim will be sent within a period of 24 hours of the receipt of the required documents and successful verification.
  5. The cashless claim will be processed and paid to you within 7 days of approval. You will be notified about the same in your registered email id and phone number.

Reimbursement Claim

  1. The policyholder can apply for a reimbursement claim in case of hospitalisation at a non-network hospital.
  2. The policyholder has to directly report at the TPA/claim helpdesk of the hospital to proceed with the claim process.
  3. Then the insured needs to complete the necessary information in the reimbursement form provided by the TPA/helpdesk of the hospital.
  4. Then the required documents such as discharge summary, prescription, etc. will be sent for verification process along with the form.
  5. The claim management team will verify all the details and information provided as per the norms of the policy.
  6. The claim management team will send an approval letter on your registered email id if everything is in place.
  7. A policyholder can request reimbursement within a period of 7 days of discharge.
  8. You can anytime contact the insurer’s customer service if you have any questions regarding the claim.

What Are the Documents Required for Claim Settlement of IFFCO TOKIO Health Insurance Plans?

  • Properly filled and signed claim settlement form.
  • All original documents associated with admission, treatment and discharge of the patient.
  • KYC information like age and address proof (e.g. Aadhaar card, voter id card, passport, driving license, etc.).
  • Medical bills, receipts, prescriptions and payment details.
  • Account details for settling the claim and successful payment in your bank account.

How To Contact IFFCO TOKIO General Insurance Company?

Contact Address:

IFFCO Tokio General Insurance Company,
Corporate Office, IFFCO Tower, Plot No. 3, Sector 29, Gurgaon - 122001, Haryana, India.

Customer Support:

Phone: 1800-103-5499

FAX: 0124-4722010

E-mail: websupport@IFFCOtokio.co.in (For Customer Services)
healthclaims@IFFCOtokio.co.in (For Claim Settlement Queries)

What Are the Exclusions of IFFCO Tokio Health Insurance Plans?

  • 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.
  • 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 unprescribed legal medicine is also not covered.
  • Any Gastric and Duodenal Ulcers are not covered.
  • Any type of sexually transmitted diseases such as HIV, AIDS, etc. are not covered.
  • No coverage for the expenses that arise due to some treatment of obesity, any hormone replacement therapy or procedure.
  • Any expenses that arise on spectacles, contact lenses or hearing aids of the policyholder are not covered.
  • Any genetic disorders stem cell implantation and surgery is not covered.

IFFCO Tokio Health Insurance: FAQs

1. Does the IFFCO Tokio Family Health Protector policy cover maternity and pregnancy expenses?

Yes, the IFFCO Tokio Family Health Protector policy covers maternity and pregnancy expenses as well.

2. What are the tax benefits if I purchase an IFFCO Tokio health insurance policy for my family?

The policyholder is liable to get tax benefits up to a maximum of Rs. 25,000 on buying an IFFCO Tokio health insurance policy for the family under Section 80D of the Income Tax Act, 1961.

3. Is there any mobile application for tracking and help regarding the policies for IFFCO Tokio general insurance company?

Yes, a mobile application ‘IFFCO Tokio - Customer’ is available for 24/7 assistance regarding queries for IFFCO Tokio policies.

4. What is a Cover Note in IFFCO Tokio health insurance policy?

A cover note is a temporary certificate given to the policyholder by the Insurer for issuance of insurance before the policy purchase upon receiving the full premium payment and duly-filled proposal form.

5. What are the pre-policy medical check-ups required for buying an IFFCO Tokio health insurance policy?

The medical check-ups required prior to policy purchase of an IFFCO Tokio health insurance policy are blood sugar, urine, and ECG.

6. May I know the interval of free health check-up offered to the policyholders by IFFCO Tokio health insurance policies?

The option of free health check-up is provided up to 1% of the basic sum insured to the policyholders at the end of a block of 4 consecutive claim-free years as the health check-up expenses are already covered in the plans upon any claim received within this interval.

7. Does the IFFCO Tokio MOS-BITE Protector policy offer vaccination expenses?

Yes, the IFFCO Tokio MOS-BITE Protector policy offers vaccination expenses up to a maximum of 7.5% of the total premium amount paid in case of the single insured individual and up to 15% for all the insured members.

Page updated on 26-06-2020