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Overview
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. The policy covers the entire family under one plan, including the policyholder’s spouse, dependent parents, children, siblings, brother-in-law, sister-in-law, nephew, niece, or any other dependent relative living together.
The plan offers a sum insured from 1.5 Lakh to 30 Lakh to cover your and your family’s medical needs. The policy comes with many features and benefits such as pre and post-hospitalization cover, health check-ups, coverage against terrorism, vaccination cover, and daycare treatment coverage.
IFFCO Tokio Family Health Protector Policy Benefits
The IFFCO Tokio Family Health Protector Policy offers several benefits to support you during illness or medical emergencies. Here's what it provides:
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Reinstatement of Sum Insured
The sum insured is restored once it is exhausted during the policy year. Please refer to the policy document for specific details.
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Domiciliary Hospitalization
If you require medical care at home, the policy covers expenses up to 20% of your total sum insured.
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Terrorism Coverage
Covers medical expenses and damages incurred due to acts of terrorism, up to the sum insured amount.
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Cumulative Bonus
Your coverage increases by 5% for each claim-free year, up to a maximum of 50% of your initial sum insured.
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Health Check-up
After four consecutive claim-free years, the policy covers the cost of your health check-up upon renewal.
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Emergency Assistance Services
Provides emergency medical and personal assistance services at no extra cost if you are more than 150 kilometers from your home for less than 90 days.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Listed ailments are covered after a waiting period of 12 or 24 months.
- Pre-existing diseases are covered after a waiting period of 48 months.
Documents Required
To process your policy application or claims, you will typically need to provide standard documents such as identity proof, address proof, age proof, and medical reports (if applicable). For claims, additional documents like hospital bills, discharge summaries, and diagnostic reports will be required. Please refer to the official policy document or contact IFFCO Tokio for a complete and accurate list of required documents.
In a Nutshell
IFFCO Tokio Family Health Protector is an excellent policy to keep your family protected when they are unwell. It covers your spouse, parents, children, and even other relatives living with you. You can choose a coverage amount from 1.5 Lakh to 30 Lakh.
This policy offers many benefits like covering medical check-ups, hospital care at home, and protection from terrorism-related incidents. Additionally, it rewards you with more coverage if you don't make any claims. However, some treatments like obesity surgery and cosmetic procedures are not covered. It is advisable to read the policy brochure for all the details.
