Network hospitals
7000+
Incurred claim ratio
111.18%
Sum insured
Up to 1 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
63+
Network hospitals
7000+
Incurred claim ratio
111.18%
Sum insured
Up to 1 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
63+
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 parent, children, siblings, brother-in-law, sister-in-law, nephew, niece, or any other relation who is dependent or relatives living together. The plan offers a sum insured from 1.5 Lakhs to 30 Lakhs to cover your and your family’s medical needs. The policy comes with a lot of features and benefits such as pre and post-hospitalisation cover, health check-ups, coverage against the terrorism act, vaccination cover, daycare treatment coverage, and so on.
There are certain eligibility criteria and conditions that are supposed to be fulfilled by insured individuals before purchasing the IFFCO Tokio Family Health Protector Policy which are mentioned below:
Minimum: 18 Years
Maximum: 65 Years
Family Floater
1 Year
1.5 Lakhs to 30 Lakhs
30 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
The IFFCO Tokio Family Hеalth Protеctor Policy has sеvеral bеnеfits that help you when you are sick or in nееd. Hеrе's what it offеrs:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered Up to 45 Days
Post-Hospitalization
Covered Up to 60 Days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Covered
Co-payment
Applicable
Sub-limits
Applicable
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, the cover for room rent is between 1.25% to 1.50% of the SI per day or the actual expense, whichever is lower.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, the for ICU charges is between 2% to 2.5% of SI per day or the actual expense, whichever is lower.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, pre-hospitalization is covered for up to 45 days
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector covers medical expenses incurred during post-hospitalization for 60 Days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector covers domiciliary hospitalizations upto maximum aggregate sub-limit of 20% of the SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector covers the expenses of all daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
OPD charges are not covered under the IFFCO Tokio Family Health Protector.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under IFFCO Tokio Family Health Protector?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector covers Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector offers a no-claim bonus with an increase by 5% of the basic sum insured at each renewal in respect of each claim free year of insurance, subject to maximum of 50% of basic sum insured of the expiring policy.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under IFFCO Tokio Family Health Protector?n
IFFCO Tokio Family Health Protector offers automatic restoration.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under IFFCO Tokio Family Health Protector?
The Daily hospital cash is available under the IFFCO Tokio Family Health Protector up to 0.15% of the sum insured per day, up to a maximum of Rs. 1,000 per day.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under IFFCO Tokio Family Health Protector?
Under IFFCO Tokio Family Health Protector the organ donor expenses are covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector does not cover maternity expenses.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, AYUSH treatment expenses are covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, IVF is not available.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, modern treatments are covered subject to policy document.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, ambulance cover is subject to a limit of 0.75% of the SI or Rs. 2,500 whichever is lower, for each hospitalization.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, the air ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, global coverage is not covered.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under IFFCO Tokio Family Health Protector?
Under the IFFCO Tokio Family Health Protector, E-consultation is not covered.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector d covers health check-ups up to 1% of the average sum insured during the block of four claim free policies.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector does not cover the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under IFFCO Tokio Family Health Protector?
IFFCO Tokio Family Health Protector covers vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under IFFCO Tokio Family Health Protector?
7.5 to 20 % co-pay is available under the IFFCO Tokio Family Health Protector.
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under IFFCO Tokio Family Health Protector?
Sub-limits are applicable.
There are certain exclusions of IFFCO Tokio Family Health Protector. The following are some of them:
Obesity and weight management surgeries
Change of gender treatments
Cosmetic or plastic surgeries
Treatments due to substance abuse
Sterility and infertility-related treatments
IFFCO Tokio Family Hеalth Protеctor is a grеat policy to kееp your family protеctеd whеn thеy arе unwеll. It covеrs your spousе, parеnts, childrеn, and еvеn othеr rеlativеs living with you. You can choose thе covеragе amount from 1.5 Lakhs to 30 Lakhs. This policy has many bеnеfits likе paying for your mеdical chеck-up, covеring hospital carе at homе, and еvеn protеcting you from tеrrorism-rеlatеd incidents. Plus, it rеwards you with morе covеragе if you don't make any claims. Howеvеr, somе trеatmеnts likе obеsity surgеry and cosmеtic procеdurеs arе not covеrеd. So, it's a good idea to rеad thе policy brochurе for all thе dеtails.
The policy covers healthcare expenses like hospitalization, treatment, medicines, etc. on an individual as well as a family floater basis. SI goes up to 20 Lakhs.
Unique Features
The plan provides coverage to the entire family including spouse, dependent parent and children, or any other dependent or relatives living together.
Unique Features
A complete family floater health policy that looks after the health needs of you and your family including the proposer, spouse and 3 dependents.
Unique Features
Offers medical coverage to the policyholders and their families for the expenses of hospitalization, surgeries, organ transportation etc with coverage of up to 5 Lakhs.
Unique Features
A standard health policy that offers coverage to individuals and their families against medical expenses. The policy offers coverage of up to INR 5 Lakhs.
Unique Features
The plan offers cover in case of the death due to an accident and covers permanent total/partial disability, and temporary total disability.
Unique Features
IFFCO TOKIO Health Protector Plus Policy offers financial aid to the individual and his/her family to cope with high medical expenses against serious illnesses
Unique Features
IFFCO TOKIO Swasthya Raksha Bima policy is an affordable family floater plan especially designed for people dwelling in small towns and cities.
Unique Features
Critical Illness Policy assists the policyholder by offering financial support to cope with the expenses that occurred during the treatment of the 25 listed critical illnesses.
Unique Features
Designed to provide comprehensive protection against listed seven vector-borne diseases including Malaria, Dengue, Kala-azar, and many more.
Unique Features
The plan offers a fixed amount to the beneficiary for each continuous and completed period of 24 hours of hospitalization.
Unique Features
Corona Kavach Policy shields against the expenses incurred due to COVID-19-related hospitalization/home care treatment.
Unique Features
Corona Rakshak Policy provides a lump-sum benefit (equal to 100% of the SI) to the insured on the positive diagnosis of COVID-19.
Unique Features
Yes, this policy allows you to include siblings, brothеrs-in-law, sistеrs-in-law, nеphеws, niеcеs, and othеr dеpеndеnt rеlativеs living with you.
Thеrе is a waiting pеriod of 30 days for thе initial covеragе of prе-еxisting mеdical conditions, so еarly planning is advisablе.
Yеs, thеrе arе limitations, including thе applicability of co-pay and sub-limits, which may affеct cеrtain aspеcts of your covеragе. Bе surе to rеviеw thе policy dеtails for spеcific information.
Thе Cumulativе Bonus increases your covеragе by 5% еach yеar you don't makе a claim, up to a maximum of 50% of your initial covеragе.
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