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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
Family Health Protector Policy
The policy offers protection for you and your family against injury or ...Read More
Up to 1 Crore
Sum insured
1
No. of plans
63+
Pan India presence
95.82%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 8,000+ hospitals
📊 1.85 solvency ratio
✅ 95.82% claim settlement
About Family Health Protector Policy
A quick read on what this IFFCO Tokio Health Insurance plan covers and why it might be a fit for you.
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.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹5 L, ₹10 L, ₹20 L, ₹30 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Income Tax benefits
- Hassle-free claims
- 4000+ network hospitals
Cons
- Pre-Existing Diseases
- Illegal activities
- Self-harm
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
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:
-
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.
-
Domiciliary Hospitalization
If you require medical care at home, the policy covers expenses up to 20% of your total sum insured.
-
Terrorism Coverage
Covers medical expenses and damages incurred due to acts of terrorism, up to the sum insured amount.
-
Cumulative Bonus
Your coverage increases by 5% for each claim-free year, up to a maximum of 50% of your initial sum insured.
-
Health Checkup
After four consecutive claim-free years, the policy covers the cost of your health check-up upon renewal.
-
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.
IFFCO Tokio Health Insurance Network Hospital List
IFFCO Tokio Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, IFFCO Tokio Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- 18 to 65 Years
Other features & benefits
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.
IFFCO Tokio Family Health Protector Policy: FAQs
The 4 most-asked questions about Family Health Protector Policy, answered.
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.
Conclusion
A family floater plan offering wide coverage for multiple members under one sum insured, suitable fo
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