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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 DETAILS |
Iffco Tokio Family Health Protector Policy |
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Hdfc Ergo Energy Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
8000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 18 to 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 6,208 | 15086 |
| Plan Waiting Period | 30 | None |
| Plan Coverage | Hospitalization expenses, pre and post hospitalization expenses, daycare treatments, AYUSH treatment, organ transplant cover, domiciliary care | Individual |
| Plan Sample Premium | 6,208 | 15086 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 Year |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 95.82 | 95.30 |
| Solvency Ratio | 1.85 | 2.00 |
|
HDFC Ergo Health Insurance Plan Detailed Review |
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