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Iffco Tokio Health Insurance

Founded in the year 2000, IFFCO Tokio General Insurance Co. Pvt. Ltd (IRDA Reg No. 106) is one of the most popular insurance companies in India. It is a joint venture between IFFCO and associates and Tokio Marine and Nichido Group of Japan.

IFFCO stands for Indian Farmers Fertilizer Co-operative, and is one of the largest co-operative fertilizer manufacturer in the world. IFFCO was established in 1967, and had made its place in the agricultural vertical by consistently optimizing their marketing practices while delivering the best products. Tokio Marine and Nichido Group have been providing insurance in Japan for the past 120 years, making them the oldest insurance providers.

IFFCO Tokio offers different products in insurance, health insurance being one of them. IFFCO Tokio is the only insurance company that has a owned subsidiary, which is IFFCO Tokio Insurance Services Ltd. And has a distribution channel that looks after retail clients in more than 350 towns.

Plans Offered by Iffco-Tokio

Individual Medishield Insurance Policy- Base Plan

This is the most basic health insurance plan offered by IFFCO TOKIO with coverage as follows:

  • This policy offers basic coverage in the range of INR 1,00,000 and INR 5,00,000 for individuals of between age 5 years and 65 years.
  • Pre and post hospitalization expenses,no claim bonus, day care procedures, coverage for expenses on treatments using Ayurveda, etc., are benefits provided in this plan.
  • The plan has sub-limits (limits on room-rent, ICU rent, etc.) as specified in the policy.

Individual Medishield Insurance Policy- Base plan plus Critical Care

  • This Individual health insurance policy offers benefit of additional coverage of INR 1,00,000 to the base cover (mentioned above) after payment of 30 % more premium of the base plan premium.
  • Individuals between age 5 years and 65 years would be covered under this policy.
  • This is an extension of base plan which provides double coverage in case of critical illness. Pre and post hospitalization expenses,no claim bonus, day care procedures, coverage for expenses on treatments using Ayurveda, etc., are benefits provided in the plan.
  • The plan has sub-limits (limits on room-rent, ICU rent, etc.) as specified in the policy.

If you want to buy the base or the wider cover of Individual Medishield Policy then know more about the terms and conditions click here for more details.

Health Protector

This is a health insurance plan with co-payment. Here is a brief on coverage offered:

  • This plan offers coverage during illnesses/ injuries/ diseases which require hospitalization.
  • Basic cover like pre and post hospitalization expenses,no claim bonus, day care procedures, coverage for expenses on treatments using Ayurveda, etc., are benefits provided in the plan.
  • The plan has co-payment after first claim in the range of 7.5% to 20%.

If you want to discuss the features and exclusions under this plan, contact Coverfox.

Individual Personal Accident Insurance policy

This is personal accident disability plan offered by IFFCO TOKIO. The details of coverage offered is as follows:

  • This plan offers coverage in case of accidents in the range of INR 2,50,000 to INR 15,00,000 to individuals below age 65 years.
  • In this plan a lump sum amount in case is paid in case of accidental death, daily cash in case of illness & accident, it also covers permanent or temporary total disability, injuries with broken bones or burns as well as ambulance costs.

If personal accident disability plan was all that you were looking out for know more about it, contact Coverfox.

Health Protector Plus

Individual Coverage

This is a top-up plan which provides coverage in case the hospitalization expenses exceed the deductible value. Mentioned below is brief about coverage offered:

  • This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) which offers coverage to individuals between age 18 years up to 65 years.
  • The coverage amount for this plan is in the range of INR 2,00,000 and INR 25,00,000 and the deductible amount is in range of INR 1,00,000 and INR 5,00,000.
  • The plan offers basic coverage like pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.
  • There are 8 variants of this plan which offers different sum insured values.

Family Floater Coverage

  • This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) for individuals from age 18 years up to 65 years.
  • The coverage amount for this plan is in the range of INR 2,00,000 and INR 25,00,000 and the deductible amount is in the range of INR 1,00,000 and INR 5,00,000.
  • The plan offers basic coverage like pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.
  • There are 8 variants of this plan which offers different sum insured values.

If this top-up plan suits your requirements, know more about the terms and conditions under this policy, contact Coverfox.

Swasthya Kavach Policy Base Plan

This is basic health insurance plan offered by IFFCO TOKIO to cover health expenses for the entire family on a shared basis. Some details of this plan are:

  • It offers coverage in the range of INR 2,00,000 and INR 5,00,000.
  • A maximum of 2 adults and 3 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this policy.
  • Pre and post hospitalization expenses, No sub-limits, No-claim bonus, cashless benefit, hospital expense cover, ambulance cover, etc., are provided in the plan.

Swasthya Kavach Policy Wider Plan

Swasthya Kavach Wider plan is advanced variant of the basic plan. The details of coverage offered are:

  • It in the range of INR 2,00,000 and INR 5,00,000.
  • A maximum of 2 adults and 3 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this policy.
  • The wider plan offers higher expense coverage in case of daily cash, reimbursement of health check-up cost, no sub-limits, etc.

Swasthya Kavach Policy Wider Plan with Critical Illness

This is advanced variant with additional coverage in case of diagnosis of critical illness. Here are some details of coverage offered.

  • This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 5,00,000.
  • A maximum of 2 adults and 3 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this policy.
  • In addition to providing wider coverage this health insurance plan provides additional critical illness coverage.

If you want to know more about the coverage offered under any variant of Swasthya Kavach plan, please click here.

Family Health Protector Policy

This is a health insurance plan which covers expenses of entire family on shared basis. The details of coverage offered are as follows:

  • This is a family floater plan which covers health costs of the entire family.
  • Illnesses or injuries or diseases which require hospitalization are covered in this plan.
  • Basic cover like pre and post hospitalization expenses,no claim bonus, day care procedures, coverage for expenses on treatment using Ayurveda, etc., are benefits provided in the plan.
  • This family health insurance plan has sub limits below sum insured INR 7,00,000.

In case you want to buy a plan to cover basic health expenses of yourself and your family know more about Family Health Protector, contact Coverfox.

Talk to a Health Insurance Advisor

Understand all the benefits of Iffco Tokio health plans

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Benefits

  • Trusted Brand: With Tokio Marine & Nichico Fire Insurance Company, the oldest insurance company in Japan, as its promoter, IFFCO Tokio has the expertise in the insurance vertical. It is one of the largest and popular insurance companies with a loyal customer base.
  • Ideal Products: IFFCO Tokio health insurance designs products keeping their audience in mind and you are bound to find a health insurance plan that suits you the best.
  • Strong network of hospitals: With a PAN India presence, Iffco Tokio has a strong network of hospitals for cashless hospitalization.
  • Claim settlement: With minimal rejection ratio, IFFCO Tokio health insurance comes on top when it comes to claim settlements.

Claim Process at Iffco Tokio

There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

Religare Health Insurance has a well-defined claim processing system.

Cashless Service: seeking Pre-Authorization

  • Complete the pre-authorization form available at the hospital’s insurance/TPA Desk.
  • Send the completed form via email or fax.
  • Approved letter will be sent by the claim management team. Remember that the claim management team could send an inquiry to the hospital or you before authorization.
  • In case the authorization is rejected, initiate the treatment and file for reimbursement claim.

Reimbursement Claim: Claim Submission

  • Complete the necessary form and submit along with required documents, as per the policy terms and conditions.
  • Necessary documents include discharge summary, prescriptions, bills etc.
  • Approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.
  • In case the claim is rejected, the reasons will be communicated by the team.

In case of any emergencies, you need to inform Iffco Tokio within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Iffco Tokio's toll free number 1-800-103-5499. The same could also be emailed to websupport@iffcotokio.co.in .

Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Frequently Asked Questions

Can I port my current insurance plan to Iffco Tokio?

Yes. You can port your current policy to Iffco Tokio at the time of renewal. However, you need to initiate the process atleast 45 days in advance for the timely porting.

What happens to my Critical illness Policy after a claim is filed?

The cover under this Policy in respect of a critical illness or injuries for any Insured Person shall cease upon the reimbursement of medical expenses incurred as inpatient /provision of Cashless hospitalization on the treatment of the critical illness or injuries.

When will my policy not pay?

Some of the important Exclusions under the Policy are self-injury, suicide, venereal disease, insanity, influence of intoxicating liquor or drugs, pregnancy or childbirth, HIV or AIDS , war and nuclear risks etc. For more comprehensive list of exclusions, you will need to refer the Policy Wordings of the plan you have opted for.

Does Iffco policies cover Domiciliary Hospitalisation expense?

Yes. Domiciliary Hospitalisation expenses are covered up to a maximum sub-limit of 20% of Basic Sum Insured. This relates to expenses for medical treatment for a period of more than 3 days, which would normally require hospitalisation, but is actually taken at home for specified reasons, as stated in the Policy.

Can I avail this policy if I am not an Indian National but living in India?

Yes, if you are a student studying in India or working with a valid work Visa. But if you are a tourist coming to India for three weeks, it will not be worthwhile to buy this as thirty days cooling-off period itself offsets the benefits which you are looking for. Medical tourism cases are definitely not covered in policy issued in India.

How do I find out which Hospitals are part of a given insurance network?

You can refer to the list of empaneled hospitals on their website or the list provided in the guidebook or welcome kit. Simultaneously, you can also call their Toll Free Line at 1800-103-5499 or email them at websupport@iffcotokio.co.in for any additional assistance you may need. To locate an Iffco Tokio network hospital near you, click here.

Please note that, as an esteemed Coverfox customer, you are welcome to reach out to us as we are obliged to assist you in every possible scenario.

Review of Iffco-ToKio Health Insurance

With a robust base of faithful customers clubbed with sturdy Pan India branch setup, Iffco Tokio's Family Health Insurance Plans are reasonably priced and cost-optimized. Also the premiums are viable, pocket friendly and accounted for. The cover gives you cashless hospitalization benefit in over 3000 hospitals across nation. If a worthy health cover with strict budget is what's on your mind, iffco Tokio is a sure contender.

For details about plans on offer, do call Coverfox at 1800-209-9920 to assist you further.