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Individual Medishield Plan: Features, Benefits, Review

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Main Highlight of the plan

This plan provides coverage for registration, service charges, surcharges, etc. up to 0.5% of sum insured. This plan provides discount for customers who have motor insurance policy with IFFCO TOKIO.

Scope of cover

Iffco Tokio Individual Medishield Plan

Coverage: Benefits & Features

Most Important

ROOM RENT/ ROOM CATEGORY

This plan has room-rent limit on up to- 1% of basic sum insured (excluding cumulative bonus) per day. 2.5% of basic sum insured (excluding cumulative bonus) per day for ICU room-rent. Note: This plan provides coverage for registration, service charges, surcharges, etc. up to 0.5% of sum insured.

CO-PAYMENT

This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable.

NO-CLAIM BENEFITS

In this plan no-claim bonus equal to 5% of basic sum insured up to a maximum of 50% is available for each unclaimed year. However, the bonus amount is reduced by 10 % of sum insured once a claim is made.

Note: After any claim, only the bonus amount would be reduced at the time of renewal. However, the basic sum insured will not be affected.

Good to have

PRE/POST HOSPITALIZATION

60 days of pre-hospitalization and 60 days of post hospitalization are provided in this plan.

RESTORE BENEFITS

This plan does not offer restore benefit.

HEALTH CHECK-UP

This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years.

Value Adds

AMBULANCE CHARGES

This plan provides coverage for ambulance expenses equal to 1% of sum insured up to a maximum of INR 1500.

EYE COVER

This plan does not provide coverage for eye treatment expenses.

DOMICILIARY HOSPITALIZATION

Domiciliary coverage up to 20% of sum insured is offered in this plan only if the hospitalization exceeds 3 days.

OUTPATIENT BENEFITS

This plan does not have any outpatient benefits.

CRITICAL ILLNESS COVERAGE

In this plan, additional coverage for critical illnesses listed in the Iffco Tokio health policy wording is optional.

ALTERNATIVE PRACTICE

This plan covers expenses for Ayurvedic treatments up to 10% of sum insured in case of hospitalization.

DENTAL COVER

This plan does not covers dental expenses.

DAILY CASH

Daily cash allowance of 1% of sum insured up to a maximum of INR 250 is available in this plan.

ORGAN DONOR COVER

This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured.

CONVALESCENCE BENEFIT

This plan does not provide convalescence benefit.

MATERNITY COVER

This plan does not cover maternity expenses.

Exclusions

A cooling off period of 30 days is applicable on buying health insurance policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy. Waiting period of 1 year is applicable for specified ailments. Refer to the policy wordings for the list of these specified ailments. Waiting period of 3 years is applicable for pre-existing diseases.

PERMANENT EXCLUSIONS

Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.

Talk to an expert

Health plans starting at Rs 6 / day

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Aniket Thakker
Written by Aniket Thakker
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

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