IFFCO Tokio Swasthya Kavach Plan

Iffco Tokio Health Insurance

IFFCO Tokio General Insurance, incorporated on 4th December 2000, is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group.

IFFCO Tokio Swasthya Kavach Family Health Insurance is a family health insurance policy that is meant to cover the costs of medical treatment, hospitalization, surgery and organ transplanting charges in the case of ailment or accident.

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Highlights of IFFCO Tokio Swasthya Kavach Plan

  • Cover for entire family (2 Adults and two children)
  • Option of Critical Illness Add-on
  • Emergency services like care for minor kids, referral, medical consultation, etc.
  • Available in two options – Basic & Wider Plan

Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 4

Sum Insured

2,3,4,5 lakhs


discount

Family Discount


Policy Periods Available

1 year


Pre-Policy Medical Check-up

Age of 46 and above


Important Features

Day Care Treatments

Due to scientific advancement, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. This plan covers 121 such procedures.

    No-Claim Benefits

    In this policy no-claim bonus equal to 5% of basic sum insured up to a maximum of 50 % is available. However, the bonus amount is reduced by 10% of sum insured once you make any claim until you reach the basic sum insured.

      Organ Donor Cover

      This benefit covers for any expenses related the organ donation for you.

        Pre Hospitalization

        The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

          Post Hospitalization

          The insurance company will pay you for the medical expenses related to your hospitalization 30 days & 60 days post hospitalization in Basic and Wider plan respectively.

            Good to Have Benefits

            Daily Hospitalization Allowance

            The plan offers a daily allowance of Rs. 150 per day in case of the Basic plan and Rs. 250 per day for Wider plan.

              Health Check-up

              Offers complimentary health check-up in Wider plan that covers some listed tests, once every four claim-free years.

                Home Hospitalization/ Domiciliary Hospitalization

                You can avail treatment at home up to 20% of sum insured, provided it meets the conditions.

                  Non- Allopathic Treatment Expense Cover

                  This plan does not cover expenses related to non-allopathic treatment.

                    Emergency Ambulance

                    This plan provides ambulance cover of Rs.750 (or actual, whichever is less) in Basic and Rs.1500 (or actual, whichever is less) in Wider plan.

                      Value Adds

                      Maternity Cover

                      This plan does not cover maternity costs, except for ectopic pregnancy.

                        FREE LOOK PERIOD

                        For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                          Add-on Covers

                          CRITICAL ILLNESS COVER

                          This policy provides additional cover for critical illness at an additional premium.

                            Terms & Conditions

                            Room Rent / Room Category

                            The plan has defined limits for room rents and is equal to:
                            Basic Plan

                            • 1% of sum insured for standard room expenses
                            • 2% of sum insured for Intensive Care/Therapeutic Unit expenses
                            • Registration and Service Charges of Hospital/Nursing Home to be paid at actuals

                            Wider Plan
                            • 1.5% of sum insured for standard room expenses
                            • 2.5% of sum insured for Intensive Care/Therapeutic Unit expenses
                            • Registration and Service Charges of Hospital/Nursing Home to be paid at actuals




                            Co-Payment

                            10% of co-payment applies if you are suffering from either diabetes or hypertension 25% if you suffer from both. This provision applies to claims originating from diabetes and/or hypertension only.

                              Waiting Period

                              Cooling Off Period

                              A 30 days cooling off period for all claims except any arising out of accidental injuries.

                                Specific Illnesses

                                The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

                                  Pre-Existing Illnesses

                                  You can claim for any pre-existing conditions after 48 months from the policy start date.

                                    Permanent Exclusions

                                    The Plan will not cover any liabilities towards the treatments of following conditions-

                                    • Whose signs or symptoms first occur within 30 days of the policy period
                                    • Attempted suicide
                                    • Use of alcohol or drug
                                    • The cost of spectacles, contact lenses or hearing aids
                                    • AIDS
                                    • Pregnancy, childbirth, miscarriage, and abortion
                                    • Congenital disease
                                    • Infertility and in vitro fertilization.
                                    • Hospitalization out of war, riot, strike and nuclear weapons

                                    Review of IFFCO Tokio Swasthya Kavach Plan

                                    IFFCO Tokio's Swasthya Kavach policy offers you the suitable solution by learning more about your health and coverage requirements. It is affordable, and the premium is attractive and planned to be easy on your pocket. With vast benefits on offer, the insurance policy is sure to satisfy your needs of a secure future.

                                    **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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