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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.
For children : 91 days
Minimum : 18 years
Maximum : 65 years
Maximum Members : 6
Maximum Adults : 2
Maximum Children : 4
Age of 46 and above
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.
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.
This benefit covers for any expenses related the organ donation for you.
The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the 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.
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.
Offers complimentary health check-up in Wider plan that covers some listed tests, once every four claim-free years.
You can avail treatment at home up to 20% of sum insured, provided it meets the conditions.
This plan does not cover expenses related to non-allopathic treatment.
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.
This plan does not cover maternity costs, except for ectopic pregnancy.
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.
This policy provides additional cover for critical illness at an additional premium.
The plan has defined limits for room rents and is equal to:
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.
A 30 days cooling off period for all claims except any arising out of accidental injuries.
The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.
You can claim for any pre-existing conditions after 48 months from the policy start date.
The Plan will not cover any liabilities towards the treatments of following conditions-
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.