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.

    Need Smart Advice?
    Schedule a call with our experts!
    Please enter your name and a valid phone number
    Thanks! We will get back to you soon.

    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.

                                      Health Insurance Policies @ Coverfox

                                      Schedule a call with our experts!

                                      Please enter a valid phone number
                                      Thanks! We will get back to you soon.

                                      I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

                                      Close
                                      Leave a rating!
                                      1.0 (2 votes)