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Top Features From IFFCO Tokio Health Plans

IFFCO Tokio is a reputed brand name which gives you the following benefits when you choose its health insurance plans

  • It promises ease in claim settlement with cashless claims served through a network of more than 5000 hospitals in India
  • The company has a wide presence with more than 20,000 agents working for it at various branches across the country
  • IFFCO Tokio promises complete transparency in buying the policy, servicing it as well as at the time of claims
  • The company has won various awards including the P & C Insurer of the Year Award presented by the Insurance Asia News among others
  • The company has a high claim settlement ratio of 92.65% proving that your claims would be settled by the company effectively

Features of IFFCO Tokio Health Insurance plans

  • Different plans can be availed for covering self, family or dependent parents
  • The plans offer indemnity based coverage where the actual medical costs are paid as well as fixed benefit coverage wherein a lump sum claim is paid
  • The coverage benefits under the plans are comprehensive and beneficial
  • All the plans promise lifelong renewability ensuring coverage even in very old ages
  • The premiums are low and also allow you tax benefits under the provisions of Section 80D of the Income Tax Act

Coverage under IFFCO Tokio Health Insurance plans

  • Inpatient hospitalisation : If you or any insured member is hospitalised for 24 hours or more, the costs incurred on such hospitalisation are covered under this head. Common costs which are covered under health insurance plans include room rent, ICU charges, nurse’s fee, doctor’s fee, surgeon’s fee, oxygen, blood, medicines, anaesthesia, etc. required in treatments, etc
  • Pre-hospitalisation : If you incur expenses before being actually hospitalised, such expenses are called pre-hospitalisation expenses. These expenses are also covered under health insurance policies up to a specified limit
  • Post-hospitalisation : After being discharged from the hospital you incur various charges for tracking your health and recovery. These expenses are called post-hospitalisation expenses and they are covered
  • Daycare treatments : Treatments which do not require 24-hour hospitalisation due to advanced medical treatments are called daycare treatments. These treatments are covered under all health insurance plans
  • Ambulance charges : The costs incurred on an ambulance for taking you to the hospital for treatments are covered up to specified limits
  • AYUSH treatments : Many health insurance plans also cover non-allopathic treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH). Such AYUSH Treatments, however, are covered up to specified limits
  • Domiciliary treatments:Treatments which are taken at your own home due to non-availability of any hospital bed or if your physical condition is not feasible to be shifted to the hospital are called domiciliary treatments and such treatments are covered
  • Organ donor treatments : IFFCO Tokio Health Insurance plans cover the cost of treatments done on the donor as well as on you in case of organ transplant surgeries
  • Free health check-ups : You also get the benefit of availing free health check-ups after specified intervals under your policy. These check-ups are allowed up to a specified limit of your sum insured and are allowed only if no claims have been made under the policy

Exclusions Across IFFCO Tokio Health Plans

  1. Illnesses within the first 30 to 90 days of buying the policy
  2. Pre-existing illnesses within their corresponding waiting periods
  3. Pregnancy and the cost of childbirth unless it is specifically covered
  4. Congenital illnesses or diseases
  5. Venereal and sexual illnesses including HIV and AIDS
  6. Mental disorders or any type of psychiatric illnesses
  7. Illnesses or injuries due to war, related perils, nuclear contamination or similar threats
  8. Illnesses due to alcohol and/or drug abuse
  9. Accidents and injuries suffered when participating in criminal activities or any other adventurous activities
  10. Circumcision and cosmetic treatments

IFFCO Tokio Premium Calculator

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Cumulative bonus is the same as no claim bonus. It is a bonus which is allowed by a health insurance policy if you do not make a claim in a policy year. IFFCO Tokio Health Insurance plans offer you an increase in the sum insured as a cumulative bonus while the premiums do not increase

Most health plans offered by IFFCO Tokio come with coverage duration of one year after which you are required to renew the policy

The requirement of pre-entrance medical check-ups depends on the plan that you are buying, your entry age and sum insured that you choose. At higher ages and if you choose higher levels of the sum insured, pre-entrance medical check-ups would be required.
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