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IFFCO Tokio Health Insurance Plans Overview

IFFCO Tokio health insurance offers 10 health insurance plans. The premium of these plans starts from Rs. 44/yr. The sum insured ranges from Rs. 5,000 - 1 Cr. Details of the comprehensive coverage provided by the following 10 IFFCO Tokio health insurance plans are listed below:

IFFCO Tokio Critical Illness Benefit Policy

Starting Premium- ₹ 257/yr

This is a critical illness policy paying a fixed benefit if any insured member suffers from a covered critical illness during the term of the policy.The features of the policy are as follows

  1. The policy covers a range of 25 illnesses as well as surgical procedures
  2. You can buy the policy on a floater basis covering your family members under a single plan
  3. No pre-entrance health check-ups are required till 50 years of age
  4. Sum insured of up to INR 1 crore can be opted under the plan

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 1 Cr

NCB

NA

IFFCO Tokio Critical Illness Insurance Policy

Starting Premium- ₹ 257/yr

This is a specific critical illness plan which covers a list of critical illnesses. If the insured member suffers from any of the covered critical illness,the sum insured is paid in lump sum.Other features of the plan are as follows

  1. Nine critical illnesses are covered under the policy
  2. There are different add-on covers also which are available under the plan for a wider scope of coverage

Eligible Age

25 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 1 Cr

NCB

NA

IFFCO Tokio Family Health Protector Policy

Starting Premium- ₹ 3,309/yr

This is a family floater indemnity health insurance policy.You can get coverage for your whole family under the same plan and the policy would pay the medical costs incurred when any one or more family member is hospitalised.The features of the policy are as follows

  1. Sum insured of up to INR 30 lakhs is available under the plan
  2. You can avail an optional critical illness cover wherein an additional sum insured is paid if you or any other insured family member suffers from a covered illness
  3. The company settles its claims in-house making the claim process easy and simple
  4. A daily allowance of up to INR 1000 is allowed for each day of hospitalisation
  5. Free health check-ups are allowed after every four claim-free policy years
  6. Vaccination expenses are also covered by the policy
  7. Even if you are hospitalised for less than 24 hours but more than 12 hours,you would get coverage for inpatient hospitalisation for up to 50% of the coverage limit
  8. The plan provides emergency assistance services if you travel 150 kilometres beyond your residential address
  9. Premium discounts are also available for making the premiums lower

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

2 Lakh - 30 Lakh

NCB

5% increase in cover;max upto 50%

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FAQs

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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