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What Is Special About Health Protector Policy?

Iffco Tokio Individual Health Protector is an individual health insurance policy which can be bought on individual sum insured basis for you or any other member of your family including your spouse, dependent children, dependent parents, brother, sister or any other relatives living together with you. Besides offering basic coverage features like pre and post hospitalization, organ donor expenses, hospitalization costs, day care treatments, etc. ; the plan also allows an additional cover for Critical Illnesses at an extra premium under the same floater policy. Thus, the plan extends an all-round coverage protection to for you and your family members including relatives if any, that too at an affordable price.

Features of IFFCO Tokio Health Protector Health Insurance Policy

Check the features and coverage of IFFCO Tokio Health Protector Health Insurance plan below:

Ambulance Charges

Up to Rs. 500

Ayush Treatment

Ayush benefit up to Rs. 50000

Co-pay

No co-pay for 1st claim, 7.5% to 20% for subsequent claims.

Cover Restoration

100.0% of cover amount

Daily Cash Allowance

0.20% of daily sum insured per day for total hospitalization days

Day Care Procedures

121.0 procedures covered

IFFCO Tokio Health Protector Plan Resources

Policy Brochure

Exclusions of IFFCO Tokio Health Protector Health Insurance Policy

IFFCO Tokio Health Protector plan does not cover the following:

Maternity expenses

New born treatment

Opd expenses

Recovery allowance

Cosmetic surgery

Drugs / alcohol abuse

Calculate Health Protector Plan Premium

Use the IFFCO Tokio health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

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IFFCO Tokio Claim Settlement Ratio

89.38%

IFFCO Tokio

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. IFFCO Tokio has a claim settlement ratio of 89.38%, as compared to the industry average of 94.21%.

IFFCO Tokio Claim Process

IFFCO Tokio supports both cashless claims and reimbursement claims. This section covers the information on how to check IFFCO Tokio health insurance claim status, fill IFFCO Tokio health insurance claim form, and the claim settlement process.

Cashless claims are of two types:

  1. Cashless Claims procedure for Emergency Admission
  2. Cashless Claims procedure for Planned Admission
    • Step 1: Select a hospital from our list of network hospitals for treatment
    • Step 2: Intimate our Third-party administrator (TPA) through the Helpline Number before 3 days of admission, quoting your Health card Membership number
    • Step 3: Fill in the cashless request form which is available with the Hospital Insurance Help Desk and get it certified by your treating doctor
    • Step 4: Fax the cashless request form along with supporting medical records to the TPA
    • Step 5: The TPA will scrutinize the document and convey the decision to the hospital. The TPA could sanction the cashless request or call for additional documents if required
    • Step 6: On approval of a cashless claim by TPA, the hospital bills will be settled directly (subject to policy limits). Inadmissible amounts like telephone charges, food, attendant charges etc would have to be settled by you
    • Step 7: If the cashless claim is not approved by TPA, please settle the bill with the hospital and apply for reimbursement. The claim will be processed as per policy terms and conditions

Cashless Claims procedure for Emergency Admission:

  1. Step 1: In the case of network hospital, on admission, intimate the Third-party administrator (TPA) through their Toll-free no. Please quote your health card Membership number
  2. Step 2: Fill in the cashless request form which is available with the Hospital Insurance Help Desk and get it certified by your treating doctor
  3. Step 3: Fax the cashless request form along with supporting medical records to the TPA
  4. Step 4: The TPA will scrutinize the document and convey the decision to the hospital. The TPA could sanction the cashless request or call for additional documents if required
  5. Step 5: On approval of a cashless claim by TPA, the hospital bills will be settled directly (subject to policy limits). Inadmissible amounts like telephone charges, food, attendant charges, etc would have to be settled by you
  6. Step 6: If the cashless claim is not approved by TPA, please settle the bill with the hospital and apply for reimbursement. The claim will be processed as per policy terms and conditions

If you have not availed cashless facility in-network hospital or you have taken treatment in a hospital that is not a part of the network then you may submit your original documents for reimbursement

  1. Step 1: Intimate IFFCO-Tokio through the toll number - 1800 103 5499 immediately on admission not later than 7 days from the date of discharge. Please quote your Policy Certificate Number while intimating the claim
  2. Step 2: Avail treatment and settle all the bills with the hospital and then file a claim for reimbursement
  3. Step 3: Download the relevant claim form from our website (or) request for one through our call center. Claim documents may also be submitted to the local IFFCO TOKIO Office address which can be obtained by calling our Toll Number 1800 543 5499

If you need guidance on the claims process, you could also contact us through our Toll Numbers - 1800 543 5499

IFFCO Tokio Health Insurance Renewal Process

Online Renewal Process for IFFCO Tokio Health Insurance Policy

Follow these 3 simple steps to renew your IFFCO Tokio Health Plan online:

Step 1: Visit the Website of IFFCO Tokio General Insurance and click on the ‘renew’ option

Step 2: Choose your product and provide details of your policy, and make the premium payment online

Step 3: A confirmation email will be sent, verifying the successful transaction and policy renewal

Offline Renewal Process for IFFCO Tokio Health Insurance Policy

To renew offline, contact customer care at the toll-free number 1800-103-5499 or get in touch with one of their agents to share your health insurance requirements.Alternatively, visit the nearest IFFCO Tokio branch to conveniently renew your policy.
Another way to renew is with the help of Turtlemint and our expert insurance advisors. For instant policy renewal, visit www.turtlemint.com or renew your IFFCO Tokio Health Plan by downloading the Turtlemint App here.

IFFCO Tokio Customer Care

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