What makes Iffco Tokio Swasthya Kavach Policy a Right Choice?
- People of any nationality can apply for the policy - if they are mainly a resident of India because the medical coverage is PAN India only
- Provides coverage to the proposer, spouse, and up to 3 dependent children, siblings, niece or nephew)
- For adults, the entry age is between 18 to 60 years
- And for children, it is between 3 months to 23 years of age at the time of inception of the policy
- The maximum age of renewability is up to 80 years
- If the age of the dependent children crosses 23 years then, he/she will be no longer be covered and will need a renewal in an individual plan
- No pre-medical check-up required up to the age of 60 years. If you are above 60 years, then you need to go through medical tests, blood sugar, ECG, Urine, etc.) before the policy purchase date. For some people, advanced tests like lipid profile, kidney functioning test, eco test are required
- Hospitalization will only be considered if the insured has been admitted for more than 24 hours unless the treatment is required for 121 specified day care procedures
What is the coverage amount?
The coverage amount ranges from Rs 2 lakh, Rs 3 lakh, Rs 4 lakh to Rs 5 lakh.
What are the exclusions under Iffco Tokio Swasthya Kawach Policy?
- Ay pre-existing disease before completion of 4 years of the policy term
- Any treatment taken in the initial 30 days from the date of policy inception, unless it is an accidental case
- Dental surgery or treatment, unless required for accidental injuries
- Cost of eyeglasses, contact lenses, or any type of hearing aids
- Dental treatment, unless requiring hospitalization
- Period of recovery, general weakness, congenital diseases are not considered
- Pregnancy-related complications unless it is an ectopic pregnancy
- Any expenses incurred on domiciliary hospitalization and out-patient treatment
- Purchase of external medical equipment’s
- Illness or injuries arising due to dangerous sports, profession or activities
- Medical expenses incurred on HIV/AIDS
- War conditions, terrorist activities, and nuclear attacks
- Obesity treatment and hormone replacement therapy
- Medical expenses incurred on naturopathy, experimental medications, acupressure, acupuncture, and similar treatments
This was a brief about the Iffco Tokio Swasthya Kavach health plan. It is a suitable plan for those who are looking for a health cover up to Rs 5 lakh. And in the same plan if you want to cover your spouse and children then it will be a right option. You can also buy this family health plan along with your employer’s health insurance policy to enhance the existing coverage amount.