All you need to Know about Iffco Tokio Swasthya Kavach Policy for your Family

Iffco Tokio Swasthya Kavach policy provides health coverage for a range of hospital expenses. In this policy, you can get yourself and your family members covered. There are two types of plan namely – basic and wider plan, based on the coverage that is offered in the plan. If you are planning to buy this policy for your policy then you can check out the details given below to make an informed purchase:

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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 Inclusions under Iffco Tokio Swasthya Kavach Base Plan?

      • Hospitalization expenses including room rent charges at 1.0% of the sum insured and ICU expense up to 2% of the sum insured on a daily basis
      • Hospital registration charges, service charges up to a limit of 0.5% of the basic sum insured
      • Nursing expenses, if advised by the medical practitioner during the hospitalization period
      • Fees charged by the medical practitioner, surgeons, doctors, specialists, consultants, anesthetists, etc.
      • Cost of medicines, oxygen support, blood units, anesthesia, medical and diagnostic tests, operation theatre charges, are reimbursed
      • Cost of chemotherapy, radiotherapy, pacemaker, dialysis, artificial limbs etc.
      • Ambulance charges up to a limit of Rs 750
      • Per day hospitalization cash allowance of Rs 150 per day
      • Up to 20% of domiciliary hospitalization expenses are reimbursed, which may require 3 days of hospitalization otherwise, but is taken at home due to certain specified reasons
      • 30 days of pre and post hospitalization expenses are covered. 7 percent of the sum insured or a maximum of Rs 7500 will be reimbursed for post-hospitalization expenses (exclusive of room rent)
      • Organ donor expenses shall be covered as well
      • You can choose from the prescribed hospital package charges for specific treatments, which can be reimbursed to a maximum of 80% of the sum insured or the actual expenses, whichever comes out to be less

      What are the Inclusions under Iffco Tokio Swasthya Kavach Wider Plan?

      • Hospitalization expenses, where the limit for room charges is kept at 1.5% of the basic sum assured and 2.5% for ICU charges
      • Hospital registration fees, service charges, other fees etc. subject to a maximum of 0.5% of the basic sum insured
      • Nursing expenses, incurred during both pre and post hospitalization period
      • Fees charged by medical practitioners including surgeon fees, anesthetist, etc.
      • Hospital charges levied on medicines, anesthesia, diagnostic and pathological tests, blood, oxygen, operation theatre, chemotherapy, dialysis, etc.
      • Limit to reimburse ambulance charges is up to Rs 1,500 only
      • Daily hospitalization allowance of Rs 250 per day
      • 20% of basic sum insured will be compensated in case of domiciliary hospitalization expenses, for medical treatment required for more than 3 days, which would have been a normal hospitalization, but due to specific reasons, it is kept at home. Sub-limits are applicable to this clause.
      • Pre-hospitalization expenses will be reimbursed for a maximum period of 30 days and post-hospitalization expenses shall be reimbursed for a maximum period of 60 days
      • Hospitalization expenses during organ transplantation shall be recompensed up to the sum assured limit or as specified in the policy
      • After completion of 4 claim-free years, the cost of health check-ups shall be reimbursed @ 1.0% of the average basic sum insured. Subjected to sub-limits as mentioned in the policy document.
      • As mentioned in the above plan, hospitalization expenses for a specific disease to be reimbursed at the rate of 80% of the sum Insured or the actual expenses, either of them appears to be less

      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.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL