IFFCO TOKIO Health Insurance
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IFFCO Tokio Health Insurance
IFFCO Tokio Health Insurance is offered by IFFCO-Tokio General Insurance Company Limited. The company was established in 2000 as a joint venture between India-based IFFCO and Japan-based Tokio Marine Group. It offers a wide variety of health insurance plans for individuals and families with customized coverage for mosquito-borne diseases, critical illnesses, etc.
Overview of IFFCO Tokio Health Insurance
IFFCO-Tokio General Insurance Company has a quick claim disbursal process that ensures the settlement of cashless claims within 24 hours. The company has earned an incurred claim ratio of 130.65% in the year 2021-22.
IFFCO Tokio Health Insurance Plans
IFFCO Tokio health insurance plans provide financial assistance to policyholders to pay for medical expenses incurred during an emergency. Check out the list of health insurance plans offered by IFFCO-Tokio General Insurance Company:
IFFCO Tokio Health Insurance Plans
Plan nameIFFCO Tokio Individual Health Protector Plan
For individuals
- Min. Age 91 days
- Max. Age65 years
- Min. Coverage Rs 50,000
- Max. CoverageRs 20 lakh
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For family
- Min. Age1 days
- Max. Age65 years
- Min. Coverage Rs 1.5 lakh
- Max. Coverage Rs 30 lakh
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For critical illness
- Min. Age3 years
- Max. Age65 years
- Min. CoverageRs 1 lakh
- Max. CoverageRs 1 crore
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For top up
- Min. Age3 months
- Max. Age 65 years
- Min. CoverageRs 2 lakh
- Max. CoverageRs 25 lakh
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For accidents
- Min. Age5 years
- Max. Age 70 years
- Min. Coverage-
- Max. Coverage-
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IFFCO Tokio Health Insurance Plans in Detail:
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IFFCO Tokio Family Health Protector Plan
The IFFCO Tokio Family Health protector plan has been designed to cover the medical expenses of the whole family on a floater sum insured basis. It comes with a sum insured ranging from Rs 1.5 lakh to Rs 30 lakh.
Features & Benefits:
- Coverage for hospitalization expenses and day care procedures are available
- Emergency assistance services and ambulance charges are covered
- Daily allowance benefit, vaccination cover and terrorism cover are available
- AYUSH treatment and domiciliary hospitalization are covered
- 5% cumulative bonus for up to 50% is available if no claim is raised
- Health check-up benefit is available after a block of four claim-free years
- Waiver of room rent limit and double sum insured for named critical illness benefits are available as add-on covers
- No pre-policy medical check-up is required for up to 45 years
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IFFCO Tokio Individual Health Protector Plan
The IFFCO Tokio Health Protector plan covers an individual against medical emergencies arising out of an accident or illness. The sum insured amount varies from Rs 50,000 to Rs 20 lakh.
Features & Benefits:
- In-patient hospitalization and domiciliary hospitalization expenses are covered
- Coverage for 11 critical illnesses and 12 modern treatments are available
- AYUSH hospitalization, ambulance charges and vaccination expenses are covered
- Terrorism cover, emergency assistance services and daily allowance cover are also available
- 100% reinstatement of the sum insured is available
- Cost of medical check-ups are covered after every 4 claim-free years
- 5% cumulative bonus for up to 50% is granted if no claim is raised
- No pre-policy medical check-up is required for up to 45 years
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IFFCO Tokio Health Protector Plus Plan
The IFFCO Tokio Health Protector Plus plan offers a top-up and super top-up plan to the insured that comes with a compulsory deductible. While the sum insured ranges from Rs 2 lakh to Rs 25 lakh, the deductible ranges from Rs 1 lakh to Rs 5 lakh.
Features & Benefits:
- In-patient hospitalization, AYUSH hospitalization and domiciliary hospitalization are covered
- Ambulance cover, organ donor cover and daily allowance cover are available
- Both pre-hospitalization and post-hospitalization expenses are covered
- Modern treatments and day care treatment covers are available
- Emergency assistance services are also covered
- No medical check-up for up to 45 years
- Waiver of deductible and loss of job cover are available as optional covers
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IFFCO Tokio Swasthya Raksha Bima
The IFFCO Tokio Swasthya Raksha Bima has been designed to provide medical coverage to people staying in small cities and towns. It is available for a sum insured ranging from Rs 1 lakh to Rs 5 lakh.
Features & Benefits:
- In-patient hospitalization and domiciliary hospitalization are covered
- Pre-post hospitalization and daily allowance are available
- Ambulance charges, organ donor expenses and AYUSH hospitalization are covered
- Emergency assistance services are also available
- No pre-acceptance medical check-up for up to 45 years
- Reinstatement of the sum insured is available
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IFFCO Tokio Critical Illness Benefit Plan
The IFFCO Tokio Critical Illness Benefit plan takes care of the financial liabilities of the insured resulting from the diagnosis of 25 critical illnesses. The sum insured ranges from Rs 1 lakh to Rs 1 crore.
Features & Benefits:
- Lump sum benefit is paid on the diagnosis of the critical illnesses
- No pre-policy health check-up is required for up to 50 years
- A survival period of 28 days is applicable
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IFFCO Tokio Hospital Daily Cash Plan
The IFFCO Tokio Hospital Daily Cash plan has been designed to cover out-of-pocket expenses incurred during hospitalization, such as the cost of consumables, food, conveyance, etc. The sum insured under this plan ranges from Rs 250 per day to Rs 5000 per day.
Features & Benefits:
- Cash allowance is paid for each day of hospitalization
- Twice the daily cash amount is paid for ICU hospitalization
- Day care procedures and modern treatments are also covered
- Coverage period varies from 15 days to 180 days
- No pre-policy health check-up is required for up to 55 years
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IFFCO Tokio MOS-BITE Protector Plan
The IFFCO Tokio MOS-BITE Protector plan provides coverage for the treatment cost of vector-borne diseases, such as malaria, dengue, Zika virus, etc. It comes with a sum insured ranging from Rs 5000 to Rs 1 lakh.
Features & Benefits:
- Lump sum amount is paid on the diagnosis of a vector-borne disease
- Coverage is available after 48 hours of hospitalization
- No pre-policy health check-up is required
- A waiting period of 30 days is applicable
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IFFCO Tokio Personal Accident Grand Plan
The IFFCO Tokio Personal Accident Grand plan provides financial support to the insured in case he/she meets with an accident.
Features & Benefits:
- Coverage for accidental death and disablement are available
- Cost of supporting items, damaged clothes and travelling are covered
- Education fund and loss of employment cover are available
- Ambulance charges and the cost of carrying the dead body are also covered
- Modification allowance and hospital cash are available
- Terrorism cover is also available
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IFFCO Tokio Comprehensive Accident Hospitalization Plan
The IFFCO Tokio Comprehensive Accident Hospitalization plan provides medical coverage to the insured during accidental hospitalization.
Features & Benefits:
- Cost of in-patient hospitalization due to an accident is covered
- Outpatient managed fracture benefit is available
- Ambulance service charges are also covered
- Hospital cash and post-hospitalization medical benefit are available
- Education fund cover and emergency assistance services are also available
Why Should You Buy IFFCO Tokio Health Insurance Plans?
Here are some of the reasons why you must buy IFFCO Tokio health insurance plans:
- No Pre-policy Medical Tests – Most IFFCO Tokio health insurance plans do not require fresh applicants to undergo a medical check-up before buying the policy.
- 24x7 Claim Assistance – The company has a well-equipped customer support team, which is available to assist policyholders anytime anywhere.
- Emergency Assistance Services – These plans also offer emergency assistance service within India that consists of medical evacuation, medical repatriation, return of mortal remains, etc.
- Fast Settlement of Claims – The insurer follows a quick claim settlement process that settles all cashless claims within 24 hours.
- Tax Benefits – The premium amount paid by the policyholder to buy this policy is available for tax deductions under the Income Tax Act, Section 80D.
How to File a Claim with an IFFCO Tokio Health Insurance Plan?
Check out the procedure to file a cashless claim with IFFCO Tokio health insurance:
- Intimate the TPA - Inform the third party administrator (TPA) of IFFCO-Tokio General Insurance Company about your hospitalization and quote your health card membership number. The TPA should be intimated about the planned hospitalization at least 3 days in advance.
- Get the Cashless Request For - Get a cashless treatment request form from the insurance helpdesk of the network hospital, fill it and get it certified by the treating doctor.
- Submit the Documents to the TPA - Fax the filled-in cashless treatment request form as well as the supporting medical documents to the TPA.
- Cashless Treatment Approval - The TPA will verify your documents and will approve the cashless treatment request as per the coverage level of your health policy.
- Claim Settlement - The TPA will settle the medical bills directly with the network hospital after your discharge.
In case of reimbursement claims, inform the TPA about your hospitalization within 7 days and pay all the medical bills at the time of discharge from the hospital. Submit the required documents to the TPA. The documents will be reviewed and the claim amount will be paid to you within 20 days of receiving them.
Documents Required for IFFCO Tokio Health Insurance Claim
Take a look at the list of documents required to raise an IFFCO Tokio health insurance reimbursement claim:
- IFFCO Tokio health insurance claim form
- Doctor’s certificate
- Hospital discharge certificate
- Hospital bills
- Medical prescriptions
- Diagnostic test reports, such as X-rays, ECG, etc.
- Advance and final bill payment receipts
IFFCO Tokio Health Insurance Network Hospitals
IFFCO-Tokio General Insurance Company allows all its customers to avail cashless treatment facilities at its network hospitals across India. Here is a list of IFFCO Tokio health insurance network hospitals located in different cities of India:
How to Buy IFFCO Tokio Health Insurance Plans?
The process to buy an IFFCO Tokio health insurance plan is given below:
Step 1: Go to the website of Policybazaar Insurance Brokers Private Limited
Step 2: Select the ‘Health Insurance’ icon on the page and choose the people to be insured
Step 3: Enter the requested details, including the age, gender, city, phone number, etc.
Step 4: Select if you have any pre-existing diseases
Step 5: Choose the IFFCO Tokio health insurance plan to be purchased and pay its premium amount
Step 6: The insurance company will send your policy document.
How to Renew IFFCO Tokio Health Insurance Plans?
Take a look at the steps for IFFCO Tokio health insurance policy renewal:
Step 1: Log in to the website of Policybazaar Insurance Brokers Private Limited
Step 2: At the top of the page, go to the ‘Renew Your Policy’ tab and click on ‘Health Renewal’
Step 3: Enter the registered mobile number and the OTP received
Step 4: First-time Policybazaar users can click on the ‘health insurance’ icon on the homepage and provide the requested details
Step 5: Select the health insurance plan to be renewed and pay its premium
Step 6: IFFCO-Tokio General Insurance Company will renew your policy
How to Calculate IFFCO Tokio Health Insurance Premium?
The premium of an IFFCO Tokio health insurance plan can be calculated with the help of a health insurance premium calculator. Check out the following IFFCO Tokio health insurance premium calculator to check the premium for any health plan.
Contact Details of IFFCO Tokio Health Insurance
Here are the contact details of IFFCO-Tokio General Insurance Company:
| Categories | Contact Details |
| Toll-free No | 1800-103-5499 |
| Phone No | 0124 428 5499 |
| Email Id | websupport@iffcotokio.co.in |
IFFCO Tokio Health Insurance FAQs
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Q1: What is the claim settlement ratio of IFFCO Tokio health insurance?
Ans: IFFCO Tokio health insurance has earned a claim settlement ratio of 95.82% in FY 2020-21.
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Q2. Is IFFCO Tokio good for health insurance?
Ans: Yes. IFFCO-Tokio General Insurance Company offers a variety of health insurance plans to cater to the health needs of different individuals. They have customized plans to cover critical illnesses and vector-borne diseases.
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Q3. Where can I get IFFCO Tokio health insurance hospital list?
Ans: You can find the network hospital list of IFFCO Tokio General Insurance Company with the health insurance policy document issued by the insurer. You can check the IFFCO Tokio health insurance network hospitals in different cities at Policybazaar.com.
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Q4. How can I check the premium of an IFFCO Tokio health insurance plan?
Ans: You can check the IFFCO Tokio health insurance premium chart to know the premium payable for a health plan. Alternatively, you can calculate the estimated premium of a plan on Policybazaar.com using an IFFCO Tokio health insurance premium calculator.
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Q5. What is the process for an IFFCO Tokio health insurance policy download?
Ans: You can download your IFFCO Tokio health insurance policy from the insurer’s website. But if you purchased your policy from Policybazaar.com, you can download it from their website as well.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
IFFCO TOKIO Health Insurance Plans
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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