The greatest wealth is health. Iffco Tokio family health insurance policy provides coverage against healthcare expenses in unfortunate event of illness. This policy gives cashless hospitalization benefit across 3000 network hospitals throughout India.
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Base plan: it covers pre-existing diseases after 4 years, day care treatments, vitamins and tonics for illness, dental surgery arising out of accident, transplant.
Wider plan: it covers health checkup after 4 years, cumulative bonus ranging from 5% to 50% on claim free renewals.
There are four sum insured options allowed under this policy ranging from Rs 2,00,000 to Rs 5,00,000. Premium will depend on the number of family members, sum insured chosen and age of the eldest person in the family. Premium can be calculated from the company’s premium calculator.
Minimum sum insured: Rs 2, 00,000
Maximum sum insured: Rs 5, 00,000
Coverage: self, spouse and two dependent children (below 23 years of age)
Policy period: Policy is issued for 1 year and need to be renewed after every one year.
Portability: Portability is allowed under this policy wherein the policyholder can switch from one insurer to another and cumulative bonus gained over the period will be transferred respectively.
Additional Riders or Features
Critical illness cover:For 10 defined critical illnesses, proposer can take critical illness coverage (doubling the sum insured) by paying an extra premium of 30% of basic premium.
Documents Required
Persons in the age slab of 3 months to 60 years can be covered. But proposer has to be in the age slab of 18 years to 60 years. The proposer coverage might continue till the age of 80 years on continuous renewal with the same company.
Plans |
Base plan |
Wider plan |
Daily allowance |
Rs 150 per day |
Rs 250 per day |
Ambulance charges |
Rs 750 |
Rs 1500 |
Limit of liability |
Basic sum insured |
Option I: basic sum insured+ cumulative bonus if earned Option II: basic sum insured+cumulative bonus+critical illness extension |
Sublimit for intensive care unit |
2% of sum insured |
2.5% of sum insured |
Exclusions |
Blood cancer, heart disease, renal failure |
covered |