IFFCO Tokio Health Protector Plus Policy

“Health is the greatest possession”. Iffco Tokio health protector plus policy provides protection to you and your family against high cost treatments in case of injury or illness like organ transplant, etc.

Key Features

  • A compulsory deductible has to be chosen by the policyholder.
  • Ambulance charges of Rs 3000 are allowed per claim or actual expenses whichever is less.
  • Room rent and nursing expenses are covered.
  • Domiciliary charges have a sublimit of 20% of sum insured.

Benefits

  • Cashless hospitalization benefit is available across 4,000 hospitals.
  • Income tax benefit under section-80D can be availed.
  • There is no third party involvement, it is directly serviced by IFFCO Tokio General Insurance.

Details about Premium

There are 8 plans available under this policy from which proposer can choose one plan.

Plan

A

B

C

D

E

F

G

H

Sum insured

2,00,000

4,00,000

5,00,000

5,00,000

7,50,000

10,00,000

15,00,000

25,00,000

Deductible

1,00,000

2,00,000

2,00,000

3,00,000

3,00,000

5,00,000

5,00,000

5,00,000

 

Premium will depend upon the age and plan chosen by the insured.

Policy Details

Minimum sum insured –Rs 2, 00,000

Maximum sum insured –Rs 25, 00,000

  • Coverage: Self, spouse and 2 dependent children above 3 months.
  • Policy period: This policy is valid for 1 year and after one year the insured has to renew the policy
  • Deductible: Deductible is the amount borne by the insured. There are two plans available for deductible .One is top up and another one is super top up. In case of top up deductible will be calculated per claim and in super top up deductible will be applied once for all the claims made in a year.In case you lose your employment or change your employment for 30/60/90 days, you can enjoy the full sum insured coverage without any deductible.
  • Portability: You can switch from one insurer to another and transfer the benefits that you have gained over the year. This should be done as per IRDA guidelines.

Documents Required

The proposer has to fill an application form to buy this policy. Insurance company can ask the proposer to submit his past medical history.

Eligibility Criteria

Proposer has to be in the age slab of 18 years to 65 years. Dependent children must be above 3 months.

Renewable age: This policy is renewable without any restriction on the age limit but there should not be any break in the policy.

Inclusions

  • It provides coverage for pre and post hospitalization expenses.
  • Homeopathy or ayurvedic treatment arising out of any unfortunate event is covered.
  • Expenses on tonics and vitamins are covered if it is a part of treatment.

Exclusions

  • Any expense arising out of (diseases like hernia, cataract, joint replacement etc.) for the first two years is not covered.
  • Expense of spectacles, hearing aids is not covered.
  • Dental treatment is not covered except arising out of an accident.
  • Maternity expenses are not covered.
Written By: PolicyBazaar - Updated: 12 October 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 0 Reviews)

Latest Health Insurance Articles

If I Buy top-up Health Insurance, What Should be my Policy Cover?

If I Buy top-up Health Insurance, What Should be my Policy Cover?

Why do you carry a Stepney or a spare tire in your car? So that you can use this spare tire as a stand-by in case one of the tires gets punctured. Similarly, a top-up health insurance plan acts as a Stepney to your med...
Updated: 20th January 2021
Are Wellness Benefits In Health Insurance Useful?

Are Wellness Benefits In Health Insurance Useful?

The real cost to insurance companies is low. It is not surprising to know that the impact achieved is low too. Let’s talk about this in detail. Last week Rhea called her insurer to inquire about the complementary health check-up benef...
Updated: 15th January 2021
10 Reasons why buying a Health Insurance in your 20s a Good Idea

10 Reasons why buying a Health Insurance in your 20s a Good Idea

In India, for a young person in his early 20s, availing a health insurance policy is imperative due to increasing health risks from a sedentary lifestyle. After COVID outbreak, the popularity and need of a health cover h...
Updated: 15th January 2021
High or Low Deductible Health Insurance - Which one to Opt for?

High or Low Deductible Health Insurance - Which one to Opt for?

There are so many health insurance plan options available that it gets difficult to understand all of them and their features. When you are purchasing a health insurance policy you might actually want to do some planning ...
Updated: 4th January 2021
Exploring Manipal Cigna Health Insurance and Claim Settlement

Exploring Manipal Cigna Health Insurance and Claim Settlement

As residents of a developing nation, we are exposed to the risk of contracting various illnesses. Despite thorough maintaining an active lifestyle, we are prone to various illnesses. A lot of factors such as pollution and f...
Updated: 4th January 2021
 
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL