IFFCO Tokio Hospital Cash Insurance Policy

IFFCO Tokio Hospital Cash policy is a health insurance plan that provides coverage for out of pocket expenses incurred during hospitalization due to a sickness or injury. It covers incidental expenses, such as consumables, conveyance charges, etc., which are not covered under regular health insurance.

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IFFCO Tokio Hospital Cash Insurance Policy

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

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    IFFCO Tokio Hospital Cash Policy Overview

    IFFCO Tokio Hospital Daily Cash policy provides a fixed cash benefit to the insured for each day of hospitalization resulting from an accidental injury or an illness. It offers double the daily hospital cash amount in case the insured is hospitalized in the ICU or Intensive Care Unit. It also provides a daily cash benefit for day care procedures and modern treatment methods & advancements in technologies.

    The IFFCO Tokio Hospital Cash policy comes with the hospital cash amount options of Rs 250/500/750/1000/1500/2500/5000 per day. On the other hand, it comes with the number of hospital cash days of 15/30/60/90/180 days.

    IFFCO Tokio Hospital Cash Policy Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    91 days (children)

    Maximum Entry Age

    65 years

    25 years (children)

    Coverage

    Individual/ Floater

    Hospital Cash Amount

    Rs 250/500/750/1000/1500/2500/5000

    Number of Hospital Cash Days

    15/30/60/90/180 days

    Policy Term

    1 year/ 2 years/ 3 years

    Pre-policy medical check-up

    Not required up to 55 years

    Pre-existing diseases waiting period

    4 years

    Renewability

    Lifelong

    Discount

    Family discount, Existing customer discount, Online/ walk-in discount

    Key Features of IFFCO Tokio Hospital Cash Policy

    Here are the key features and benefits of IFFCO Tokio Hospital Daily Cash policy:

    • It comes with a hospital cash benefit ranging from Rs 250 to Rs 5000 per day.
    • It offers individual as well as floater coverage.
    • It provides twice the daily cash amount if admitted to the ICU.
    • It also provides a cash benefit for day care procedures and modern treatments.

    Inclusions of IFFCO Tokio Hospital Cash Policy

    The following coverage is offered by IFFCO Tokio Hospital Daily Cash policy:

    • Hospital Daily Cash - Offers a hospital cash benefit every day if hospitalized due to an illness or accidental injury
    • ICU Daily Cash - Offers twice the daily cash benefit amount if admitted to the ICU
    • Day Care Surgery Cash - Offers a hospital cash benefit for one day if undergoing a covered day care procedure
    • Modern Treatment Cash - Offers a hospital cash benefit for each day of hospitalization due to modern treatment methods and advancement in technologies, such as oral chemotherapy, Stem cell therapy, etc.

    Exclusions of IFFCO Tokio Hospital Cash Policy

    The IFFCO-Tokio General Insurance Company Limited does not provide coverage for the following medical expenses:

    • Maternity expenses
    • Treatment of alcohol or drug addiction
    • Dental treatment
    • Injuries/illness due to participation in hazardous or adventure sports
    • Intentional self-injury or an attempt to suicide
    • Congenital anomaly
    • Sterility & infertility treatment
    • Regular preventive health check-up
    • Sexually transmitted diseases except for HIV AIDS

    The exclusions mentioned above are not all. Find the complete list of exclusions by referring to the IFFCO Tokio Hospital Daily Cash policy brochure.

    FAQs

    • Q. What are the waiting period under the IFFCO Tokio Hospital Cash policy? 

      The IFFCO Tokio Hospital Daily Cash policy comes with the following  waiting period:

      • Initial waiting period - 30 days
      • Pre-existing diseases - 48 months
      • Specific diseases/ procedures - 24/48 months
    • Q. Is there a way to reduce my IFFCO Tokio Hospital Cash policy premium?

      Yes. You can reduce your IFFCO Tokio Hospital Cash policy premium with the help of the following:

      • Family discount - 5% savings on premium if two family members and 10% savings on premium if three or more family members are covered under the same policy
      • Existing customer discount - 10% savings on premium if you already have an insurance policy by IFFCO Tokio General Insurance Company Limited
      • Online/ Walk-in discount - 10% savings on premium if you purchase the policy online or by visiting the nearest branch of the insurer

      Please note that you cannot avail more than a total of 25% savings on premium under the IFFCO Tokio Hospital Cash policy.

    • Q. Can I cancel my IFFCO Tokio Hospital Cash policy after buying?  

      Yes. You can cancel your IFFCO Tokio Hospital Cash policy after buying. If you cancel the policy during the free look period i.e. the first 15 days of policy commencement, then you would not have to pay any cancellation fee. But if you cancel your policy after the free look period, a cancellation fee will apply.

    • Q. Can I change my daily cash amount under the IFFCO Tokio Hospital Cash policy mid-term? 

      No. You cannot change your daily cash amount or number of hospital cash days under the IFFCO Tokio Hospital Daily Cash policy mid-term.

    • Q. Which documents should I submit to file a claim under the IFFCO Tokio Hospital Cash policy? 

      You must submit the following documents to raise a claim under the IFFCO Tokio Hospital Cash policy:

      • IFFCO Tokio claim form
      • Photo ID & age proof
      • Doctor’s prescription advising hospitalization
      • Diagnostic/ investigative test reports
      • OT notes
      • Copy of FIR, if applicable
      • Hospital discharge summary
      • NEFT details
      • KYC details (in case of a claim above Rs 1 lakh)

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