Iffco Tokio Health Insurance Top Up & Super Top up Plan

In such a situation, this Top-up and Super top-up plan will be utilized over and above the deductible limit. It is applied on an aggregate basis on the treatment availed during the policy term. With a sum insured option ranging from Rs 2 lakh to Rs 25 lakh, the policy covers the policyholder for in-patient hospitalisation expenses.

Moreover, the coverage is provided on both individual and family floater basis. Also, a deductible of premium waiver option is also available to the customers.

Iffco Tokio Health Top-up Eligibility Criteria

Key Benefits of Iffco Tokio Top-up Health Plan

Iffco Tokio health top-up policy comes with the following features and benefits:

• Iffco Tokio Health individual Policy covers the policyholder, his spouse, dependent children up to 25 years, and parents
• You can use the Iffco Tokio health premium calculator online to ascertain the various premium rates
• Moreover, you can purchase Iffco TokioHealth Top-up without having a basic health insurance plan
• One add-on benefit is Deductible of waiver, which means that deductibles can be waived off in case of change or loss of employment after paying a small additional premium
• Policyholders can opt for cashless claims over 6800 plus hospitals across pan India
• You can transfer your top-up plan from other insurers to Iffco Tokioand enjoy all the insurer's great benefits
• If policyholders are within the Indian Territory and are 150 km far from their home, they can ask for special emergency service at no cost
• The service provided by the insurer is through a direct channel with no involvement of any third party, which makes the entire experience seamless

Inclusions of Iffco Tokio Top-up Plan

Inclusions under the Iffco Tokio Protector Plus health top-up and super top-up policy are given below:

• In-patient hospitalization expenses such as the fees of a medical practitioner, anaesthetist, and consultant, expenses of oxygen, blood, operation theatre, x-rays, chemotherapy and radiotherapy, pacemaker, etc. are paid by the insurer
• Cost of treatment other than Allopathy, including Ayurveda, Homeopathy, and Unani under any recognized government centre
• Daily cash up to the limit of 0.10% of the sum insured for the miscellaneous expenses that occurred during treatment
• The cost of organ transplantation is covered under this Iffco Tokio health top-up and Super top-up plan
• Ambulance charges up to Rs. 3000 are payable
• Expenses of vitamins and tonic as mentioned in the form and approved by the attending medical practitioner
• 60 days of pre and 90 days of post hospitalization expenses are claimable
• Modern treatment procedures are recompensed

Exclusions of Iffco Tokio Top-up Plan

Under any circumstances, the policy doesn’t cover the following expenses incurred by the insured:

• Any injury caused while serving the armed or police forces or during a war or warlike situation
• Plastic or cosmetic surgery unless related to some injury or necessary for the treatment
• Dental procedures unless required for an accidental treatment
• Expenses related to maternity and related conditions
• Cost of unproven treatment or treatment, naturopathy, or other such related therapies
• Injury or disease occurred during the participation in adventurous sport
• Expenses of treatment under hospitals or medical practitioners not mentioned in the policy documents
• Charges of gender change/Surgery for weight or obesity reduction
• Sterility or fertility expenses
• Injury due to breaching the law with criminal intentions
• Injury or disease while getting exposure to nuclear or radioactive material

*For a complete list of exclusions, please check Iffco Tokio Health Top-up Plan Brochure*

Policyholders can look into Iffco Tokio Health Top-up Premium Chart for information about the premium rates on individual or family floater top-up and super top-up plans.

FAQs