IFFCO Tokio Health Insurance Waiting Period

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      IFFCO Tokio Health Insurance Waiting Period

      IFFCO Tokio health insurance waiting period is the timeframe that every policyholder has to serve in order to file a health insurance claim with the IFFCO-Tokio General Insurance Company. It can vary from one medical condition to another and differs for various IFFCO Tokio health insurance plans. However, no waiting period has to be served to file an accidental hospitalization claim with the insurance company.

      Types of IFFCO Tokio Health Insurance Waiting Period

      Check out the different types of waiting periods applicable to IFFCO-Tokio health insurance plans:

      1. IFFCO Tokio Health Insurance Pre-existing Diseases Waiting Period

        This waiting period should be served by the insured to pay for the medical expenses incurred on PED or pre-existing diseases, such as high blood pressure, obesity, diabetes, asthma, etc.

      2. IFFCO Tokio Health Insurance Initial Waiting Period

        The insured must serve this waiting period to file a non-accidental health insurance claim with the IFFCO-Tokio General Insurance Company.

      3. IFFCO Tokio Health Insurance Specific Waiting Period

        This type of waiting period needs to be served to pay for the medical expenses incurred on specific diseases and medical procedures, such as osteoporosis, cataract, varicose veins, hernia, sinusitis, etc.

      4. IFFCO Tokio Health Insurance Critical Illness Waiting Period

        Policyholders should serve this waiting period to claim the cost of treating critical illnesses, like heart attack, cancer, stroke, etc.

      5. IFFCO Tokio Health Insurance Diabetes and Hypertension Waiting Period

        This type of waiting period must be served to pay for the treatment of any disease aggravated by diabetes or hypertension.

      6. IFFCO Tokio Health Insurance Gender Reassignment Cover Waiting Period

        Policyholders need to serve this waiting period to pay for the cost of undergoing a gender reassignment surgery.

      7. IFFCO Tokio Health Insurance COVID-19 Treatment Waiting Period

        This waiting period should be served to pay for the cost of treating the coronavirus disease or COVID-19.

      8. IFFCO Tokio Health Insurance Pre-existing Disability Cover Waiting Period

        The insured must serve this waiting period to claim the medical expenses incurred on the treatment of a pre-existing disability.

      List of IFFCO Tokio Health Insurance Waiting Period

      Here are the various waiting periods that apply to health insurance plans offered by IFFCO-Tokio General Insurance Company:

      Type of Waiting Period Waiting Period Applicable IFFCO Tokio Health Insurance Plans
      Pre-existing Disease Waiting Period 2 years, 3 years All IFFCO Tokio Health Insurance plans, except for Corona Kavach and Surrogacy Protector plans
      Initial Waiting Period 30 days All IFFCO Tokio Health Insurance plans, except for Critical Illness Benefit and Corona Kavach plans
      Specific Waiting Period 1 year, 2 years, 3 years All IFFCO Tokio Health Insurance plans, except for Critical Illness Benefit, Corona Kavach and Surrogacy Protector plans
      Critical Illness Waiting Period 30 days IFFCO Tokio Critical Illness Benefit Plan
      Diabetes and Hypertension Waiting Period 90 days IFFCO Tokio Individual Health Protector Plan
      IFFCO Tokio Essential Health Protector Plan
      IFFCO Tokio Family Health Protector Plan
      IFFCO Tokio Health Protector Assure Plan
      Gender Reassignment Cover Waiting Period 2 years IFFCO Tokio Essential Health Protector Plan
      COVID-19 Treatment Waiting Period 15 days IFFCO Tokio Corona Kavach Plan
      IFFCO Tokio Corona Rakshak Plan
      Pre-existing Disability Cover Waiting Period 2 years IFFCO Tokio Health Protector for Persons with Special Needs Plan

      Note: The IFFCO Tokio health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

      Is It Possible to Reduce the IFFCO Tokio Health Insurance Waiting Period?

      IFFCO-Tokio General Insurance Company may provide policyholders with the option to reduce their waiting periods for pre-existing diseases by paying an additional premium. Therefore, policyholders are requested to reach out to the insurance company to find out if they can provide the option to reduce waiting periods.

      Things to Remember About IFFCO Tokio Health Insurance Waiting Period

      Take a look at the various things to remember about the IFFCO Tokio health insurance waiting period:

      • The insured does not have to serve any waiting period to raise a claim for accidental hospitalization under their mediclaim policy.
      • If a medical condition or illness is diagnosed after buying the IFFCO Tokio health insurance policy, it is not considered pre-existing.
      • Policyholders must serve the waiting period as well as the survival period before filing a claim under their critical illness insurance policy.
      • The insurance company may provide the option to reduce waiting periods under some plans.

      IFFCO Tokio Health Insurance Waiting Period: FAQs

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      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

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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.

      *₹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

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