IFFCO Tokio Protector Family Insurance India, Buy IFFCO Tokio family health insurance policy Online

IFFCO Tokio Individual Health Insurance Benefits

IFFCO Tokio Key Features of Individual Health Protector Insurance
- Room Rent :Daily Limit upto 1.75% of SI (5 lacs / NIL for plans of SI ) 5 lacs
- Co-pay :Co-pay upto 40% on Room Rent for admission in higher room categories
- Restoration Benefit :Restoration upto Claim Amount subject to premium payable
- Coverage with flexible Sum Insured Options ranging from ₹50,000 to ₹20 lacs on an individual basis.
- Critical Illness Coverage upto ₹20 lacs.
- Coverage for Pre and Post-hospitalization expenses.
- Coverage is provided for Ambulance charges.
- Coverage for Critical Illness & Emergency Assistance Services is provided.
- 121 Surgical Procedures are covered under the policy.
- Vaccination and health check-up charges are covered.
- Coverage for alternate treatments like Ayurveda, Homeopathy, Unani, Sidha, etc.
- Policy covers hospitalization expense including the Room Rent, Nursing expenses, Doctor’s fees, medicine expenses, Medical tests fees, etc.
- Large network of 5000+ Hospitals across India.
- Lifelong Renewability of all policies offering peace of mind given that in present times the health care costs are rising every day.
- In-House Claim Team: All claims filed under this plan directly attended to by IFFCO’s in-house team. This helps in saving vital time and money while filing claims for hospitalization expenses and quicker support.
- Portability : An insured can switch their existing Health Policy to IFFCO’s Individual Health Protector with ensured continuity of coverage

IFFCO Tokio Eligibility of Individual Health Protector Insurance

Eligibility Criteria
Entry Age	Adults – 18 years to 65 years Dependent Children : > 91 days subject to coverage for their parents also
Family Members who can be covered	Spouse / Relatives Living Together /Dependent Children / Dependent Relative staying anywhere in India / Dependent Patents

IFFCO Tokio Coverages of Individual Health Protector Insurance

Coverages under Individual Health Protector
Hospitalisation Expenses	The policy covers Room Rent / ICU Limits as defined – the same can be waived with paying an additional premium @6% Registration, Service Charge, Surcharge etc Medical Practitioner, Anaesthetist, Consultant and Surgeon’s Fees Anaesthesia, Blood, Oxygen, Operation Theatre (OT), Surgical Appliances etc Vitamins and Tonics forming part of the treatment
Room Rent, Boarding & Nursing Charges Sub Limit	Upto 20% of Total Sum Insured Subject to If sum insured is above ₹ 5, 00,000/- then actuals as per the Invoice If sum insured is ₹5, 00,000/- and below Class A cities: - up to 1.75 % of the sum insured Other cities : - up to 1.50 % of the sum insured
ICU / Therapeutic Expenses	Class A cities: - up to 3.00% of the sum insured Other cities : - up to 2.50% of the sum insured
Domiciliary Hospitalisation Expenses	Covered upto 20% of Sum Insured
Organ Donor Expenses	Covered
AYUSH Treatment	Covered (Ayurveda, Homeopathy, Unani, Sidha)
Daily Allowance	0.20% of Sum Insured
Ambulance Charges	1% of Sum Insured subject to a maximum of ₹2,500
Pre Hospitalisation	Insured is covered upto 45 days
Post Hospitalisation	Insured is covered upto 60 days
Cumulative Bonus	Cumulative Bonus shall be increased by 5% (five percent) of the basic sum insured at each renewal in respect of each claim free year of insurance, subject to maximum of 50% (fifty percent) of basic sum insured of the expiring policy.
Cost of Health Check Up	The reimbursement shall not exceed 1% of the Basic Sum Insured during the block of four claim free policy years
Vaccination Expenses Covered	Upto 10% of Total Premium Paid at the end of block of two claim free years Day Care Surgeries Covered
Hospitalisation > 12 hours but less than 24 hours	Entitlement @50% of the Room Rent per day
Critical Illnesses Covered	Cancer of specified severity Coma of specified severity Major Organ /Bone Marrow Transplant Stroke Resulting in Permanent Symptoms First Heart Attack - of specified severity Motor neurone disease with permanent symptoms Open Chest CABG Permanent Paralysis of Limbs Open Heart Replacement or Repair of Heart Valves Kidney Failure Requiring Regular Dialysis Multiple sclerosis with persisting symptoms
Free Look Period	15 days
Premium Discounts	5% Family Discount on covering 2 members 10% Family Discount on covering 3 or more members 10% Existing Customer Discount if the insured is holding any other policy with IFFCO Tokio at the same time
Renewability	Lifelong Renewal. However policy to be renewed within Renewal Date (or within maximum of 30 days from expiry date) to ensure continuity of all benefits are intact.

Emergency Assistance Services Provided by IFFCO under the Policy (at No Extra Cost)
Emergency Medical Evaluation The insured will have access to fully functional operations centre with multilingual staff working 24x7, 365 days a year to deal with emergency situations. Qualified medical personnel are there for consultation and evaluation of your situation and then refer the case to suitable doctors in the vicinity.

Emergency Medical Evacuation If according to the attending physicians or consultants, there is a medical emergency and no other suitable medical facility is nearby for treatment, then IFFCO representative will arrange for you emergency evacuation to the nearest medical centre with required facilities, through appropriate means of transport.

Medical Repatriation If necessitated by the insured’s medical condition according to our physicians and consultants, IFFCO will arrange to repatriate the insured to the registered address as per the policy schedule through suitable means of transportation as suggested by our doctors for travelling. If it is not possible to repatriate using normal air carrier, they shall arrange for the repatriation through air ambulance along with medical supervision.

Emergency Message Transmission IFFCO representative will act as the point of contact between the insured’s family members if the insured is unable to do so due to your medical condition.

Transportation to join the patient IFFCO will provide a nominated family member or friend with a round-trip economy class fair through a common carrier to the airport nearest to the hospital. This facility will be available if the insured is travelling alone and had been hospitalized for over one week continuously.

Emergency Cash Coordination If there is an emergency need for cash and the insured has arranged for the funds but do not know how to transfer them urgently, then our representative will organize the transfer of cash. It should be noted that arrangement of the funds is responsibility of the insured.

Transportation and Care for minor children If due to your serious medical condition, the insured’s minor children have been left unattended, IFFCO representative shall arrange for shifting the minor children to the house of a nominated friend or family member living in the same city. If required, they shall also arrange for an attendant to accompany the children during transportation. Return of Mortal Remains: - In an unfortunate scenario of death of any insured person, IFFCO representative will pay for all the expenses necessary to return the mortal remains to the registered address including obtaining all legal clearances, completing all documentation, obtaining a death certificate and arranging for a casket for safe transit.

IFFCO Tokio Health Insurance Review

Sum Insured

15 lacs − 30 lacs options available

Claims settlement ratio **

98.71%

Incurred claims ratio

102.00%

Number of policies issued *

4,29,834

Number of lives covered *

17,672,266

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Maximum family floater coverage

Self, Spouse + dependent (children + parents)

List of network hospitals

7,500+ hospitals

IFFCO Tokio Health Insurance tenure options

1 year

IFFCO Tokio Individual Health Protector Insurance

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Key highlights of IFFCO Tokio Individual Health Protector Insurance

IFFCO Tokio Health Insurance Review

IFFCO Tokio Individual Health Insurance Benefits

IFFCO Tokio Key Features of Individual Health Protector Insurance

IFFCO Tokio Eligibility of Individual Health Protector Insurance

IFFCO Tokio Coverages of Individual Health Protector Insurance

Emergency Assistance Services Provided by IFFCO under the Policy (at No Extra Cost)

IFFCO Tokio Health Insurance FAQ’s

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