Eligibility Criteria | |
---|---|
Entry Age | Adults – 18 years to 65 years Dependent Children : > 3 months subject to coverage for their parents also. Children can be covered upto 23 years of age |
Family Members who can be covered | Spouse / Dependent Children / Dependent Parents can be covered. Maximum Members that can be covered under the plan : 5 (Self, Spouse + 3 Dependent Children |
Benefits | Base Plan | Wider Plan |
---|---|---|
Cost of Health check | N/A | The Reimbursement shall not Exceed the amount equal to 1%of the average floater sum Insured during the block of 4 claims free years of Insurance with us |
Daily Allowance | ₹150 per day | ₹250 per day |
Post Hospitalization | Medical expenses up to 7% of Hospitalization expenses incurred up to maximum 30 days after Hospitalization maximum to Rs.7500 | Relevant medical expenses incurred up to 60 days after Hospitalization on Disease/ Illness/Injury sustained, which will be part of Hospitalization expenses claims |
Restriction on other hospital expenses in accordance with the room rent | Applicable | Not Applicable |
Ambulance charges | Rs.750/-or actual whichever is less for each claims | RS.1500/-or actual whichever is less |
Sub-limit per day for normal room expenses | 1.0% of the Sum Insured As per actuals for sum insured 3 lakh and above | 1.5% Basic Sum Insured As per actuals for sum insured 3 lakh and above |
Sub-limit per day for Intensive Care Unit Expenses | 2.0% of the Sum Insured As per actuals for sum insured 3 lakh and above | 2.5% of Basic Sum Insured As per actuals for sum insured 3 lakh and above |
Cumulative Bonus | N/A | Increased by 5% of the Basic sum Insured at Each Renewal In respect of each claims free year of insurance, subject to maximum of 50% of the Basic sum Insured |
Critical illness | N/A | Optional cover |
Limit Of Liability | Basic sum Insured |
|
Specified List Of Treatments have Expenses Limit Per Treatment Per Claims Or Actual Whichever is Less for Example Cararact, Piles Fistula, Tonsillities, Sinusities, Hernia, Knee/Hip Joint Replacement, etc. | Applicable | Not Applicable |
Free Look Up Period | 15 days |
No. The level of cover can only be changed at the renewal date. At that time, we will work with you to ensure any benefit level changes are appropriately adjusted.
Yes, we have negotiated with a large number of hospitals all over India to avail you best of medical facilities and have access to quality care when and where you may need it.
Yes, you may cancel your policy by telephoning us, by email or in writing (see contact us for details). You may cancel your policy during the 15 day free look period. This period commences on the day you receive your policy documentation. We will refund any premium paid at the date of cancellation deducting any charges we incurred towards your medical examination and the stamp duty charges and Proportionate risk premium if cover has already covered, provided you have not used any of the services available on your cover and no claims have been made. After the free look period, refunds will only be given if no incident has occurred which has led to an eligible claim, If you decide to cancel your policy before your renewal date and outside of the free look period, you must give us 7 days notice and you will be eligible for refunds on a pro rata basis.
Health insurance covers you and your family against expenses incurred in a medical emergency. With medical bills on the rise, insurance helps in reducing the financial burden during hospitalization. Also, the cases of critical illnesses and lifestyle-related ailments have increased rapidly. Health insurance allows you to be better prepared for such events. The premium that you pay for your health insurance is eligible for tax deduction under Section 80D of the Income Tax Act.
Review IFFCO Tokio Swasthya Kavacha Policy insurance brochure to understand coverage details.
Know more »Fill the online IFFCO Tokio Swasthya Kavacha Policy insurance proposal form.
Review IFFCO Tokio Swasthya Kavacha Policy policy wordings which explains the terms and conditions.
Know more »India health insurance tips and tricks to choose the best medical insurance in India Click here to read more
Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Know more »IFFCO Tokio Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 5,000+ Hospitals
Know more »Compare Indian health insurance policies, Health insurance India comparison
Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.
Know more »FAQ related to Indian health insurance. Get answers for any health insurance questions