IFFCO Tokio vs Godigit Health Insurance

Compare IFFCO Tokio vs Godigit Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Get insurance updates
IFFCO Tokio Godigit
Claims Settlement Ratio ** 102.43% 60
Number of Lives Covered * 22,015,000 --
Network Hospitals 5,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
IFFCO Tokio IFFCO Tokio IFFCO Tokio IFFCO Tokio Godigit Godigit
Family Health Protector Swasthya Kavacha Policy Individual Medishield Policy Swasthya Raksha Bima Digit Health Care Plus Digit Health Plus
In-patient Treatment
Individual Health Protector: Covered.
Family Health Protector: Covered.
Not covered Not covered Not covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured.
Base plan: 1.0% of the sum insured.
Wider plan: 1.5% of basic sum insured.
Covered up to a specified limit. Normal Room expenses: 1% of the Sum Insured per day
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured
Base plan: 2.0% of the sum insured.
Wider plan: 2.5% of the sum insured.
Covered up to a specified limit. Sub limit per day for ICU : 2.0% of the Sum Insured per day. Covered Covered
Pre-hospitalization
Individual Health Protector: Up to 45 days.
Family Health Protector: Up to 45 days.
30 days before hospitalization Covered Up to 60 days Covered Up to 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Individual Health Protector: Up to 60 days.
Family Health Protector: Up to 60 days.
30 days after hospitalization Covered Up to 60 days Covered Up to 30 days
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Up to 121 day care surgeries covered. Defined day care surgeries.
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Individual Health Protector: up to 20% of the sum insured are covered
Family Health Protector: up to 20% of the sum insured are covered
Maximum sub-limit of 20% of the basic sum insured. Maximum sub-limit of 20% of the basic sum insured. Covered up to a max sub-limit of 20% of sum insured.
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
Individual Health Protector: 1% of sum insured or Rs. 2500, whichever is less.
Family Health Protector: 0.75% of sum insured or Rs. 2500, whichever is less.
Base plan: Rs.750 or actual, whichever is less for each claim.
Wider plan: Rs.1500 or actual, whichever is less .
1% of sum insured up to a maximum of Rs.1500. Maximum to Rs.750 for each admissible claim.
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Individual Health Protector: Not covered
Family Health Protector: Not covered
Covered Not covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Individual Health Protector: Covered
Family Health Protector: Covered
Covered This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured. Actual within the overall limit of Sum Insured
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Individual Health Protector: Up to 10% of total premium paid at end of block of 2 continuous, claim free policies.
Family Health Protector: Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies.
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Individual Health Protector: 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Family Health Protector: Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Not Available This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years. Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Individual Health Protector: 0.20% of sum insured.
Family Health Protector: 0.15% of sum insured, subject to a maximum of Rs. 1,000.
Base plan: Rs.150 per day
Wider plan: Rs.250 per day
Covered up to a maximum Rs. 250 per day during hospitalization. Rs.150 per day of Hospitalization.
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable. 35% Co-pay if the insured person undergoes medical treatment in Zone A Cities/Towns
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Individual Health Protector: Not covered
Family Health Protector: Not covered
Pre-existing diseases covered after 4 years of continuous coverage with us. Any pre-existing disease for a period of 3 years is not covered. Covered after 4 years of continuous coverage.
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days Not covered Not covered Not covered
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
Individual Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Family Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Base plan: N/A
Wider plan: Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured
5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal.
Not covered
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Individual Health Protector: Rs.50,000 to Rs.20 Lakh.
Family Health Protector: Rs.1.5 Lakh to Rs.30 Lakh
Rs.2 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. Rs.50, 000 to Rs.5,00,000. Rs.1 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh.
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
-- -- 1 years 1 years
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Daily cash allowance of 1% of sum insured up to a maximum of Rs.250 is available in this plan. Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Claims loading
No Loading No Loading No Loading No Loading No Loading No Loading
Portablity
(At the time of renewal)
Yes Yes Yes No Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Health Insurance Priority

India health insurance blogs and articles

Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

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

India health insurance useful links

How to buy online?

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 »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Portability

Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025