IFFCO Tokio vs SBI General Health Insurance

Compare IFFCO Tokio vs SBI General 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 SBI General
Claims Settlement Ratio ** 102.43% 62.73%
Number of Lives Covered * 22,015,000 27,48,000
Network Hospitals 5,000 + 6,000 +
  • * 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 SBI General SBI General SBI General SBI General
Family Health Protector Swasthya Kavacha Policy Individual Medishield Policy Swasthya Raksha Bima Retail Health Arogya Premier Arogya Plus Arogya Sanjeevani
In-patient Treatment
Individual Health Protector: Covered.
Family Health Protector: Covered.
Not covered Not covered Not covered Covered Covered Covered 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 1% of sum insured per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
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. 2% of sum insured per day Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
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 Up to 30 days Up to 60 days Up to 60 days 30 days before the date of admission to the hospital
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 Up to 60 days Up to 90 days Up to 90 days 60 days after discharge from the hospital
Day Care Procedures
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Up to 121 day care surgeries covered. Defined day care surgeries. 142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
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. 20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Not 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. 1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation.
Dental Treatment
Individual Health Protector: Not covered
Family Health Protector: Not covered
Covered Not covered Not covered Covered Covered Covered Dental treatment necessitated due to disease or injury
Bariatric Surgery
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Not covered Not covered Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered Covered Covered
Maternity Benefits
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule. Not Covered
New Born baby cover
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Not Covered Not Covered Not Covered Not Covered
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 Covered Covered Not Covered Not Covered
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 Not Covered Not Covered Not Covered Not Covered
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 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered Not 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. Not Covered Not Covered Not Covered Not 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 No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co-pay applicable on all claims
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. Covered after 4 years of continuous coverage Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years
Restore Benefit
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
General waiting period
30 days Not covered Not covered Not covered 30 days 30 days 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 5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured
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.
Not Covered Up to Rs.100,000 Not Covered Not Covered
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. Rs.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
-- -- 1 years 1 years 1/2/3 years 1/2/3 years 1/2/3 years 1 year
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 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 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 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 Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period Not Covered Not Covered Not Covered
Claims loading
No Loading No Loading No Loading No Loading No Loading Loading Loading No Loading
Portablity
(At the time of renewal)
Yes Yes Yes No Yes Yes 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 Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025