IFFCO Tokio Health Protector Plus Insurance

IFFCO Tokio Key Features of Health Protector Plus Insurance

• Room Rent :DCapped under the deductible of the plan
• Co-pay :Co-pay upto 25% on Room Rent for admission in higher room categories
• Restoration Benefit :Restoration upto Claim Amount subject to premium payable

• Term: One year
• Entry age: 18 to 65 years.Dependent children above 3 months can be covered when one of the parents is also covered.
• Top up or Super Top up: Chose whether you want the deductible to be applied per claim or an aggregate of all claims in a year.
• Sum Insured Options: 8 plans to offer you the widest possible range
• Family Floater or Individual Sum Insured o Lifelong renewal (if renewed without break)
• High coverage at low premium
• This policy can be purchased without any other basic health policy
• Waiver of Deductible in case of change/Loss of job: at a small additional premium.
• Option to buy standard health policy with continuity of benefits: We will provide you with a facility to buy our standard Health policy without deductible with continuity of coverage in terms of waiver of waiting periods to the extent of deductible opted under this Policy provided the Top Up/Super Top up health product has been purchased for the first time before 50 years of age and continuously renewed without break for a period of at least 4 years.
• Income Tax benefits under Section 80D.
• Cashless claim facility available at over 4000 network hospitals across India.
• Directly serviced by IFFCO TOKIO without any Third party administrator
• EMERGENCY ASSISTANCE SERVICES at no additional cost. We provide you with special assistance when You are traveling within India 150 kilometers or more away from your home.
• Portability: You can switch from any other similar policy of any other insurer to our Top up/Super Top Up policy and protect your continuity benefit as per IRDAI Guidelines.

IFFCO Tokio Coverages of Health Protector Plus Insurance

1. Room Rent (including Boarding and Nursing expense etc.
2. Medical Practitioner/ Anesthetist, Consultant fees.
3. Expenses on Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of transplantation of Organs and similar expenses.
4. Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.
5. Ayurveda and/or Homeopathy and/or Unani hospitalization expenses incurred in Government recognized hospitals. Coverage also includes pre-hospitalization and post hospitalization expenses.
6. Ambulance Charges as per actual or Rs.3000/- (Three Thousand) per claim; whichever is less.
7. An additional Daily Allowance amount equivalent to 0.10% of the Sum Insured for the duration of Hospitalization towards defraying of miscellaneous expenses.
8. The above stated relevant expenses incurred for Domiciliary Hospitalisation if Medically Necessary and at Reasonable and Customary Charges up to a maximum aggregate sub-limit of 20% (Twenty percent) of the Sum Insured.