Compare IFFCO TOKIO Health Insurance Plans

IFFCO-Tokio-General-Insurance-Company

IFFCO Tokio General Insurance Company

About Company

IFFCO Tokio General Insurance Company Limited came into existence in the year 2000 after the joint venture between Tokio Marine, Indian Farmer’s Fertilizers Co-operative and Japan’s largest listed insurance group Nichido Fire Group.

The Company aimed to provide the customers with utmost satisfaction through thetransparent working procedure and quick response. IFFCO Tokio GIC Ltd. offers an array of customised insurance plans for a diverse range of clients. From farmers to automobile companies, retail to corporate workplaces, the Company has various insurance plans for one and all. Apart from the commonplace insurance policies, it provides insurance in fine arts, errors and omission policy as well as credit insurance and so on.

IFFCO Tokio General Insurance Company is unique as it owns a completely personal distribution channel, called IFFCO-Tokio Insurance Services Ltd. (ITIS).

Overview of the Different Policies

The varied range of policies provided by IFFCO GIC Ltd. are:

  • IFFCO Tokio Health Insurance
  • IFFCO Tokio Car Insurance
  • IFFCO Tokio Two-wheeler Insurance
  • IFFCO Tokio Home Insurance
  • IFFCO Tokio Travel Insurance
  • IFFCO Tokio Personal Accident Insurance

IFFCO Tokio Health Insurance

As the old saying goes, Health is Wealth, so it is our duty to treasure it. With increasing sedentary way of lifestyle, every second person of this generation is suffering from some or the other disease. We cannot imagine our lives without opting for a health insurance plan because of the soaring price of hospitalisation and medical aids. IFFCO Tokio through its comprehensive plans can relieve your pockets and keep your mind at peace by providing the best health insurance policy, tailored just for you.

SwasthyaKavach- Family Health Insurance

Entry Age: No limit
Sum Assured: 2 to 5 lakhs
Critical Illness: N/A

  • The important features of this plan are given as follows:
  • The plan is applicable for treatment expenses and medical expenses suffered in India.
  • Can apply if the person is aged between 3 months and 80 years.
  • Expenses of room rent covered (1.0% of basic sum insured daily).
  • Expenses of ICU and ITU rent covered (2.5% of basic sum insured daily).
  • Expenses of registration, service charges, surcharge etc. covered (0.5% of basic sum insured daily).
  • Expenses incurred due to pre and post hospitalisation and nurse charges are covered.
  • Expenses of consultancy options, surgeon, anaesthetist etc covered.
  • Covers daily allowance charges of maximum Rs 150 when a patient is hospitalised.
  • Covers ambulance charges (whichever is higher between 1.0% of basic sum insured or Rs750).
  • Covers cost of medical aids, blood, oxygen, diagnostic and pathological tests, operation theatre charges, chemotherapy, and so on.
  • Domiciliary treatment charges are reimbursed for 3 days.
  • Covers expenses of particular ailment package charges of thehospital.
  • Covers expenses for organ donation.

Individual Medishield Policy

Entry Age: 3 months to 80 years
Sum Assured:1 to 5 lakhs
Critical Illness: N/A

  • Some of the features are as follows
  • Covers the expenses of physical injury treatment.
  • The plan is applicable for treatment expenses and medical expenses suffered in India.
  • Expenses of room rent covered (1.0% of basic sum insured daily).
  • Expenses of ICU and ITU rent covered (2.5% of basic sum insured daily).
  • Expenses of registration, service charges, surcharge etc. covered (0.5% of basic sum insured daily).
  • Expenses incurred due to pre and post hospitalisation and nurse charges are covered.
  • Expenses of consultancy options, surgeon, anaesthetist etc covered.
  • Covers daily allowance charges of maximum Rs 150 when a patient is hospitalised.
  • Covers ambulance charges (whichever is higher between 1.0% of basic sum insured or Rs750).
  • The plan covers all the expenses of medical aids and requirements such as oxygen, chemotherapy, dialysis, blood, diagnostic and pathological tests and so on.
  • Domiciliary treatment charges are reimbursed for 3 days.
  • Covers expenses of particular ailment package charges of thehospital.
  • Covers expenses for organ donation.
  • You can receive a discount in premium in case you add your spouse, dependent children and dependent parents in Family Package cover plan.
  • Dependent children are considered as unmarried persons till twenty-three years.
  • Covers expenses of health check-up at the end of four claim free years.

Critical Illness Insurance Policy

Entry Age: N/A
Sum Assured:No limit
Critical Illness: Applicable for critical illness

  • The key features of the plan are
  • A complete medical cover comprising of all medical expenses suffered during any critical illness.
  • Critical illness such as renal failure, cancer, coronary artery disease, cerebral attacks, major organ transplant, and accident injuries are covered.
  • Provides cashless facilities at the network hospitals.

Family Health Protector Policy

Entry Age: No limit
Sum Assured:Up to 7 lakh
Critical Illness:N/A

  • The important features of the policy are as follows
  • Does not require any traditional basic health plans.
  • It is a short-term plan for one year.
  • The policyholder is provided with theflexibletop-up plans such as Top up and SuperTop-up.
  • The policyholder can choose a particular plan out of 8 options based on individual or group requirement.
  • Provides the facility for lifetime renewal.
  • Provides cashless facility in over 4000 network hospitals.
  • The plan does not include any third party administrator.
  • Provides portability scheme to the insured.
  • Covers room rent charges for the hospitalisation period.
  • Covers expenses of adoctor, anaesthetist, and other consultation charges.
  • Covers the expenses of Vitamins and tonics, provided it is suggested by the physician.
  • Ambulance charges are covered.
  • An additional Daily Allowance charge is provided.
  • Covers the expenses of treatment done in Government recognised Ayurveda, Homeopathy or Unani centres.

Family Health Protector Policy

Entry Age: No limit
Sum Assured:Up to 7 lakh
Critical Illness:N/A

  • The important features of the policy are as follows
  • Does not require any traditional basic health plans.
  • It is a short-term plan for one year.
  • The policyholder is provided with theflexibletop-up plans such as Top up and SuperTop-up.
  • The policyholder can choose a particular plan out of 8 options based on individual or group requirement.
  • Provides the facility for lifetime renewal.
  • Provides cashless facility in over 4000 network hospitals.
  • The plan does not include any third party administrator.
  • Provides portability scheme to the insured.
  • Covers room rent charges for the hospitalisation period.
  • Covers expenses of adoctor, anaesthetist, and other consultation charges.
  • Covers the expenses of Vitamins and tonics, provided it is suggested by the physician.
  • Ambulance charges are covered.
  • An additional Daily Allowance charge is provided.
  • Covers the expenses of treatment done in Government recognised Ayurveda, Homeopathy or Unani centres.

Personal Accident Insurance Policy

Entry Age: 5 to 70 years
Sum Assured:No limit
Critical Illness:N/A

  • The important features of the plan are as follows
  • The policy is available for all individual, family and group.
  • Comprehensive cover for any sort of physical injury or death due to theaccident.
  • In thecase of death, the policy provides security to the applicant’s family members.
  • A benefit ranging from 5% to 40% is given depending on the nature of theinjury.
  • If the applicant suffers from temporary total disability the insurer provides 1% of sum assured or Rs 6000 per week, whichever is higher.
  • The plan offers financial support in case of job loss as a result of the physical injuries during the accident.
  • Add-on benefits are provided such as compensation for clothing damages for the accident, and the expenses required to carry a dead body.
  • Sum assured is enhanced by every renewal both for individual and family plans.

Group Critical Illness Plan

  • The key features of this plan are as follows
  • Covers daily allowance charges.
  • Covers ambulance charges.
  • Covers 45 days of pre-hospitalisation and 60 days of post-hospitalisation charges including expenses of nurse and doctors.
  • Covers expenses of preventive health check-ups.
  • Covers charges for vaccination.
  • Covers room rent charges for the hospitalisation period.
  • Covers expenses of adoctor, anaesthetist, and other consultation charges.
  • Covers the expenses of Vitamins and tonics, provided it is suggested by the physician.
  • Covers the expenses of treatment done in Government recognised Ayurveda, Homeopathy or Unani centres.
  • Covers charges incurred during domiciliary treatment along with charges of the medical practitioner.

Key Benefits of IFFCO Tokio HIC

You have a right to ask that why to choose IFFCO Tokio Health Insurance over other insurers. That is the reason why I have jotted down the key advantages of joining hands with IFFCO Tokio Health Insurance Company. These are

  • On spot issuance of policy documents with adigital signature at any branch of the company.
  • Provides an option for Auto Renewal of the Sum Insured.
  • Offers complete reimbursement of full eligible claim amount under the different plans.
  • A simple and hassle-free procedure that doesn’t involve any third party administrator.
  • The cashless facility at a wide number of network hospitals.
  • Existing insurers can switch between different plans according to their need.
  • A support team to answer all your queries 24*7.
  • Discount on premiums for family based plans.

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