Compare IFFCO Tokio Swasthya Kavach Wider Plan

IFFCO Tokio Swasthya Kavach Wider Plan

IFFCO Tokio Swasthya Kavach Wider offers health insurance coverage for the whole family. The plan provides both inbuilt coverage features as well as optional extensions which can be chosen to make the plan more exhaustive in its scope of coverage. There are also various value added services which increase the plan benefits.

Key features of the plan

No medical check-ups are required till 45 years of age.
Cashless claim facility is available at more than 4000 hospitals in India.
Expenses for vitamins and tonics are also covered under the plan.
Critical illness rider can be chosen with the plan.

How does the plan work?

Step 1 – the policyholder chooses the Sum Assured and the members covered.

Step 2 – the policyholder can also choose the critical illness extension by paying an additional premium.

Step 3- If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.

Step 4 – if the plan matures and no medical contingencies occur, cumulative bonus is paid which increases the Sum Insured without increasing the premium.

Example

Harish buys the Wider plan for a Sum Insured of Rs.5 lakhs. He also opts for the critical illness rider.

Option 1 – Harish suffers kidney failure and is prescribed regular dialysis. His plan pays the critical illness benefit which he had opted for.

Option 2 – if the plan matures and there were no complications, the Sum Insured would increase by 5% and become Rs.5.1 lakhs.

Plan benefits

Medical benefits – the list of medical expenses covered by the plan and their extent is as follows:

Room rent, boarding and nursing expenses	Up to 1.5% of Sum Insured
Registration, service charges or surcharges	At actuals
ICU room rent	Up to 2.5% of Sum Insured
In-patient hospitalization	Covered up to Sum Insured. In case of package treatment, the coverage would be limited to 80% of the Sum Insured
Domiciliary hospitalization	Up to 20% of Sum Insured
Ambulance cover	Up to Rs.1500
Pre hospitalization	Up to 30 days
Post hospitalization	Up to 60 days
Daily cash for hospitalization	Rs.250/day
Organ donor expenses	Covered
Day care treatments	121 procedures covered
Health check-ups	Once every 4 claim-free years

No Claim Bonus – if no claim has been made by the policyholder in any policy year, a 5% increase in the Sum Insured is allowed up to a maximum of 50%
Premium discounts – if the policyholder has an existing two-wheeler insurance plan from the company, a premium discount is allowed in the health insurance premium.
Critical illness rider – an optional Critical Illness Rider is available under the plan which pays an additional Sum Insured in case the insured is diagnosed with a critical illness.
Emergency Assistance Services – the plan provides value added emergency services if the insured is travelling at least 150 kms beyond his residential address. The services include:

Medical consultation, evaluation and referral
Emergency medical evacuation
Medical repatriation
Transportation to join patient
Care and/or transportation of minor children
Emergency message transmission
Return of mortal remains
Emergency cash co-ordination

Eligibility Criteria

	Minimum	Maximum
Age at entry (in completed years)	Dependent children - 3 months Adults – 18 years	Adults – 60 years Dependent children – 23 years
Premium paying options	Single pay
Sum Assured	Rs.2 lakhs	Rs.5 lakhs

What is not covered by the plan?

Illnesses suffered during the first 30 days of the plan commencement are not covered.
Pre-existing ailments are not covered in the first 4 years of the plan.
Specific illnesses have a 1 year and 2 year waiting period
Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.
Treatments like dental treatments, cosmetic treatments, artificial life support, weight loss treatments, etc. are not covered.

FAQs

What is the limit on free health check-ups?

Pre health check-ups are covered up to 1% of the Sum Insured for all insured members together.

What are optional extensions under the plan?

The plan provides an optional additional of Critical Illness rider which pays an additional Sum Insured in case the insured members suffer from any illness covered by the rider.

What are the types of critical illnesses covered by the optional extension benefit?

Some popular illnesses covered include stroke which results in permanent symptoms, cancer of specified severity, kidney failure which requires dialysis, open chest CABG, major organ transplant or bone marrow transplant, etc.

What is the free-look period under the plan?

There is a period of 15 days from the date of policy issuance which is the free-look period under the plan. During this period the policyholder can choose to cancel the plan opted.

What is the tenure of the plan?

The plan is available for one year only after which it should be renewed.

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