FAQS IN RELATION TO COVID-19 CLAIMS UNDER HEALTH INSURANCE POLICIES
Where are the COVID-19 Test Centers and Hospitals?
Will my existing IFFCO Tokio individual and family health insurance policies cover COVID-19?
Yes, any hospitalization expenses related to COVID-19 will be covered under our health insurance policies like SKP, IHP, FHP, IMI, HPP, SRB as per the policy terms and conditions.
How do I intimate my claim when I or my family member is admitted in a hospital?
Presently, you can intimate the claim through digital tools like online (link) or through our mobile Customer App. In case you are admitted in a network hospital, you can avail cashless facilities.
Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?
All admissible expenses within the pre and post hospitalisation period will be covered n accordance with the policy terms and conditions.
Will the IFFCO Tokio health insurance policies cover expenses due to quarantine?
Medical expenses incurred during quarantine in a hospital as advised by a registered Medical Practitioner will be covered in accordance with the policy terms and conditions. However, expenses incurred on account of self-quarantine or quarantine at home will not be covered.
Will the policy cover if hospitalized outside India?
No. As per the policy terms and conditions, the geographical scope of the policy is limited to India.
If I had travelled abroad, will the travel history affect my claims under the policy?
No. As long as the hospitalization is in India, your travel history abroad will not affect the admissibility of claim under the policy.
What are the hospitalisation expenses that will not be covered if admitted for COVID-19?
The non-payable expenses are as listed in the policy terms and conditions.
Will the expenses like consultations with a Doctor and diagnostic tests in relation to COVID-19 covered under my Health Insurance policy?
Yes, such expenses will be covered within the pre and post hospitalisation period as per the policy terms and conditions. Presently it is 30 day period prior to date of admission and 60 day period after date of discharge will be covered in accordance with the policy terms and conditions.