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Family Health Insurance

Buy best health insurance plans from IFFCO Tokio for whole family.

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Individual Health Insurance

A comprehensive health plan for individuals

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Corona Rakshak Policy

The Policy pays lumpsum amount if the person gets COVID-19 requiring hospitalization.

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Corona Kavach Policy

Specialised indemnity product for the treatment of COVID-19

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MOS-BITE Protector Policy

The policy pays you a lump sum amount on diagnosis of vector-borne diseases.

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What is Health Insurance?

Good health tops everything else! And when it comes to looking after yourself, you can think of health insurance as your ultimate back up plan. In case of medical emergency, a health insurance plan allows you to focus on getting better instead of worrying about your medical bills.

Our medical insurance plans cover hospital bills and all the expenses you might encounter before and after hospitalization. Along with this, we also cover dental, optical & physio on conditional basis. And, we’ll even reward you for staying healthy! All this, so you can kick back and relax, knowing someone’s got your back when a medical emergency comes knocking.

At IFFCO-Tokio General Insurance Pvt. Ltd., we understand that there's no 'one size fits all' approach to health cover. Your policy should be as individual as you are! That’s why we also offer a range of add-ons and customizable cover options. This allows you to tailor the protection of your plan to meet your exact healthcare needs.

Why choose IFFCO-Tokio?

Our health insurance plans look after your health and wellbeing. They provide protection from numerous medical expenses and offer comprehensive coverage. This ensures that you have complete peace of mind from double-digit healthcare inflation in India. With a medical insurance policy from IFFCO-Tokio General Insurance Pvt. Ltd. you can enjoy

Types of health insurance plans we provide

Find a health insurance plan that's right for you! We provide a range of easy to understand coverage options that are designed to suit varying needs. And no matter which plan you choose, you can rest assured that we'll be there for you and your family when you need us most, protecting you from medical expenses that come your way.

Family Health Protector Policy

Buy a complete health cover for your family. READ MORE


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Individual Health Protector Policy

A comprehensive health plan for individuals. READ MORE


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Swasthya Kavach Policy

Complete cover for your family. READ MORE


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Individual Medishield Policy

The smart way to protect yourself from financial risks. READ MORE


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Individual Personal Accident Policy

Buy the right personal accident policy. READ MORE


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Critical Illness Insurance Policy

Affordable protection against critical illnesses. READ MORE

Health Protector Plus Policy

Offers full coverage to you and your family. READ MORE

Swasthya Raksha Bima

Swasthya Raksha Bima is an affordable medical insurance plan. READ MORE

Critical illness benefit policy

Designed to mitigate the financial risks of a critical illness. READ MORE

MOS-BITE Protector Policy

Coverage for vector-borne diseases. READ MORE


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Arogya Sanjeevani Policy

Standard health insurance covering basic medical expenses. Read More


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Corona Rakshak Policy

The Policy pays lumpsum amount if the person gets diagnosed with COVID-19 READ MORE


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Corona Kavach Policy

Specialised indemnity product for the treatment of Covid-19 READ MORE


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What’s covered in health insurance?

Our health insurance plans are designed to provide all-round protection from medical expenses. As such, when you purchase a policy from IFFCO-Tokio General Insurance Pvt. Ltd. you get coverage against numerous healthcare-related costs. These include, but are not limited to the following

Day-care procedure Day-care procedure

Pre-planned procedures such as tonsillectomy, cataract, lithotripsy, and so on are covered by your policy.

Critical illness Critical illness

Get financial protection from life-threatening illnesses such as cancer, stroke, open heart surgery, major burns, etc.

Laboratory services Laboratory services

Our medical insurance plans also cover the various tests & x-ray that may be required during your treatment.

Hospitalisation charges Hospitalisation charges

This includes room rent, doctor’s consultation charges, surgery, etc.

Pre-hospitalisation and post-hospitalisation expenses Pre-hospitalisation and post-hospitalisation expenses

Our plans cover expenses before and after your hospitalization.

Ambulance charges Ambulance charges

Because getting quality care en route to the hospital can be critical and expensive too!

Prescription drugs Prescription drugs

The cost of prescribed medication required during your treatment is covered by our health insurance plans.

AYUSH AYUSH

Alternative treatment methods such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy.

What’s not covered by health insurance

Every health insurance policy will have a set of exclusions. These are medical conditions & healthcare expenses that are not included in the coverage of the policy. Some of the common medical insurance exclusions include

Cosmetic treatments

Medical procedures to enhance the appearance are not covered. However, in case of accident or injury when plastic surgery is a requirement, it can be covered.

Pre-existing medical condition

These conditions are covered only after the waiting-period which usually ranges from 3-4 years.

Pregnancy-related conditions

Childbirth and lawful terminations are also considered as pre-existing conditions, therefore they have a waiting period before they are covered.

Injuries caused due to self-harm or suicide attempt

Any injuries and medical expenses arising from such incidents are not covered by medical insurance.

Injuries suffered due to war, nuclear explosion

Such instances are not covered by most insurance policies including health, life and, motor insurance.

Intentional injuries and congenial diseases

This is another common exclusion under most medical insurance plans.

Benefits of health insurance policy

Having health insurance is extremely important. Each and every one of us should have a valid policy at all times! This is because medical insurance is a multi-faceted tool. It provides a policyholder numerous benefits and ensures you are protected from the unpredictable nature of life. Here are some advantages of having a policy to your name.

1 Peace of mind from medical expenses

The first benefit, of course, is that you are protected from the financial impact of medical emergencies. A good medical insurance policy will take care of your medical bills, allowing you to take care of your health.

2 Health insurance tax benefits

As per Section 80D of the Indian Income Tax Act, the premium paid towards medical insurance plan can be used to claim deductions on your taxable income.

3 Safeguards your savings

Without a medical insurance plan, you could be forced to tap into your savings or prematurely liquidate your investments to cover medical bills. However, with a valid policy, you can keep your assets in place and your medical cover expenses with ease!

How to buy the right health insurance policy?

You’ll probably buy a medical insurance plan only once in your life. That said, it is extremely important you choose a plan correctly. Without due diligence, you could end up over or underinsured, causing you to either fall short of coverage in a critical situation or pay for coverage you will never end up using! Keeping this in mind, we’ve put together some simple tips you can use to purchase the best health insurance plan for your needs.

1 First, decide how much cover you need

Estimate the right amount of protection based on where you live, your family’s history of medical conditions, nature of job, age and so. Opt for a higher sum insured if you live in a metro city as medical expenses tend to be higher.

2 Factor in the rate of inflation

Take the rate of inflation into consideration when choosing the coverage of your plan. What seems like enough today might fall short a few years from now. Our health insurance plans offer an inflation add-on wherein the sum assured of your plan is increased every year by a certain percentage to keep the rate of inflation in check.

3 Choose the right add-ons

Add-ons help widen the coverage of your medical insurance policy. For example, if a major illness runs in the family, you could include the critical illness add-on to provide extra protection from such medical conditions.

4 Keep in mind the cost

Look for premiums that fit your budget. A plan that puts undue strain on your finances is not ideal. Also, besides for the premium, you should also look into other costs associated with your policy such as co-insurance & deductible.

5 Claim settlement ratio & network hospitals

We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%. We also have over 5000+ network hospitals where you can avail cashless treatment. This ensures that getting a claim settled is a complete breeze!

Benefits of buying health insurance online

You are more than welcome to visit one of our branches to purchase a medical insurance policy. We will be more than happy to guide you through the entire purchase process. However, in the interest of your time, energy, and convenience, we suggest that you purchase a plan over the Internet. Here are some other good reasons for this.

It’s easier

That’s right, online health insurance is easier to purchase. You just have to open our website and tell us about yourself and your healthcare needs. Based on the information you provide, we will offer you instant medical insurance quotes. You can also choose add-ons and customer the coverage of your plan. After this, you can make the payment and the policy will be yours. The document will be emailed to you and the cover of your policy will commence. 

easy

Saves time

Making a trip to our branch can be a time-consuming process. The trip from your home to our office could take hours, especially if there’s traffic! In comparison, buying health insurance online will only take you a few moments. You can skim through the process and have the policy in your inbox in a span of minutes. They say time is money and online insurance plans help you save a lot of time by eliminating the need for a branch visit.

saves-time

Added convenience

When you buy medical insurance online, you can do so at a time and place you are comfortable with. It could be your favourite spot on the couch, in-between meetings at the office or even while you are travelling. You are not restricted to office hours either – our website is available to you 24 by 7 and 365 days in the year. You can buy health insurance online at any time of the day or night!

Added convenience

Benefits of buying health insurance online

You are more than welcome to visit one of our branches to purchase a medical insurance policy. We will be more than happy to guide you through the entire purchase process. However, in the interest of your time, energy, and convenience, we suggest that you purchase a plan over the Internet. Here are some other good reasons for this.

It’s easier

That’s right, online health insurance is easier to purchase. You just have to open our website and tell us about yourself and your healthcare needs. Based on the information you provide, we will offer you instant medical insurance quotes. You can also choose add-ons and customer the coverage of your plan. After this, you can make the payment and the policy will be yours. The document will be emailed to you and the cover of your policy will commence. 

easy

Saves time

Making a trip to our branch can be a time-consuming process. The trip from your home to our office could take hours, especially if there’s traffic! In comparison, buying health insurance online will only take you a few moments. You can skim through the process and have the policy in your inbox in a span of minutes. They say time is money and online insurance plans help you save a lot of time by eliminating the need for a branch visit.

saves-time

Added convenience

When you buy medical insurance online, you can do so at a time and place you are comfortable with. It could be your favourite spot on the couch, in-between meetings at the office or even while you are travelling. You are not restricted to office hours either – our website is available to you 24 by 7 and 365 days in the year. You can buy health insurance online at any time of the day or night!

Added convenience

How to Make Health Insurance Claim

Cashless Claims: If you visit one of our 5000 network hospitals, you can enjoy a completely cashless claims process. Upon completion of your treatment, the hospital will file for a claim with us, and we will settle the bill directly with the hospital. You need not pay a single penny for a cashless claim.

Reimbursement Claims: If you undergo treatment at a non-network hospital, you cannot avail of cashless claims. In this case, you could have to pay for all your medical expenses and we would then reimburse the costs incurred. In case of reimbursement, you should contact us within a couple of days of your hospitalization – our customer care team will guide you with the further processes.

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Know More About Health Insurance

5 Reasons To Invest In Health Insurance

Things to know before buying Health Insurance in India

All You Need to Know About Mediclaim Policy in India

Health Insurance for Senior Citizens

Critical Illness Insurance - Myths and Facts

How does Health Insurance Policy Work

FAQs

Is it safe to buy health insurance online?

Yes, it is safe to buy health insurance online. We have a secured payment gateway on our website to ensure your transaction is processed safely,. This is the reason why many of our customer purchase medical insurance plans online!

What is the process to buy health insurance online?

Health insurance offers protection against an unforeseen situation such as medical emergencies. Many people are buying a health insurance policy to secure themselves against such expenses. A person can purchase health insurance by visiting our website.

All you have to do is tell us about your healthcare needs and we will offer you the right plan. You can throw in the add-ons you prefer, fine-tune the coverage and proceed to the payment once you are satisfied with the coverage. Once you pay the premium, the policy will be mailed to you and coverage of your medical insurance policy will commence instantly!

What happens when you don’t renew health insurance on time?

Your health insurance policy offers cover against medical expenses. If a person meets with a medical emergency, then they can file for a claim with health insurance. However, a policyholder will not get such benefits when the policy has expired. The person must pay the medical expenses out of their pocket. Therefore, it is extremely important that you remember the expiry date of your medical insurance policy and renew your plan on time to enjoy interrupted protection.

Factors to determine premium payable for health insurance?

Under health insurance, the age and the amount of cover are two main factors that decide the premium. Usually, younger people are considered healthier and thus pay lower annual premiums. Older, people pay a higher health insurance premium as their risk of health problems or illness is higher. Similarly, smokers and those who consume alcohol have higher premiums. Even the nature of your job and where you stay can influence the premium of your medical insurance policy.

Can I buy more than one Health Insurance policy?

Yes, it is possible to have more than one health insurance plan. In the case of a medical emergency, you can choose which plan you want to use to cover your medical expenses. The advantage of buying two medical insurance plans is that, if the sum insured of one plan is exhausted, you can turn to the other to cover the remaining costs. You can also customize both plans in a way that they complement each other and provide you with wholesome coverage from medical emergencies. 

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Customer Reviews

Health Insurance

Quick and hassle free services. The whole process of taking the health insurance policy is very nice and they explained each and every things in detailed.

Rated by: Chitra Sen

Customer Reviews

Health Insurance

IFFCO-Tokio is the only insurance company that had health insurance plans with best, substantial and useful benefits. I definitely recommend checking IFFCO-Tokio.

Rated by: Pawan Rastogi

Customer Reviews

Critical Illness Insurance

Communication over the mail & phone was very prompt and the staff did their best to clear all my critical illness insurance related queries.

Rated by: Chinmay Dani

Customer Reviews

Critical Illness Insurance

Critical illness Insurance procedure was very clear and easy.

Rated by: Sumit Somnath Behl

Customer Reviews

Health Insurance

One of the best health insurance online i can ever have. A big thanks to iffko tokio

Rated by: Rajeev Shukla

Overall Review

4.9/5

130 Reviews

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