Coverage for Pre Hospitalization & Post Hospitalization Medical Expenses.
Health Insurance
Buy best health insurance plans from IFFCO Tokio for whole family.
Buy best health insurance plans from IFFCO Tokio for whole family.
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.
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
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.
Buy a complete health cover for your family. READ MORE
A comprehensive health plan for individuals. READ MORE
Complete cover for your family. READ MORE
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Designed to mitigate the financial risks of a critical illness. READ MORE
The Policy pays lumpsum amount if the person gets diagnosed with COVID-19 READ MORE
Specialised indemnity product for the treatment of Covid-19 READ MORE
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
Pre-planned procedures such as tonsillectomy, cataract, lithotripsy, and so on are covered by your policy.
Critical illness
Get financial protection from life-threatening illnesses such as cancer, stroke, open heart surgery, major burns, etc.
Laboratory services
Our medical insurance plans also cover the various tests & x-ray that may be required during your treatment.
Hospitalisation charges
This includes room rent, doctor’s consultation charges, surgery, etc.
Pre-hospitalisation and post-hospitalisation expenses
Our plans cover expenses before and after your hospitalization.
Ambulance charges
Because getting quality care en route to the hospital can be critical and expensive too!
Prescription drugs
The cost of prescribed medication required during your treatment is covered by our health insurance plans.
AYUSH
Alternative treatment methods such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy.
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
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.
These conditions are covered only after the waiting-period which usually ranges from 3-4 years.
Childbirth and lawful terminations are also considered as pre-existing conditions, therefore they have a waiting period before they are covered.
Any injuries and medical expenses arising from such incidents are not covered by medical insurance.
Such instances are not covered by most insurance policies including health, life and, motor insurance.
This is another common exclusion under most medical insurance plans.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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!
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.
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.
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!
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.
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.
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!
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.
Download Forms
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!
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!
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.
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.
Yes, you can have more than one medical Insurance policy. In case of a claim, you can choose which policy to use to cover your costs. The benefit of having 2 health insurance plans is that, once the Sum Insured of one policy is exhausted, the remaining medical expenses, if any, can be claimed through the second policy.
