Buy/Renew Family Floater Health Insurance Policy Online
Buy/Renew Personal Health Insurance Policy Online
1 Crore Super Top-Up Health Insurance Plan
7000+
Cashless Hospitals
4.8
Customer Ratings
Instant
Claim Settlement
instant
Policy Issuance
Get Cashless Treatments in 7000+ Network Hospitals
| Key Features | Benefits of IFFCO-Tokio |
|---|---|
| Sum Insured | Up to Rs. 30 lakhs |
| Room Charges Covered | Up to actuals |
| ICU Charges | Up to actuals |
| Hospitalization Ambulance Charges | Up to Rs.2,500 |
| Daily Allowance Cover | Up to Rs.1,000 per day |
| Co-pay | Nil |
| Critical Illness | Covered |
| No medical test | Upto 60 years |
| Reinstatement Benefit | Available |
| Day Care Cover | 380 procedures covered |
| Online Renewal | Available |
| Lifelong Renewal | Yes |
| Tax Benefit under 80D | Upto 1 Lakh |
| Cashless Treatment | Available at 7000+ hospitals |
| COVID-19 Treatment | Covered |
| Claim Assistance | With 24/7 customer service |
| Pre and Post Hospitalization Expenses | Covered |
| Nursing Expenses | Covered |
| Wellness Benefits | Covered |
Our health insurance policy offers coverage for a wide range of medical expenses which are given below. The benefits provided by IFFCO Tokio are not limited to the following.
Our health insurance policy will not provide coverage for the following-
Cosmetic or Obesity treatment
Pregnancy-related conditions
Injuries caused due to self-harm or suicide attempt
Injuries suffered due to adventure sport, war, nuclear explosion, defence operations
Our customers have rated us
Based on 1050 reviews
Family health insurance team at IFFCO TOKIO is very efficient. Excellent service.
Delighted!
Had to go through minimum documentation while buying a family health insurance. Saved a lot of time.
Highly satisfied!
Worth it!
It's incredible!
Buy/Renew Family Floater Health Insurance Policy Online
IFFCO Tokio offers Quick and Easy Car Insurance Claim in 3 simple steps!
Intimation - Inform our network for cashless approval
Hospitalization - Hospitalization can be done on the basis on pre-approval
Claim settlement -Claim settlement directly with the hospital at the time of discharge.
Intimate
Verify
Settle
Get Cashless Treatments in 7000+ Network Hospitals
Unlike motor insurance, having a health insurance is not mandatory. However, it is recommended to have a health insurance for you and your family. The reasons why health insurance is important for you and your family includes:
Afford Quality Healthcare
Save Tax upto ₹1,00,000
Beat Medical Inflation
Provide access to Specialized Treatment
Provide access to Cashless Treatment
Coverage for Lifestyle diseases
Buy/Renew Family Floater Health Insurance Policy Online
IFFCO Tokio has specifically designed health insurance plans to provide coverage for you and your loved ones. You can also customize health insurance according to your needs. You can be in relief and peace of mind because we will be there for you when you need us.
Health insurance protects your personal finances during a medical emergency. There are several benefits of a health insurance policy, have a look at some of them.
A health insurance policy protects you against any unforeseen circumstances. You can buy a policy from our website. Buying a health insurance policy from our website is a very simple process! Once you have decided to buy a health insurance policy, follow these easy steps to proceed forward:
Buying a health insurance policy online is really simple and convenient. Have a look at the benefits of buying your health insurance from our website:
Buy/Renew Family Floater Health Insurance Policy Online
Follow the seamlessly easy steps given below to renew your health insurance policy.
You can renew your health insurance online seamlessly. Have a look at the benefits of renewing your health insurance online:
As per the applicable tax laws, Section 80D of the Income Tax Act states that the premium you pay for your health insurance policy can be claimed as tax deductibles. Here is a closer look at how you can claim tax deductions:
OR
If you are a senior citizen and buy a health insurance policy for yourself and family, you can get a total tax deduction of upto ₹ 50,000.
OR
If you buy a health insurance policy only for your parents who are above the age of 60 years, you can get a total tax deduction of upto ₹ 50,000.
| Self and family below 60 Years | Self and Family below 60 Years & Parents Below 60 Years | Self and Family above 60 Years | Self and Family below 60 Years & Parents Above 60 Years | Self and Family above 60 Years & Parents Above 60 Years | |
|---|---|---|---|---|---|
| Deduction for Self, Family, Children | ₹ 25,000 | ₹ 25,000 | ₹ 50,000 | ₹ 25,000 | ₹ 50,000 |
| Deduction for parents | ₹0 | ₹ 25,000 | ₹0 | ₹ 50,000 | ₹ 50,000 |
| Maximum deduction | ₹ 25,000 | ₹ 50,000 | ₹ 50,000 | ₹ 75,000 | ₹ 1,00,000 |
Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
There are two types of health insurance, namely group mediclaim policy and individual health insurance policy. As the name suggests, a group mediclaim policy covers several people at once, whereas an individual health insurance policy covers just a single individual.
A company usually opts for a group health insurance policy to cover its employees.
As several people are covered in group health insurance policy, the insurance premium is generally cheaper than that in an individual health insurance policy.
You might ask, are there any other differences between group health insurance and an individual insurance policy? Yes, there are differences. Let’s have a look at the following table to understand it in a better way.
| Features | Group Mediclaim (Employer-given health insurance) | Individual/Family Health Insurance |
|---|---|---|
| General meaning | A group health insurance plan covers a group of people under health insurance. | An Individual health insurance policy offers coverage to the policyholder. |
| Who is the purchaser? | An employer usually purchases group Health Insurance. | Any individual can buy the policy for self or for family members. |
| Coverage | Coverage is shared among number of employees of a particular organization | Coverage is only for policyholders (Self/Family Members) |
| Sum insured | The sum insured generally ranges between Rs. 1 to 5 Lakhs and selected by employer. | Upto 30 lakhs of Sum Insured can be selected by the insured |
| Option to buy Add-ons: | None or limited | The policyholder can buy any of the available add-ons. |
| Coverage tenure | Till employed with the company | Lifelong, provided renewal is done on time |
| Tax benefits | No | Yes |
| Claims | Usually made through a third-party administrator. | Claims can be made directly with the insurance company. |
| No claim Bonus | Not Applicable | Yes |
| Eligibility Criteria: | Should be a permanent employee of an organization | One of the family member must be at least 18 years of age |
| Waiting period of Pre-existing diseases: | Yes | Yes |
| No Medical Test | Upto 60 Years | Upto 60 Years |
| Additional Coverage for Critical Illness | No | Yes- If chosen |
Individual and group health insurance plans offer different benefits and serve different purposes. One should always buy health insurance as per the requirement to get adequate financial back-up in the time of need.
It is important to bear in mind that a Group Mediclaim policy will only cover you as long as you are a working member of that organization. The moment you retire or change jobs, you lose that protection. Thus, while it is useful to have the coverage of a Group Mediclaim plan, you may also want to look into getting your own individual or family health insurance policy.
Buy/Renew Family Floater Health Insurance Policy Online
A health insurance premium means the amount that you need to pay throughout the term to the insurance provider in order to avail the health insurance policy. The premiums are to be paid annually to remain active. There are many health insurance plans and their premiums depend upon the coverage that is being offered.
Have a look at the factors that affect your health insurance premium.
If you have a medical history that suggests a certain illness, then your insurance premium would be higher.
As you age, your premiums will most likely increase since advancing age is often accompanied by health issues.
If your insurance policy is of longer duration, then you would have to pay lesser premiums and vice-versa.
If your occupation involves risk to your health, then your insurance premium may get affected because of the same.
If you indulge in activities such as smoking, drinking, which may affect your health, then the premium on your insurance policy would be higher.
People with higher BMI generally have to pay higher premiums as compared to those with a normal BMI.
Buy/Renew Family Floater Health Insurance Policy Online
Disclaimer- On the basis of your profile, premium may change. Premium displayed for 20-25 years old individuals. Per day premium is for indication only, Premium is payable on Annual basis.
