Buy best health insurance plans from IFFCO Tokio for whole family.
A comprehensive health plan for individuals
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 a 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 a 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 Company Limited, we understand that there's no 'one size fits all' approach to health cover. Your health insurance 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.
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.
Protect your family with health insurance which includes daycare procedures and cashless service. READ MORE
Covers your medical expenses including ambulance charges, daycare procedures, and much more. READ MORE
Get holistic health coverage for your family under this policy with lifelong renewability READ MORE
Covers daycare surgeries, critical illnesses, and nursing expenses for complete protection. READ MORE
Covers total and partial disability for life, accidental death, and temporary total disability READ MORE
This plan covers 25 critical illnesses and surgeries with lifelong renewability. READ MORE
This plan covers pre and post-hospitalization expenses, room rent, ambulance charges, and more. READ MORE
Affordable health insurance for smaller cities and towns with the inclusion of ambulance charges. READ MORE
Secure your family under a single plan which covers 25 critical illnesses and surgeries. READ MORE
MOS-BITE Protector Policy covers 7 vector-borne diseases. Coverage provided up to Rs.1 lac. READ MORE
Covers ambulance charges, room rent, and also provides 5% co-payment on all claims. Read More
Get lump sum payout on testing positive for COVID-19 requiring hospitalization for minimum of 72 hours. READ MORE
An indemnity-based health insurance plan for COVID-19 with individual and family coverage. READ MORE
Provides a fixed amount for each continuous and completed period of 24 hours.. READ MORE
| Features | Family Health Protector Policy (FHP) | Individual Health Protector Policy (IHP) | Swasthya Kavach Policy (SKP) | Individual Medishield Policy (IMI) | Arogya Sanjeevani Policy (ASP) |
|---|---|---|---|---|---|
| Sum Insured | Rs. 1.5 lakhs to Rs. 30 lakhs | Rs. 50,000 to Rs. 20 lakhs | Rs. 1 lakh to Rs. 5 lakhs | Rs. 50,000 to Rs. 5 lakhs | Rs. 1 lakh to Rs. 5 lakhs |
| Room Charges | S.I of 7 Lacs and above : Covered up to actuals S.I below 7 Lacs: Up to 1.50% of S.I. for class A cities and 1.25% of sum insured for other cities | S.I of 5 Lacs and above : Covered up to actuals S.I below 5 Lacs: Up to 1.75% of S.I. for class A cities and 1.50% of sum insured for other cities | S.I of 3 Lacs and above : Covered up to actuals (depending on plan variant) S.I below 3 Lacs: Up to 1% of S.I. / 1.5% of S.I (depending on the plan variant) | S.I of 3 Lacs and above : Covered up to actuals (depending on plan variant) S.I below 3 Lacs: Up to 1% of S.I. | Up to 2% of the sum insured subject to maximum of Rs.5000/- per day |
| ICU Charges | S.I of 7 Lacs and above : Covered up to actuals S.I below 7 Lacs: Up to 2.50% of S.I. for class A cities and 2.0% of sum insured for other cities | S.I of 7 Lacs and above : Covered up to actuals S.I below 7 Lacs: Up to 3.0% of S.I. for class A cities and 2.5% of sum insured for other cities | S.I of 3 Lacs and above : Covered up to actuals (depending on plan variant) S.I below 3 Lacs: Up to 2 % of S.I. / 2.5% of S.I (depending on the plan variant)s | S.I of 3 Lacs and above : Covered up to actuals (depending on plan variant) S.I below 3 Lacs: Up to 2.5% of S.I. | Up to 5% of the sum insured subject to maximum of Rs.10,000/- per day |
| Ambulance Charges | Covered up to Rs. 2,500 per hospitilization | Covered up to Rs. 2,500 per hospitilization | Covered up to Rs. 750/ Rs 1500 per hospitalization (depending on the plan variant) | 1% of S.I or up to Rs. 1,500 per hospitilization | Covered up to Rs. 2,000 per hospitilization |
| Daily Allowance Cover | Up to Rs. 1,000 per day | Up to to 0.20% of the sum insured per day | Rs. 150 per day / Rs 250 per day (depening on plan variant) | Up to Rs. 250/- per day | Not Available |
| Co-pay | Nil | Nil | Nil | Nil | 5% co-payment |
| Critical Illness | Covered | Covered | Covered | Covered | Not covered |
| No medical test upto | Age 60 | Age 60 | Age 60 | Age 60 | Age 55 |
| Reinstatement Benefit | Available | Available | Available | Available | Not Available |
| Day Care Cover | 160+ Procedures Covered | 160+ Procedures Covered | 160+ Procedures Covered | 160+ Procedures Covered | 12 Diseases covered upto 50% of Sum Insured |
| Online Renewal | Available | Available | Available | Available | Not Available |
| Lifelong renewal | Yes | Yes | Yes | Yes | Yes |
| Tax Benefit under 80D | Available | Available | Available | Available | Available |
| Cashless Treatment | Available at 6400+ Hospitals | Available at 6400+ Hospitals | Available at 6400+ Hospitals | Available at 6400+ Hospitals | Available at 6400+ Hospitals |
| Covid-19 Treatment | Covered | Covered | Covered | Covered | Covered |
| Claim Assistance | With 24/7 customer service | With 24/7 customer service | With 24/7 customer service | With 24/7 customer service | With 24/7 customer service |
| Pre and Post Hospitilisation Expenses | Covered | Covered | Covered | Covered | Covered |
| Nursing Expenses | Covered | Covered | Covered | Covered | Covered |
| Members Covered | Spouse and dependent parent and children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together | You, your spouse, dependent children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together with you and dependent parents on individual sum insured basis | Members of the family consisting of you, your spouse and dependent children up to the age of 23 years | Members of the family consisting of you, your spouse, dependent children upto the age of 23 yrs. | Yourself, wedded spouse, parents, parents-in-law, dependent children between the age 3 months to 25 years |
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 health plan.
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
The charges that you incur such as room rent, doctor’s consultation fee, surgery, etc. are covered by your health insurance plan.
Pre and post-hospitalisation expenses
Both your pre- as well as post-hospitalization expenses will be covered under our health insurance policies.
Ambulance charges
Ambulance trips to the hospital can prove to be quite expensive, hence our health insurance plans cover these charges too.
Prescription drugs
The expenses for prescribed medication required during your treatment are covered by our health insurance plans.
AYUSH
Alternative treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy are covered by our policies.
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!
A health insurance policy is vital for an individual since it provides financial security in times of medical emergencies. This policy will ensure that you are able to afford the best healthcare services that you require. However, that’s not all. Your health insurance policy can also help you get tax benefits.
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. According to leading tax experts, here’s how you can claim tax deductions:
If you buy a health insurance policy for yourself, your spouse, children, and parents who are under the age of 60 years, you can get a total tax deduction of Rs. 25,000.
If you buy a health insurance policy for your parents who are above the age of 60 years, you can get a total tax deduction of Rs. 50,000.
If you buy a health insurance policy for your parents when you are above the age of 60 years, you can get a combined tax deduction of Rs. 1,00,000.
You can also get tax deductions of Rs. 5,000 every year on health check-up expenses.
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 the 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 inflation into consideration when choosing your plan’s coverage. Our health insurance plans offer an inflation add-on wherein the sum assured of your plan increases 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 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 6400+ network hospitals where you can avail cashless treatment. This ensures that getting a claim settled is a complete breeze!
Our health insurance plans cover numerous medical expenses and also offer comprehensive coverage. Thus, you do not have to worry about arranging finances for your healthcare services.
Here’s what our health insurance policies provide coverage for:
The novel coronavirus is an infectious disease that has affected every corner of the world. According to several leading medical experts, people who are young in age and test positive for COVID-19 will experience mild to moderate symptoms such as loss of taste, smell, and respiratory problems. Older people, however, have to be more careful since they are at higher risk of getting infected by COVID-19, especially if they have existing health issues such as diabetes, cardiovascular disease, chronic respiratory disease, or cancer. This is why policyholders are worried about whether their insurance plans cover medical expenses for coronavirus. If you are thinking about the same, do not worry. Our health insurance plans do provide coverage for medical expenses due to COVID-19.
Here is a list of our plans that cover COVID-19
Family Health Protector Policy
Individual Health Protector Policy
Individual Medishield Policy
SwasthyaKavach Policy
Health Protector Plus Policy
SwasthyaRakshaBima
Corona Rakshak Policy
Corona Kavach Policy
A health insurance premium is the amount that insurance providers charge their policyholders in order to provide coverage for them. Most health insurance policies require their premiums to be paid annually to remain active. There are many types of health insurance plans, and their premiums would depend on the coverages that they are offering.
Take a look at a few important factors that affect your health insurance premium:
Premiums will usually be higher if you have a family history of a certain illness as you are most likely at risk of that illness too.
As you age, your premiums will most likely increase since advancing age is often accompanied by health issues.
A policy with a longer duration would mean lesser premiums and vice-versa.
The premium may also be affected by the nature of your work and the resulting level of risk you face.
Vices such as smoking lead to a host of health complications. This is why premiums are usually higher for smokers.
People with higher BMI generally have to pay higher premiums as compared to those with a normal BMI.
Premiums can also be impacted by the location in which you stay. For instance, if your area has an unstable climate, you might be charged with higher premiums.
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 health insurance 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 health insurance 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 favorite spot on the couch, in-between meetings at the office, or even while you are traveling. 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 health insurance 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 health insurance 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 favorite spot on the couch, in-between meetings at the office, or even while you are traveling. 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 6400+ network hospitals, you can enjoy a completely cashless claims process. Upon completion of your treatment, the hospital will file 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 unforeseen situations 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 health insurance 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 health insurance 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 health insurance policy.
