|Key Features||Benefits of IFFCO-Tokio|
|Sum Insured||Rs. 1 lakh to Rs. 5 lakhs|
|Room Charges||Up to 2% of the sum insured subject to maximum of Rs.5000/- per day|
|ICU Charges||Up to 5% of the sum insured subject to maximum of Rs.10,000/- per day|
|Ambulance Charges||Covered up to Rs. 2,000 per hospitilization|
|Daily Allowance Cover||Not Available|
|Critical Illness||Not covered|
|No medical test upto||Age 55|
|Reinstatement Benefit||Not Available|
|Day Care Cover||12 Diseases covered upto 50% of Sum Insured|
|Tax Benefit under 80D||Available|
|Cashless Treatment||Available at 5000+ Hospitals|
|Claim Assistance||With 24/7 customer service|
|Pre and Post Hospitilisation Expenses||Covered|
|Members Covered||Yourself, wedded spouse, parents, parents-in-law, dependent children between the age 3 months to 25 years|
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities and such similar other expenses.
Cataract: Up to 25% of Sum insured or Rs.40,000, whichever is lower (for each eye).
Dental treatment, necessitated due to disease or injury
Expenses incurred on road Ambulance subject to a maximum of Rs.2000 per hospitalisation.
Expenses related to any admission primarily for diagnostics and evaluation purposes.
Rest Cure, rehabilitation and respite care.
Obesity/Weight Control-Expenses related to the surgical treatment of obesity
Cosmetic or plastic Surgery
Hazardous or adventure sports
Breach of law
Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
Dietary supplements and substances that can be purchased without prescription.
Refractive errors related treatment expenses, unproven treatments, sterility & infertility
War (whether declared or not) Nuclear, chemical or biological attack or weapons etc
Any expenses incurred on Domiciliary Hospitalization and OPD treatment
The insured may cancel this policy by giving 15 days written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired policy period.