Critical Illness Benefit Policy

The Policy is designed to mitigate the financial risks if diagnosed with a critical illness.

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Critical Illness Insurance

IFFCO-TOKIO Critical Illness Benefit Policy provides you with financial security and peace of mind in the face of critical illnesses. It offers a lump sum benefit upon diagnosis of a covered condition, helping you manage treatment costs and maintain your financial stability during a difficult time.

Here are some of the unique advantages of the IFFCO-TOKIO Critical Illness Benefit Policy:

Lump Sum Benefit
Covers a Range of Critical Illnesses
Individual Coverage
Quick Policy Issuance
10000+ Cashless Hospitals

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Key Features of IFFCO-TOKIO Critical Illness Benefit Policy

Covers 25 Critical Illnesses and Surgeries.

Covers age up to 50 years without any medical tests.

Cost-effective policy with special discounts on family options.

Lifelong renewal.

Sum insured of up to ₹1 crore is offered.

Act of Terrorism stands covered.

What it Covers?

Medical Illness	Medical Event	Surgical Procedure
Cancer of specified severity	Stroke resulting in permanent symptoms	Major Organ (Heart/ Lung/ Liver/ Kidney /Pancreas)
Kidney failure requiring regular dialysis	Permanent Paralysis of Limbs	Human Bone Marrow Transplant
Multiple Sclerosis with persisting symptoms	Myocardial Infarction (First Heart Attack of specified severity)	Open heart replacement or repair of heart valves
Benign Brain Tumor	Third Degree Burns	Open chest CABG
Motor Neuron Disease with Permanent Symptoms	Loss of Speech	Surgery Of Aorta
End-Stage Lung Failure	Blindness
End-Stage Liver Failure	Loss of Limbs
Primary (Idiopathic) Pulmonary Hypertension	Deafness
Parkinson’s Disease Before the Age Of 50 Years	Coma of Specified Severity
Alzheimer's Disease Before the Age Of 50 Years	Major Head Trauma
	Muscular Dystrophy

Exclusions under Critical illness benefit policy:

Pre-Policy Loss:
Any existing loss, injury or accident which occurred before the commencement of the policy.
Intentional Acts:
Injury, disease or damage due to wilful act including attempting suicide or intentional self-injury.
Breach of Law:
Any claim arising or resulting from Insured person(s) committing any breach of law or ordinance or non-compliance of any statuary provision with or without criminal or malicious intent..
Alcohol or Drug Abuse:
Any claim where the cause of illness /accident is intoxication or addiction or overdose of drugs (except as medically prescribed) or narcotics/ alcohol by the Insured.
Military or Law Operations:
Any claim if the Insured person is taking part in a naval, military, air force or law enforcement operation.
Professional Sports:
Any claim arising out of sporting risk in so far as they involve, the training or participation in competitions of professional or semi-professional sportsmen or women.
Adventure Activities:
Any critical illness/medical event/surgical procedure arising out of any Adventure activities/ sports.
War Risk:
Damage as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalization, civil commotion or loot or pillage in connection therewith.
Nuclear Risk:
Any loss to property, consequential loss, legal liability or bodily injury, illness, disease directly or indirectly caused by or contributed to by or arising.
Nuclear Radiations:
ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
Nuclear Hazards:
the radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear component.
Consequential Loss:
Any consequential or indirect loss or expenses arising out of or related to any insured event.

Cancellation

IFFCO-Tokio may cancel the policy on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Policy holder by sending 15 (fifteen)days notice under recorded delivery to the Policy holder at his/her last known address and in such event, IFFCO-Tokio will return to the Policy holder, except in case of fraud or illegality on Policy holder’s part, the premium paid less the pro rata portion thereof for the period the Policy has been in force.

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Critical Illness Benefit Policy

The Policy is designed to mitigate the financial risks if diagnosed with a critical illness.

Critical Illness Insurance

Key Features of IFFCO-TOKIO Critical Illness Benefit Policy

Covers 25 Critical Illnesses and Surgeries.

Covers age up to 50 years without any medical tests.

Cost-effective policy with special discounts on family options.

Lifelong renewal.

Sum insured of up to ₹1 crore is offered.

Act of Terrorism stands covered.

What it Covers?

Exclusions under Critical illness benefit policy:

Pre-Policy Loss:

Intentional Acts:

Breach of Law:

Alcohol or Drug Abuse:

Military or Law Operations:

Professional Sports:

Adventure Activities:

War Risk:

Nuclear Risk:

Nuclear Radiations:

Nuclear Hazards:

Consequential Loss:

Cancellation

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