Buy Critical Illness Insurance Online from IFFCO Tokio

IFFCO Tokio’s Critical Health Insurance Policy is a complete protector. A person by paying just a fraction of the normal premium – instead of paying for a full fledged medical cover – can get complete protection through this Policy, at the most critical time of their life. Some of the ailments that are covered under the policy are Cancer, Renal Failure, Coronary Artery Diseases requiring bypass surgery, major Organ Transplant, Paralytic Cerebral Stroke as well as accidental injuries resulting in loss of limbs.

This Policy can be issued to various categories/groups as under:

• Employers covering their employees including dependants of the employees.
• Pre-identified segment/group where the premium is paid by the State/Central Government.
• Members of registered service clubs.Holders of credit cards or other financial cards.
• Holders of deposit or certificate of Banks/NBFCs.
• Shareholders of public limited companies, cooperative societies etc.
• Students/teachers of educational institutions.
• Members of any other group having common identification or interest.

If the Insured Person(s) is/are for the first time diagnosed during the period of Insurance as suffering of a critical illness, symptoms (and/or the treatment) as defined under point 11 to 19 of “Definition of Words” and/or received Injuries as defined under point 20 of “Definition of Words”, then we will reimburse to you medical hospitalisation expenses incurred in respect of Insured person(s) – as an inpatient, or to Insured Person(s) or to his /her legal heirs up to the amount stipulated against such Insured person in the schedule. In case of availing Cashless Hospitalisation at Network Hospital, no reimbursement of expenses shall be involved.

Some of the important exclusions under the Policy are as follows:

• Treatment pertaining to pre-existing diseases.
• Any medical treatment due to a disease during the first 120 days of commencement of insurance cover.
• Any expense for treatment related to Human T-Cell Lymphotropic Viruses Type II (HTLV-III) or Lymphadinopathy Associated Viruses (LAV) or their mutant derivatives or variations, any syndrome or condition of a similar kind referred to as AIDS.
• Treatment for ailments arising out of drug addiction or alcoholism.
• Any attempted self injury or suicide.
• War, nuclear and terrorism risks.

• Each of the above critical illness mentioned in the Policy must be confirmed by a registered Medical Practitioner and must be supported by clinical, radiological, histological and laboratory evidence acceptable to us.
• We will make payment to Insured Person only once in respect of treatment of any particular critical illness or injury.
• The cover under this Policy in respect of a critical illness or injuries for any Insured Person shall cease upon the reimbursement of medical expenses incurred as inpatient/provision of cashless hospitalisation on the treatment of the critical illness or injuries.