In the unpredictability of life, the Family Health Protector Policy by IFFCO-Tokio provides coverage for the whole family at an affordable premium.
What it covers?
Critical illness coverage can be added to this plan.
It covers all the basic expenses that a family seeking for health cover requires in general.
It could be the doctor’s consultation charges, organ donor expenses, ambulance charges, a cashless hospitalization facility, pre, and post-hospitalization facility for the usual number of days available in the plan, domiciliary hospitalization, so on and so forth.
There is no room rent limit for a sum insured which is more than 7 lakhs.
Coverage for ambulance charges is available.
It covers AYUSH treatment processes.
Substance abuse, consumption of intoxicating substances, smoking, drugs/alcohol, and tobacco chewing.
Unless necessitated due to accidental injuries warranting hospitalization, dental treatment or surgery are not payable. (Dental implants are not payable)
Congenital External Defects /Anomalies and Conditions.
Biological, Oral Chemotherapy and Immunotherapy, other than when given as an in-patient, indicated clinically and warranted due to hospitalization.
Run-down condition, Nutritional deficiency state, convalescence, rest cure or general debility.
Medical conditions caused directly or indirectly or attributable toasts of foreign enemy, war, warlike operations or invasion, whether there is a war declaration or not.
Deliberate injury to oneself.
If the following conditions which are aggravated by diabetes are present in you or any of the family members(s), considered on an individual basis, at the time of subscribing to the first health policy for family by the insured person, it will be considered as a pre-existing condition and shall be subject to a waiting period of 48 months before being covered: -
Diabetic Foot Wound.
Diabetic Ketoacidosis or Hyper Hypoglycemia.
If the following conditions which are aggravated by hypertension are present in the insured person(s), on an individual basis, at the time of subscribing to the first family health insurance policy by the insured person, will be considered as a pre-existing condition and shall be subject to a waiting period of 48 months before being covered:
Hypertensive Heart Disease such as Congestive Heart Failure(CHF) etc. or Coronary Artery Disease (CAD).
Cerebro Vascular Attack.
In case you want to cancel your health insurance plans for a family, the following procedure needs to be followed: -
A family floater policy is a single insurance policy that covers all your family members and dependent children with a single sum insured. This family health insurance plan takes care of all medical and hospitalization expenses incurred during the validity of the policy.
In most cases taking a floater health mediclaim policy for your family is a better option as you can enjoy a higher sum insured with minimum premium payment, as chances of multiple family members falling ill together are very remote.
A health insurance policy can be described as a binding contract between IFFCO Tokio and you wherein we agree to indemnify you and other insured members of your family for any hospitalization expenses incurred while you are under the coverage of medical policy for the family. It covers all hospitalization related expenses for most medical conditions.
At IFFCO Tokio, we understand the importance of the wellbeing of your family members for you. Therefore we offer a vast variety of mediclaim for family plans with varying coverage and benefits, to choose from. You can choose a policy according to your preference and offer protection to your family against any unforeseen exigencies.
In modern-day society, health insurance has become more of a need rather than a luxury. With the kind of polluted and dangerous surroundings that we live in, access to quality medical care is very crucial. But with quality medical care becoming very expensive, if any of your family members need to be hospitalized in the absence of a health insurance plan for the family, there are good chances that all your savings might be wiped off.
With health insurance plans for family, you and your family members are able to enjoy the safety blanket offered by a floater policy wherein depending on your policy, your medical expenses up to the extent to Rs. 30 Lacs shall be reimbursed to you in case you ever need to make a claim.
At IFFCO Tokio, we understand that different families have different needs; that is evident in our health insurance plans for family. The premium for the medical insurance for the family depends on the extent of coverage and range of additional benefits chosen by you. We also offer you the benefit of opting for additional cover for critical illness by paying a basic premium amount and enjoy much higher coverage benefits. For more details, you can Click here or get in touch with our customer care department.
Selecting a family health insurance plan is not an easy task when there are so many plans available online. But by comparing the cost of premium and features, I found IFFCO-Tokio family health insurance policy to be the best one.
Rated by: Manoj Dwivedi
I was looking for a family health plan with good coverage. I came across quite a few policies, which were very comprehensive in nature. In the end, I chose the family health plan of IFFCO-Tokio on the basis of its wholesome family insurance cover.
Rated by: Anshul
IFFCO-Tokio has some very good family health insurance plans. I did some insurance plan comparisons online and then settled for the Individual Health Protector Plan.
Rated by: Amit Kumar
IFFCO-Tokio is the only insurance company that had health insurance plans with best, substantial and useful benefits. I definitely recommend checking IFFCO-Tokio.
Rated by: Pawan Rastogi
Family Health Protector Policy by IFFCO-Tokio had everything I was looking for; it provided coverage for the whole family at a truly affordable premium. It completely covered expenses related to hospitalization, treatment, surgery, organ transplantation etc.
Rated by: Rina
IFFCO-Tokio’s family health insurance policy is surely the best one to choose from. It offers coverage for alternative treatments like Ayurveda, Homeopathy, Unani, Sidha, etc., which is hard to find in other health insurance policies. The overall process of buying was really simple using the online mode.
Rated by: Himank Rai
I have been renewing my health policy with IFFCO-Tokio for the past three years and I am completely satisfied. Additionally, the claim process is swift and hassle-free.
Rated by: Ram Kumar
I did not pay a single penny out of my pocket as the family health insurance policy took care of all my hospitalization expenses. Now, I strongly recommend everyone to get a health insurance cover like IFFCO-Tokio, as it totally relieves you of your financial worries during the time of distress.
Rated by: Kiran gupta
The FHP family health insurance by IFFCO-Tokio is one of the best plans that you can find in India. Itscoverage spans not only your spouse and children, but also dependent parents, siblings, niece, nephew,and brother-in-law and sister-in-law.
Rated by: Mukesh Pandey
It was really good to get Health Insurance from IFFCO-Tokio. Family Health Protector Policy Covers my whole family and don't need to look for another insurance. IFFCO-Tokio you are the best.
Rated by: Yukti Khambra