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Family Health Insurance
Buy/Renew Family Floater Health Insurance Policy Online
Buy/Renew Family Floater Health Insurance Policy Online
Get Rewardedfor staying healthy
Save upto ₹ 1 Lakh Tax Deductionsunder section 80D
A Family Health Insurance plans are cost effective medical insurance plans that provide coverage to your entire family against medical expenses incurred during a hospitalization.
Our family health insurance plans provide cover for hospital bills, diagnostic tests, scans, pre & post-hospitalization expenses, and numerous other healthcare expenses. All this, so you can rest assured knowing that your family is taken care of!
It is extremely important to protect your near and dear ones with a good family health insurance policy.Having adequate coverage gives you complete peace of mind from the following factors.
Double-digit healthcare inflation is causing all medical expenses, medicines, diagnostic tests, doctor fees etc to shoot through the roof. Fortunately, you can insulate yourself from the escalating costs of healthcare with a family medical insurance.
Your lifetime saving can be wiped out with just one medical emergency. While we cannot predict medical emergency, we can definitely prepare for them by simply purchasing a good family health insurance policy.
A good family medical insurance policy for the family will allow you to focus on your treatment & recovery, rather than worry about money. We have over 7000+ network hospitals where you can undergo cashless treatment.
Family medical insurance plans cover everything, from minor medical expenses to major illnesses and accidental injuries. Basically, you get complete peace of mind for you & your loved ones.
Family health insurance plans are also a great way to do tax planning. Buying family health insurance can help you to enjoy tax benefits upto ₹ 1 Lakh under Section 80D of the Income Tax Act.
In the unpredictability of life, a family health insurance plan by IFFCO Tokio provides coverage for the whole family at an affordable premium. Our plans designed are keeping in mind the unique needs of diverse Indian families. You can cover your dependent parents, siblings as well as family members living together, including a brother-in-law or a sister-in-law. Now, selecting a comprehensive family health insurance plan was never this easy.
|Key Features||Benefits of IFFCO Tokio|
|Sum Insured||Up to Rs. 30 lakhs|
|Room Rent Charges Covered||Up to actuals|
|ICU Charges Coverage||Up to actuals|
|Ambulance Charges Coverage||Up to Rs.2,500|
|Daily Allowance Coverage||Up to Rs.1,000 per day|
|No medical test||Upto 60 years|
|Day Care Cover||380+ procedures covered|
|Tax Benefit under 80D||Upto 1 Lakh|
|Cashless Treatment||Available at 7000+ hospitals|
|Claim Assistance||With 24/7 customer service|
|Pre Hospitalization Expenses||Upto 60 Days|
|Post Hospitalization Expenses||Upto 90 Days|
|Member Benefits||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|
We are always looking to financially secure our family. In case of any emergency, we always want our family to be covered without having to worry about finances. This is why it is so important to buy a family health insurance policy that provides sufficient coverage for our loved ones. Take a look at the coverage your family would receive under IFFCO Tokio family health insurance plans:
More than 380 Day Care Surgeries.
Hospitalization charges including Room Rent Expenses Registration etc.
Health Check-ups & Vaccination expenses
Pre & Post-hospitalization Medical Expenses
Critical Illness & Emergency Assistance Services
AYUSH hospitalization expenses
Laboratory services & Prescription medicines
It is our constant effort to provide your family with comprehensive protection from medical exigencies. However, many policyholders often forget that their insurance policies do not cover everything. Every family health insurance policy will have a set of exclusions. These exclusions refer to the medical conditions and expenses that are not covered by the family medical insurance policy. These usually include, but are not limited to:
Cosmetic or Obesity treatment
Dental treatment or surgeries, including implants
Medical expenses due to deliberate injury to oneself
Injuries suffered due to adventure sport, war, nuclear explosion, defence operations
Our customers have rated us
Based on 1050 reviews
Family health insurance team at IFFCO TOKIO is very efficient. Excellent service.
Had to go through minimum documentation while buying a family health insurance. Saved a lot of time.
There are 2 ways in which you can make claims on your family health insurance plan. You can either go for a cashless claim settlement or opt for reimbursement on your claim. Let us take a look at how each one works:
Once you have received treatment and settled all the hospital bills, file for reimbursement. Submit the claim documents to our local office address after calling up our toll number 1800 103 5499. Make sure to call for reimbursement within 7 days from the date of your discharge.
In this procedure, you get cashless treatment from one of the network hospitals tied up with us. The cashless claims procedure is very easy and can be done in three simple steps:
Survey & Verify
Get Cashless Treatments in 7000+ Network Hospitals
Though Individual & family health insurance plans both protects you from medical expenses, still there are number of differentiating factors. We have highlighted few main differentiating factors between these two types of health insurance policies.
Covering every member of your family with an individual health insurance policy can be very expensive. However, family health insurance policy will work out to be way more affordable.
You can get a higher sum insured with a family medical insurance policy.
With a family health insurance policy, you have a single premium & policy document. However, it may not be possible if you opt for separate health insurances for all your family members.
There are lot of people who always wonder - Why should I buy a Family Health Insurance policy or what are the benefits of buying family health insurance. Answer to this question is very simple. Family health insurance plans provide all-around coverage against numerous medical exigencies. In addition, they also provide you the following benefits:
Did you know you can also get tax benefits once you buy a family health insurance policy? According to Section 80D of the Income Tax Act, the premiums that you pay for any health insurance policy can be claimed for tax deductions. This way you can choose a good family health insurance policy that provides you suitable coverage as you are getting tax benefits through your premiums.
Here is a closer look at how you can claim tax deductions:
|Self and family below 60 Years||Self and Family below 60 Years & Parents Below 60 Years||Self and Family above 60 Years||Self and Family below 60 Years & Parents Above 60 Years||Self and Family above 60 Years & Parents Above 60 Years|
|Deduction for Self, Family, Children||₹ 25,000||₹ 25,000||₹ 50,000||₹ 25,000||₹ 50,000|
|Deduction for parents||₹0||₹ 25,000||₹0||₹ 50,000||₹ 50,000|
|Maximum deduction||₹ 25,000||₹ 50,000||₹ 50,000||₹ 75,000||₹ 1,00,000|
Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
Picking the right health insurance plan can be an overwhelming task, especially if you have never purchased a plan before. Keeping this in mind, we have put together some basic tips that will help you to opt for a family medical insurance policy that will suit the medical needs of your family.
You need to choose a sum insured based on the number of family members, the rate of inflation, the, city you live in as well history of medical conditions for family members to be insured.
Our family medical insurance policies cover hospital bills, diagnostic tests, scans, pre & post- hospitalization expenses etc. You can also add critical illness cover to get comprehensive protection in case of a medical emergency.
The premiums of your plan should be affordable without sacrificing coverage. Instead, look for a family medical insurance plan that offers good coverage at a justified price!
Our family health insurance plans give you access to over 7000+ network hospitals ensuring convenient & cashless treatment across the country.
We have high claim settlement ratio. This ensures that, as long as you make a justifiable claim for a medical condition covered under your health insurance, your claim will most likely be approved.
|Features||Family Health Protector (FHP)||Arogya Sanjeevani Family Policy (ASF)|
|Sum Insured||Up to Rs. 30 lakhs||Up to Rs. 10 lakhs|
|Room Charges||Up to actuals||Maximum to Rs.5,000/- per day|
|ICU Charges||Up to actuals||Maximum Rs.10,000/- per day|
|Ambulance Charges||Up to Rs.2,500||Up to Rs. 2,000|
|Daily Cash Benefit|
|Critical illness extension|
|No medical test||upto 60 Years||upto 55 Years|
|Maximum Cumulative Bonus||Upto 100%||Upto 50%|
|Day Care Treatment|
|Diseases covered under Day Care||380+ diseases||12 diseases|
|Tax Benefit under 80D|
|24/7 Claim Assistance|
|Pre Hospitalization Expenses||Upto 60 Days||Upto 30 Days|
|Post Hospitalization Expenses||Upto 90 Days||Upto 60 Days|
|No Co-Pay||5% co-pay for every claim|
|Organ Donor Coverage|
|AYUSH Coverage limit|
When you buy a family medical insurance plan online, you can enjoy multiple benefits. Few of benefits are -
There are two ways you can buy a family medical insurance policy from us. The first way is to visit one of our many branches spread across the country. Our team will understand your needs and will guide you to buy a family medical insurance from us.
Alternatively, you can purchase family health insurance plans online. The process is quite simple; all you have to do is follow these simple steps.
Fill Out health details.
Customize your plan.
Make the purchase.
Have a look at the benefits of renewing your family health insurance online:
You can renew your family health insurance via following simple steps –
Before you go ahead and buy a family health insurance policy, you need to be aware of the following factors that would affect your premium:
One of the most important factors that influence your family health insurance policy is the age of family members to be insured. Premium for older people would be expensive as compared to younger people.
If you family have a history of a specific illness, the premium of your family health insurance policy may get affected.
If the nature of your work is such that you are being exposed to health hazards, the premiums for your family medical insurance policy would be higher.
If you stay in a place where you might face health complications due to environment, you may be more prone to diseases, which may increase the premiums of your family medical insurance policy.
If you have a very high BMI (Body Mass Index), the premium of your family health insurance policy may be high because people with a very high BMI are at serious health risk of diabetes, heart diseases, high BP, cancer, and so on.
If you opt for a longer policy tenure, insurance company may provide you additional discount resulting in reduction in premium amount as compared to shorter policy tenure.
Harmful habits such as smoking could lead to a host of health complications, thus leading to higher premium in family medical insurance as compared to those who do not smoke.
|Sr. No.||Name of the Add-On Product||UIN|
|2||Group Global Medishield||IFFHLGA24022V012324|
|3||Group Global OPD||IFFHLGA24023V012324|
*Disclaimer-On the basis of your profile, premium may change. Premium displayed is for two members between 20-25 years of age. Per day premium is for indication only, Premium is payable on Annual basis.