Family Health Insurance
Buy/Renew Family Floater Health Insurance Policy Online

Buy/Renew Family Floater Health Insurance Policy Online
Family Health Insurance also known as a ‘Floater Plan', is like an umbrella that protects your whole family under one policy only. The sum insured is shared among all the insured family members and can be used when the need arises.
Many people question the value of family health insurance. The answer is simple: Family health insurance plans provide comprehensive medical coverage for your entire family, safeguarding them from a wide range of health issues. But that's not all! Family health insurance offers additional benefits that go beyond just financial protection in case of an emergency. Keep reading to explore the advantages of having a family health insurance plan.
A single plan protects your entire family (spouse, children) against medical emergencies and gives financial protection to the whole family under one plan.
As compared to an individual health insurance policy, family plans have a much higher sum insured. This ensures a higher level of protection for your loved ones.
Premiums are generally lower for family health insurance plans compared to buying individual plans for each family member.
It is easy to manage one plan for the whole family as it simplifies the renewal and claim processes.
In case of medical emergencies, this plan protects your savings from being wiped out by unexpected medical bills for any of the insured family members.
You can avail of tax deductions on premiums paid for family health insurance and save up to ₹ 1,00,000 under Section 80D of the Income Tax Act.
Knowing your family is protected from medical expenses provides peace of mind and allows you to focus on their well-being rather than stressing about the uncertainties of life.
You can easily include new members of your family in the family medical insurance plan. You don’t have to go through too many formalities, and it’s much simpler than getting a new individual plan.
Having a family health insurance plan in place eliminates the worry of incurring unexpected expenses that may arise due to hospitalization.
Few reasons to consider IFFCO Tokio Health Insurance :
Instant Quote
Easy Renewals
Simple Process
Instant Policy Issuance
Reliable 24*7 Support
Personalized plans
High Claim Settlement Ratio
Secure Payments
Our customers have rated us
Based on 1841 reviews
Hassle-free claim process for my medical bills.
I like the features offered by IFFCO Tokio.
Robust coverage options and hassle-free enrollment process
While researching for critital illness insurance policies online, I came across Iffco Tokio. After going through both policies in detail, I realised that these policies are good and completely apt for my needs.
Had no problem while renewing my family Health Insurance policy.
Simply amazing. Keep it up.
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 |
Co-pay | Nil |
Critical Illness | Covered |
No medical test | Upto 60 years |
Reinstatement Benefit | Available |
Day Care Cover | 380+ procedures covered |
Online Renewal | Available |
Lifelong Renewal | Yes |
Tax Benefit under 80D | Upto 1 Lakh |
Cashless Treatment | Available at 7000+ hospitals |
COVID-19 Treatment | Covered |
Claim Assistance | With 24/7 customer service |
Pre Hospitalization Expenses | Upto 60 Days |
Post Hospitalization Expenses | Upto 90 Days |
Nursing Expenses | Covered |
Wellness Benefits | Covered |
Get Cashless Treatments in 7000+ Network Hospitals
Did you know that a single hospitalization can wipe out your savings? Fortunately, a family health insurance plan from IFFCO Tokio can safeguard your finances in case of an unexpected medical emergency. It offers comprehensive coverage for your entire family at an affordable cost. Let's check out a out a few amazing features offered by the IFFCO Tokio Family Health Insurance Plan:
IFFCO Tokio has 7000+ hospitals on its network but now with ‘Cashless Anywhere’ program, you can avail medical services at any hospital without worrying about upfront payment.
There is no need for you to undergo any medical check-up or test up to the age of 60.
If you use a part of your insurance coverage amount (sum insured) to settle a medical bill, then this benefit helps replenish your coverage back to the original amount. So, you have the full amount available again to cover future medical expenses during the current policy period.
You can keep getting the benefit of your coverage as long as you keep paying the premiums for your health insurance policy. This ensures you have health insurance throughout your life.
In case of hospitalization, you'll get a daily cash benefit (up to ₹1,000) to help cover extra expenses during your stay, like food or toiletries.
Our claim process is absolutely hassle-free, and we make sure to settle the claims as quickly as possible.
The insurance covers expenses associated with your illness for up to 60 days before you're admitted to the hospital and up to 90 days after you're discharged.
Our medical insurance covers ambulance charges up to ₹2,500.
For every claim-free year, you can become eligible for a bonus, which is basically a reward for being healthy and not making any claims during the previous policy period.
We have designed our wellness programs in a manner that can benefit you in maintaining a healthy lifestyle and keeping a regular check on your health.
It’s our responsibility to protect our family from uncertainties without having to worry about finances. With the IFFCO Tokio Family Health Insurance Plan, you can rest assured that your loved ones are protected against unfortunate events. The coverage benefits that you get with us are as follows-
Our family health insurance covers more than 380 Day Care Surgeries.
Hospitalization charges including Room Rent Expenses, Surgical Expenses, Registration etc.
Includes pre and post-hospitalization medical expenses for true peace of mind.
Health Check-ups & Vaccination expenses are included with Family Health Insurance.
Health Insurance cover expenses for treating critical illnesses.
Our Family Health Insurance Policy covers ambulance service.
Our Family Health Insurance covers AYUSH treatments.
Our Family Health Insurance covers Laboratory Services.
Buy/Renew Family Floater Health Insurance Policy Online
Room Rent Waiver- Get a hospital room as per your requirement, with no limit on room rent.
Consumables- Treatment essentials like syringes, masks, bandages, etc., are covered with this add-on.
Wellness Benefit- Avail valuable benefits like e-pharmacy, yoga sessions, and rewards along with discounts on renewal.
Critical Illness- Your sum insured gets doubled in case you get diagnosed with a life-threatening illness to help you manage treatment costs.
It is our constant effort to provide your family with comprehensive protection from medical exigencies and ultimate protection. Every family health insurance policy will have a set of limitations. These exclusions refer to medical conditions and expenses that are not covered by the family medical insurance policy. These usually include, but are not limited to:
Any procedure that does not address any medical condition but aims to improve one’s appearance will not be covered under your family health insurance plan.
Dental care, including surgeries or implants, often focuses on preventive measures like cleanings and check-ups.
Childbirth and pregnancy are considered natural events and not medical problems. Hence, such conditions are not covered under your policy.
A health insurance plan for your family will not cover any self-inflicted injuries.
Any medical emergency arising due to war, adventurous sports, a nuclear explosion, etc., is considered outside the scope of health insurance, and your policy will not provide coverage for such events.
Buy/Renew Family Floater Health Insurance Policy Online
Buy/Renew Family Floater Health Insurance Policy Online
Buying health insurance for your family is important, but selecting the right plan that would benefit all family members is even more important. We have listed a few key factors that you should consider before making the final purchase of your family health insurance plan.
There can be some factors which can impact your eligibility to buy a family health insurance plan-
To buy a health insurance plan, your age should be between 18 and 60 years.
Our policy covers Indian nationals residing in India only.
Any pre-existing medical conditions including chronic illness or any disorder would impact the coverage of your plan and may have varying waiting period.
If you have any habits like smoking or alcoholism that can negatively impact your well-being, then both your eligibility and premium rate will be affected.
If your job is risky in nature, you might have some specific eligibility criteria.
Buy/Renew Family Floater Health Insurance Policy Online
When you buy a family medical insurance plan online, you can enjoy multiple benefits. A few benefits are:
You can buy the family health insurance policy online from our website within a few minutes by making a few clicks on your laptop or mobile device.
You do not have to physically visit the branch or adhere to our office hours. You can also buy a family medical insurance plan while at the office, at home, or while you are traveling.
One of the best things about buying a family medical insurance plan online is that you get instant access to your policy as soon as you make the payment.
Our health insurance experts are always happy to answer all your medical insurance-related queries so that you can choose the right plan.
Every minute detail relating to your policy is made available to you so that you are able to make an informed decision.
Your payments are processed via a secure gateway, ensuring your credentials remain protected.
The process of purchasing a family health insurance plan is quite simple; all you have to do is follow these simple steps.
Buy/Renew Family Floater Health Insurance Policy Online
You can enjoy a quick renewal of your policy by simply visiting our website and filing a claim online.
Renewing your policy online has simple steps and a user-friendly interface to make the renewal process smooth and straightforward.
You can renew your family health insurance policy from anywhere. You just need an internet connection, and within minutes, you’ll have your policy renewed without contacting any agents or visiting a branch in person.
You can make the payment via our secure payment gateways using multiple modes like credit card, debit card, net banking, wallets, UPI, etc.
Regardless of our business hours, the online policy renewal portal is accessible and available to you anytime of the day or night.
Online renewals eliminate the paperwork and make the whole process environment-friendly.
You can renew your family health insurance via following simple steps –
Buy/Renew Family Floater Health Insurance Policy Online
Don't let medical bills become a source of stress and financial strain. A family health insurance plan is an essential safeguard for young families, working professionals, and anyone who wants to prioritize their loved ones' well-being.
A family health insurance plan protects your loved ones by covering a wide range of medical expenses, including hospitalization, diagnostic tests, pre- and post-hospitalization bills, and even ambulance services. Family Health Insurance Plans also offer cashless hospitalization facilities and coverage for daycare procedures.
Get peace of mind and ensure your family's well-being. Here are some key features of family health insurance:
Unlike an individual health plan, the sum insured can be utilized by any of the insured family members as and when required.Our family health insurance covers more than 380 Day Care Surgeries.
Family health insurance plans are a budget-friendly option for getting comprehensive healthcare for all family members as compared to individual health insurance plans
You get to experience the benefit of covering all your loved ones under one policy instead of purchasing a separate plan for every individual.
Get Cashless Treatments in 7000+ Network Hospitals
While both plans provide coverage for medical bills, there are some features that make them different from one another.
Family Health Insurance- A health insurance plan for your family helps you cover all your family members under one umbrella. The sum insured is shared among all the members added to the policy, and the premium is generally lower as compared to an individual health insurance plan.
Individual Health Insurance- An individual health insurance plan covers you specifically, with a plan tailored to suit your insurance needs. However, you can cover multiple family members and select the sum insured for each member individually. The premium tends to be on the higher side, but the benefit it reaps is worth the money.
Here’s a table to summarize the key differences-
Feature |
Family Health Insurance (Floater Plan) |
Individual Health Insurance |
Who's Covered |
Floater cover - Entire family (Self, Spouse, children, dependent parents etc) is covered under one plan |
Sum Insured for each individual (Self, Spouse, children, dependent parents etc) provided separately |
Sum Insured |
Coverage for up to ₹30 lakhs shared among insured members |
Coverage for up to ₹20 lakhs for every insured individual |
Premium |
Lower cost per person (depends on family size/ages) |
Higher per person |
Customization |
Limited - one plan applies to everyone |
Flexible - choose your coverage and plan details |
Renewals |
One renewal required |
Separate renewals for each individual policy |
Flexibility |
Less flexible - one plan fits all |
More flexible for individual needs |
Feasibility |
Suitable for families with young children as health risks are lower |
Ideal for individuals with specific medical insurance needs |
Pre-hospitalization |
Expenses covered for up to 60 days |
Expenses covered for up to 60 days |
Post-hospitalization |
Expenses covered for up to 90 days |
Expenses covered for up to 90 days |
Ambulance charges |
Up to ₹2,500 covered |
Up to ₹2,500 covered |
There are two 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 medical treatment and have settled all the hospital bills, you can easily file a reimbursement claim by calling us at our toll-free number, 1800 103 5499, within 7 days of your discharge. You’ll need to submit your claim documents to our local office address to settle your claim.
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 :
Intimation- You need to inform us about your hospitalization so that we can better assist you with settlement of your medical bills.
Hospitalization- Once you are admitted to the hospital, the hospital will verify your health insurance plan’s coverage and obtain approval for your treatment as per the policy terms.
Claim settlement- After receiving the medical treatment and getting discharged from the hospital, the hospital will directly settle the bill with us and you don’t have to pay anything out of your own pocket.
Intimate
Survey & Verify
Settle
You can register a claim via following options :
Telephonic (Call Centre)
Online (Website)
Walk-In
SMS
Let’s check these steps in detail –
Telephonic (Call Centre) - You can register for a claim compensation by reaching us on 1800-103-5499 or 0124- 4285499 and our customer care executives will guide you with the further procedure.
Online (Website) - To make a claim online, visit our website, then log in with your registered Email ID and Password. When you log in, just click on find the ‘make a claim’ option and follow the steps mentioned.
Walk-In - Please feel free to visit your policy issuing branch Mon–Fri from 9:30 AM to 6:00 PM (excluding national holidays) if you wish to discuss your claim in person. To learn more about our branch locations, please use our Branch Locator.
SMS – To simplify your claim journey, you have to just SMS “CLAIM” to 56161 and one of our Claims representatives will get in touch with you in 4 Working Hours.
Note: Please have all the details pertaining to Loss description, Cause, Workshop/Hospital details, etc. ready at the time of the call.
Email - You can email us at "support@iffcotokio.co.in" with your policy and mobile number, and our support staff will get in touch with you to initiate the claim process.
Get Cashless Treatments in 7000+ Network Hospitals
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 |
No medical test | upto 60 Years | upto 55 Years |
Cumulative Bonus | 10% | 5% |
Maximum Cumulative Bonus | Upto 100% | Upto 50% |
Diseases covered under Day Care | 380+ diseases | 12 diseases |
Pre Hospitalization Expenses | Upto 60 Days | Upto 30 Days |
Post Hospitalization Expenses | Upto 90 Days | Upto 60 Days |
Member Covered |
|
|
No Co-Pay | 5% co-pay for every claim | |
Daily Cash Benefit | ||
Domiciliary Hospitalization | ||
Critical illness extension | ||
Reinstatement Benefit | ||
Day Care Treatment | ||
Online Renewal | ||
Lifelong Renewal | ||
Tax Benefit under 80D | ||
Cashless Treatment | ||
COVID-19 Treatment | ||
24/7 Claim Assistance | ||
Nursing Expenses | ||
Health Checkup | ||
Wellness Program | ||
Organ Donor Coverage | ||
AYUSH Coverage limit |
While both the health insurance plans offer medical coverage, the extent of coverage differs largely. Arogya Sanjeevani is a standard health insurance policy introduced by IRDAI with a maximum sum insured of ₹ 10 lakh and is optimal for providing basic coverage. However, with a family health insurance plan, you get comprehensive coverage for the entire family under one umbrella. Given the wider scope of coverage of family health insurance policy, it provides better protection to your loved ones.
Download Forms
Write us at Support@iffcotokio.co.in
Call us on 1800-103-5499