Family health Insurance

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  Covers Everyone: From your children to your uncles and cousins, everyone gets medical protection under one plan.

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  Saves Money: It is much cheaper than buying a separate policy for each family member.

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  Easy to Manage:You only have to pay one time a year. No need to remember different dates for different people.

Note: Family Health Insurance Policy covers pre- and post-hospitalization check-ups, hospital bills, scans, and diagnostics across India.

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  Get the Room You Want (Room Rent Waiver)- Remove the limit on room rent charges so you can pick a higher-category room

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  Consumables- Usually, items like gloves, masks, and syringes are not covered. This add-on covers those costs too.

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  Critical Illness- Your sum insured gets doubled in case you get diagnosed with a life-threatening illness to help you manage treatment costs.

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  Traditional Method:

  Traditional Method - (Personal Guidance) Best if you prefer face-to-face interaction.

  Online Method – (Fastest) Best for people who want instant policy issuance.

  Traditional Method:

  Choose the method that suits you. Get covered in minutes.

  Steps to buy or renew policy offline:

  Visit Us:: Walk into your nearest IFFCO-Tokio Branch.

  Speak to Expert: Our advisor will explain the plans and help you choose the best one.

  Paperwork: Fill out the proposal form and pay via Cheque/DD.

• 

  Online Method:

  Buying or renewing your policy online is quick and secure:

  Visit Website: Click on "Calculate Premium" at the top of this page.

  Fill Details: Enter basic details like Name, Age, and Family Members.

  Customize: Choose your Sum Insured (e.g., ₹5 Lakhs, ₹10 Lakhs) and any Add-ons.

  Pay Securely: CPay via UPI, Google Pay, Credit Card, or Net Banking.

  Done! Your policy is emailed to you instantly. No physical paperwork required.

  No paperwork. No branch visits.

• 1 What Is Health Insurance?
  Health insurance is an agreement wherein IFFCO Tokio offers coverage against medical expenses incurred by you or your family members. In return, you will have to pay a pre-decided premium amount every year. With a health insurance policy, you will be protected against hospital bills, pre- and post-hospitalization expenses, and numerous other medical costs that may arise during an illness, injury or healthcare procedure.
• 2 What Do You Mean By Family Floater Policy?
  A family floater health insurance policy allows you to cover your entire family under the umbrella of one health insurance policy and with the payment of a single annual premium amount. The sum insured of this policy is shared amongst the insured family members and can be used to cover hospital bills and other medical expenses.
• 3 Which Family Health Insurance Policies Are Offered By IFFCO Tokio?
  Every customer has different requirements. Therefore, we at IFFCO Tokio, offer a plethora of family health insurance policies that vary in coverage, premium, and benefits. You can call on our toll-free number to speak to one of our insurance experts or visit one of our branches to get a tailor-made health insurance plan for you and your family.
• 4 Does Your Health Insurance Plan For Family Cover Everything From Accident, Surgery, Normal Hospitalization?
  There are a wide range of diseases, injuries, and accidents that are covered under a health insurance policy for family. However, every insurance policy has different sets of inclusions and exclusions. This is why it is advisable to understand the policy wordings before buying one.
  Additionally, make sure that you disclose all the pre-existing conditions and health issues of every family member that needs to be insured so that we can understand your needs and suggest the best plans for your family.
• 5 Are Diagnostic And Investigative Tests Covered Under The Family Mediclaim Policy?
  Yes, various medical tests are covered under the family mediclaim policy. These tests include blood tests, stool tests, CT scans, X-rays, sonography, MRI, and so on. However, a proper prescription is required and the test must be a part of the treatment of an ailment mentioned in your health insurance policy. Only then you will be able to make claims for such tests.
• 6 What Are The Advantages Of Sticking To One Health Insurance Company For A Long Time?
  If you stick to one insurance company for a long time, you will be able to enjoy the following benefits:
  • It will make it easier for you to claim the continuity benefits.
  • Certain ailments have a waiting period until which you cannot make any claims. Due to this condition, it is advisable to not change insurance providers frequently.
  • You can avail of benefits of all the accumulated bonuses that offer you additional coverage in addition to the sum insured.
  • The claim settlement is faster if you have had a long-term association with the insurance company.
  • Many insurance providers also offer discounts and special bonuses for their long-term customers.
• 7 What Kinds Of Family Health Insurance Covers Are Available?
  At IFFCO-Tokio, we understand that every family is unique. That’s why we offer 3 different kinds of family health insurance plans for you to choose from:
  • Standard Family Health Insurance.
  • Health Protector Plus Policy.
  Each of these plans is designed to suit varying needs and requirements. Moreover, they also come with a range of add-on covers as well. This ensures that you get a health insurance policy that is perfect for you & your family.
• 8 What Are The Benefits Of A Family Health Insurance Plan?
  A Family Health Insurance will provide coverage for your entire family at an affordable premium. The policyholder can cover their siblings, parents, and family members whom they live with. This even includes their brother or sister-in-law.
  Following are the main benefits of a Family Health Insurance plan:
  • Coverage without medical test up to the age of 60.
  • Daily allowance up to a maximum of Rs.1000/- per day.
  • 8000+ network hospitals for cashless services.
  • Reinstatement of sum insured after a claim during the policy period.
  • 3-lakh cover for 2 adults and 1 child at only Rs.25/- per day.
  • Lifelong renewal guarantee.
• 9 What Are The Tax Benefits I Get If I Opt For Family Health Insurance Policy?
  According to Section 80D of the Income Tax Act, you can enjoy the following tax benefits on your family health insurance policy:
  • If no one in your family is aged above 60 years, you can enjoy tax deductions up to Rs. 25,000 on your taxable income.
  • If one of your parents is above 60 years of age, you can get avail combined tax deductions of up to Rs. 50,000 on your taxable income.
  To know more, visit the IFFCO Tokio website or talk to one of our experts at our nearest branch today!
• 10 What Happens To The Cover Of A Mediclaim Policy For The Family After A Claim Is Filed?
  After a claim is filed for medical treatment of an insured family member, the claim amount is deducted from the sum insured and the remaining amount can be used for other medical emergencies.
  If the entire sum insured is exhausted, you can reinstate your sum insured by paying a small amount to your insurance provider. This way, you and your family will continue to be protected under the blanket of a family health insurance policy.
• 11 What Does A Family Health Insurance Policy Not Cover?
  Your family health insurance plan does not cover the following:
  • Some pre-existing conditions are not covered under the family health insurance plans.
  • Family health insurance plans do not include cosmetic treatments.
  • Some medical conditions are only covered by a family health insurance plan after a waiting period of about 2 to 3 years.
  To understand more about the exclusions of a family health insurance policy, call on our toll-free number or reach out to us at our nearest IFFCO Tokio branch.
• 12 Are Daycare Procedures Covered Under Family Health Insurance Plan?
  Yes, most family health insurance plans offer coverage for daycare procedures. With IFFCO Tokio, you are covered for over 380 daycare procedures including cataract surgery, tonsil removal procedure, and so on.
• 13 Which Family Member Can I Cover?
  The family floater health insurance policy offers coverage to you, your spouse, dependent children and parents, and your other blood relatives and in-laws.
• 14 I Have A Small Family And All Of Us Are Young And Healthy. Do I Need To Purchase A Family Health Insurance Plan?
  Yes, it is advisable for you and your family to get at least a basic health insurance plan. As a medical emergency can arise at any time, it is always better to be prepared than to regret later. A family health insurance policy helps you save a huge chunk of money in case of a sudden medical emergency.
• 15 Can I Transfer My Family’s Health Insurance Plan From One Insurance Company To Another?
  Yes, you are allowed to transfer your family health insurance policy from one insurance company to another without losing the renewal benefits accumulated over the policy years.
• 16 Can Cashless Hospitalization Be Denied Under Family Health Insurance Plan?
  Yes, there are situations when your claim for cashless hospitalization may be denied. These circumstances may arise if:
  • You have not presented genuine documents to your insurance provider.
  • Your contact details are not correct.
  • You are suffering from an ailment that is not covered in the policy.
  • The hospital you choose for treatment is not mentioned in the list of cashless hospitals of your insurance provider.
  • The waiting period for certain treatment is not over.
• 17 How Can I Buy A Family Medical Insurance Policy From Your Company?
  It is very simple to buy a family floater health insurance policy from IFFCO Tokio. All you need to do is log onto our website and fill in some details about yourself and your family members. Based on the information you provide, we will offer you an instant quotation for your family floater health insurance policy. You can customize the specifics of the quotation and select any add-ons you require. Finally, just make the payment and you will then receive the insurance policy on the email address you have provided - the coverage of your policy will begin immediately.
• 18 Can I Buy More Than One Family Health Plans?
  Yes, you can buy more than one family health insurance policy. However, when you make claims, the insurance companies will settle the claims in rateable proportions. For instance, if your medical bill is of Rs. 50,000, and you hold health insurance policies from 2 companies, then each insurance provider will compensate Rs. 25,000 each to cover your medical expenses.
• 19 Why Is A Mediclaim Policy For Family Important?
  Family is everything and we must do all we can to protect our loved ones from life’s unfortunate events. A family health insurance policy can be of immense help in this regard! It protects you and your loved ones against the rising cost of healthcare and ensures that medical emergencies do not eat into your hard-earned savings.
• 20 What Is Pre-Existing Condition Under Family Health Insurance Policy?
  A pre-existing condition is a disease or ailment that the insured family member suffers from before buying the family health insurance policy. These illnesses usually have a waiting period before they are covered under the family floater health insurance policy. You can file a claim for a pre-existing condition only after this waiting period is complete. Generally speaking, waiting periods for pre-existing illnesses range from 2 to 4 years.
• 21 Who Should Opt For A Family Medical Insurance Plan?
  Health insurance for family suits all types of families. Whether you are a young couple or have a joint family, you can cover the desired number of loved ones under the safety blanket of one family floater health insurance policy.
• 22 What Happens If I Exhaust The Sum Insured Of My Policy?
  A family floater health insurance offers a single sum insured for all the family members included in the plan. With most plans, if you happen to exhaust this sum insured, then you will not be able to make any further claims during the policy period. However, we at IFFCO-Tokio offer our customers a feature known as reinstatement. With this feature, the cover amount of your policy will be restored back to its original amount in case you happen to exhaust the entire sum insured during the policy tenure. Want to know more about reinstatement? Just give us a call or visit one of your nearest IFFCO-Tokio branches, our customer support team will be more than happy to help you!
• 23 Who Can Help Me Calculate My Family Mediclaim Policy Premium?
  You can calculate your family health insurance policy premium from the comfort of your house. All you need is to log in to our IFFCO Tokio website and follow our straightforward procedures that help you calculate the yearly premium that you will have to pay for the type of policy and add-ons that you select. If you have further queries, you can always head to our nearest branch or speak with our sales representative by calling on our helpline number.
• 24 If My Policy Is Not Renewed In Time Before The Expiry Date, Will I Be Denied For Renewal?
  It is advisable to get your family health insurance renewed about a week before the expiry date. However, if you miss out on your family health insurance renewal, make sure to make the payment within 30 days of the expiry date. If you are unable to do so, then your insurance policy will become void and you will not be able to make any claims during a medical emergency.
• 25 Can I Buy More Than One Family Health Plans?
  Yes, you can buy more than one family health insurance policy. However, when you make claims, the insurance companies will settle the claims in rateable proportions. For instance, if your medical bill is of Rs. 50,000, and you hold health insurance policies from 2 companies, then each insurance provider will compensate Rs. 25,000 each to cover your medical expenses.
• 26 What Is The Maximum Number Of Claims Allowed Over A Year?
  There is no limit on the number of claims that can be registered during a policy year. You can keep making claims until the sum insured of the policy is exhausted.
• 27 Is There Any Waiting Period For Claims Under A Family Health Plan?
  Yes, when you purchase a family health plan, there is a waiting period of 30 days before you can make any claims. However, in case of an accident, the waiting period is waived off and you can file a claim without worrying about any waiting periods. Also, some riders in the health insurance plans have a waiting period such as the critical illness cover, etc. So, make sure to understand in detail about the waiting period by one of our insurance experts by calling on our helpline number or visiting us at our branch.
• 28 Which Family Member Can I Cover?
  The family floater health insurance policy offers coverage to you, your spouse, dependent children and parents, and your other blood relatives and in-laws.
• 29 How Many People Can Be Covered By Family Health Insurance?
  You can include more than 2 family members under a Family Health Insurance policy. You can include your spouse, parents, children, brothers/sisters, and even other relatives such as your nephews, nieces, and in-laws who live with you. Also, you can always add new members of the family to your existing plan. This helps you avoid the hassle of buying a new individual plan.
• 30 What Are The Expenses That Are Covered Under A Family Health Insurance Plan?
  The main purpose of a Family Health Insurance plan is to make sure that you and your family do not have to stress about the medical expenses. Each family will have a different lifestyle, and hence their requirements for medical coverage would differ. This is why our Family Health Insurance plans are designed with flexibility. So, whether you are a single parent, have just started a new family, or are living in a large household, you can buy such a plan keeping the coverage you need in mind.
  • Recovery time benefits
  • Mental health covered
  • Health check-ups
  • No age restriction
  • Pre and post hospitalization charges covered
  • Cashless treatment at selected hospitals
• 31 What Are The Factors That Affect The Family Health Insurance Premium?
  The premium of your family floater health insurance policy will depend on numerous features. Some of these features include:
  • The type of health insurance plan
  • The number of family members to be included in the family health plan
  • The age of each member
  • Medical history of each member
  • Existing medical conditions of each member
  • Add-ons included in the policy
  You can check the premium of your family health insurance policy online. All you have to do is visit our website, key-in your family details and your coverage needs. With this information, we will be able to offer you an instant quotation for your family floater health insurance policy.
• 32 How To File A Claim Of Health Insurance Policy For My Family?
  Staying organized while filing a claim for hospitalization and other related expenses, is the success mantra for a successful claim settlement with our amazing health insurance plans for a family. You should keep all your documents and record up to date. Organize all your test reports, doctor prescriptions, treatment details in a folder, so that when asked to submit any document, you do not have to search through different files.
  You should also make sure that your communication details are up to date in our records, as all the family mediclaim policy-related communication shall be directed to the registered details only. When you submit your documents and reports for claim settlement with the TPA, please double check to make sure that all your documents have been submitted. Otherwise, it may cause unnecessary delays or even rejection of the claim.
  If you are going for planned hospitalization under our health insurance plans for a family, then we would suggest that you get a pre-authorization from our side. This way, when it would come to the stage of settling the hospital bills, you need not pay anything from your pocket.
• 33 Is Cashless Facility Available Under Mediclaim Policy For Family?
  Yes, we have a tie-up with more than 8000+ hospitals, daycare centers, nursing homes, and medical providers to offer cashless facilities to our customers. This ensures that no matter which part of the country you are in, you have easy access to cashless claims.
  Just be mindful that there are certain sub-limits applicable to some treatments and medical procedures. If the cost incurred for such treatments crosses the limit, then you may have to pay the extra amount from your pocket. For further terms and conditions, make sure to contact us on our helpline number.
• 34 Why Is A Mediclaim Policy For Family Important?
  Family is everything and we must do all we can to protect our loved ones from life’s unfortunate events. A family health insurance policy can be of immense help in this regard! It protects you and your loved ones against the rising cost of healthcare and ensures that medical emergencies do not eat into your hard-earned savings. But most importantly, a family medical insurance policy allows you and your family members to focus on getting better, without worry about the medical bills.

• 1 Does Your Health Insurance Plan for Family Cover Everything from Accident, Surgery, Normal Hospitalization?
  There are a wide range of diseases, injuries, and accidents that are covered under a health insurance policy for family. However, every insurance policy has different sets of inclusions and exclusions. This is why it is advisable to understand the policy wordings before buying one.
  Additionally, make sure that you disclose all the pre-existing conditions and health issues of every family member that needs to be insured so that we can understand your needs and suggest the best plans for your family.
• 2 Are Diagnostic and Investigative Tests Covered Under The Family Mediclaim Policy?
  Yes, various medical tests are covered under the family mediclaim policy. These tests include blood tests, stool tests, CT scans, X-rays, sonography, MRI, and so on. However, a proper prescription is required and the test must be a part of the treatment of an ailment mentioned in your health insurance policy. Only then you will be able to make claims for such tests.
• 3 What Are the Advantages of Sticking to One Health Insurance Company for A Long Time?
  

  If you stick to one insurance company for a long time, you will be able to enjoy the following benefits:

  • It will make it easier for you to claim the continuity benefits.
  • Certain ailments have a waiting period until which you cannot make any claims. Due to this condition, it is advisable to not change insurance providers frequently.
  • You can avail of benefits of all the accumulated bonuses that offer you additional coverage in addition to the sum insured.
  • The claim settlement is faster if you have had a long-term association with the insurance company.
  • Many insurance providers also offer discounts and special bonuses for their long-term customers.
• 4 What Does A Family Health Insurance Policy Not Cover?
  

  Your family health insurance plan does not cover the following:

  • Some pre-existing conditions are not covered under the family health insurance plans.
  • Family health insurance plans do not include cosmetic treatments.
  • Some medical conditions are only covered by a family health insurance plan after a waiting period of about 2 to 3 years.

  To understand more about the exclusions of a family health insurance policy, call on our toll-free number or reach out to us at our nearest IFFCO Tokio branch.

• 5 Are Day-care Procedures Covered Under Family Health Insurance Plan?
  Yes, most family health insurance plans offer coverage for day-care procedures. With IFFCO Tokio, you are covered for over 380 day-care procedures including cataract surgery, tonsil removal procedure, and so on.
• 6 Which Family Member Can I Cover?
  The family floater health insurance policy offers coverage to you, your spouse, dependent children and parents, and your other blood relatives and in-laws..
• 7 How Many People Can Be Covered By Family Health Insurance?
  You can include more than 2 family members under a Family Health Insurance policy. You can include your spouse, parents, children, brothers/sisters, and even other relatives such as your nephews, nieces, and in-laws who live with you. Also, you can always add new members of the family to your existing plan. This helps you avoid the hassle of buying a new individual plan.
• 8 What Are the Expenses That Are Covered Under A Family Health Insurance Plan?
  

  The main purpose of a Family Health Insurance plan is to make sure that you and your family do not have to stress about the medical expenses. Each family will have a different lifestyle, and hence their requirements for medical coverage would differ. This is why our Family Health Insurance plans are designed with flexibility. So, whether you are a single parent, have just started a new family, or are living in a large household, you can buy such a plan keeping the coverage you need in mind.

  • Recovery time benefits
  • Mental health covered
  • Health check-ups
  • No age restriction
  • Pre and post hospitalization charges covered
  • Cashless treatment at selected hospitals
• 9 What Is Family Health Insurance?
  Family health insurance is an agreement wherein IFFCO TOKIO offers coverage is provided for the medical expenses incurred by you and your family members in return for a pre-decided annual premium. With a family health insurance policy, you and your loved ones are protected against hospital bills, pre- and post-hospitalization expenses, and various other medical costs that may arise due to an illness, injury, or healthcare procedure.
• 10 What Are the Advantages of Sticking to One Health Insurance Company for A Long Time?
  

  If you stick to one insurance company for a long time, you will be able to enjoy the following benefits:

  • It will make it easier for you to claim the continuity benefits.
  • Certain ailments have a waiting period until which you cannot make any claims. Due to this condition, it is advisable to not change insurance providers frequently.
  • You can avail of benefits of all the accumulated bonuses that offer you additional coverage in addition to the sum insured.
  • The claim settlement is faster if you have had a long-term association with the insurance company.
  • Many insurance providers also offer discounts and special bonuses for their long-term customers.
• 11 I Have A Small Family and All of Us Are Young and Healthy. Do I Need to Purchase A Family Health Insurance Plan?
  Yes, it is advisable for you and your family to get at least a basic health insurance plan. As a medical emergency can arise at any time, it is always better to be prepared than to regret later. A family health insurance policy helps you save a huge chunk of money in case of a sudden medical emergency.
• 12 Can I Buy More Than One Family Health Plans?
  Yes, you can buy more than one family health insurance policy. However, when you make claims, the insurance companies will settle the claims in rateable proportions. For instance, if your medical bill is of Rs. 50,000, and you hold health insurance policies from 2 companies, then each insurance provider will compensate Rs. 25,000 each to cover your medical expenses.
• 13 What Do You Mean by Family Floater Policy?
  A family floater health insurance policy allows you to cover your entire family under the umbrella of one health insurance policy and with the payment of a single annual premium amount. The sum insured of this policy is shared amongst the insured family members and can be used to cover hospital bills and other medical expenses.
• 14 Which Family Health Insurance Policies Are Offered By IFFCO Tokio?
  Every customer has different requirements. Therefore, we at IFFCO Tokio, offer a plethora of family health insurance policies that vary in coverage, premium, and benefits. You can call on our toll-free number to speak to one of our insurance experts or visit one of our branches to get a tailor-made health insurance plan for you and your family.
• 15 What Are The Benefits Of A Family Health Insurance Plan?
  

  A Family Health Insurance will provide coverage for your entire family at an affordable premium. The policyholder can cover their siblings, parents, and family members whom they live with. This even includes their brother or sister-in-law.

  Following are the main benefits of a Family Health Insurance plan:

  • Coverage without medical test up to the age of 60.
  • Daily allowance up to a maximum of Rs.1000/- per day.
  • 8000+ network hospitals for cashless services.
  • Reinstatement of sum insured after a claim during the policy period.
  • 3-lakh cover for 2 adults and 1 child at only Rs.25/- per day.
  • Lifelong renewal guarantee.
• 16 What Are The Tax Benefits I Get If I Opt For Family Health Insurance Policy?
  

  According to Section 80D of the Income Tax Act, you can enjoy the following tax benefits on your family health insurance policy:

  • If no one in your family is aged above 60 years, you can enjoy tax deductions up to Rs. 25,000 on your taxable income.
  • If one of your parents is above 60 years of age, you can get avail combined tax deductions of up to Rs. 50,000 on your taxable income.

  To know more, visit the IFFCO Tokio website or talk to one of our experts at our nearest branch today!

• 17 Can I Transfer My Family’s Health Insurance Plan From One Insurance Company To Another?
  Yes, you are allowed to transfer your family health insurance policy from one insurance company to another without losing the renewal benefits accumulated over the policy years.
• 18 How Can I Buy A Family Medical Insurance Policy From Your Company?
  It is very simple to buy a family floater health insurance policy from IFFCO Tokio. All you need to do is log onto our website and fill in some details about yourself and your family members. Based on the information you provide, we will offer you an instant quotation for your family floater health insurance policy. You can customize the specifics of the quotation and select any add-ons you require. Finally, just make the payment and you will then receive the insurance policy on the email address you have provided - the coverage of your policy will begin immediately.
• 19 Why Is A Mediclaim Policy For Family Important?
  Family is everything and we must do all we can to protect our loved ones from life’s unfortunate events. A family health insurance policy can be of immense help in this regard! It protects you and your loved ones against the rising cost of healthcare and ensures that medical emergencies do not eat into your hard-earned savings.
• 20 Why Is A Mediclaim Policy For Family Important?
  Family is everything and we must do all we can to protect our loved ones from life’s unfortunate events. A family health insurance policy can be of immense help in this regard! It protects you and your loved ones against the rising cost of healthcare and ensures that medical emergencies do not eat into your hard-earned savings.
• 21 Who Should Opt For A Family Medical Insurance Plan?
  Health insurance for family suits all types of families. Whether you are a young couple or have a joint family, you can cover the desired number of loved ones under the safety blanket of one family floater health insurance policy.
• 22 Can I Buy More Than One Family Health Plans?
  Yes, you can buy more than one family health insurance policy. However, when you make claims, the insurance companies will settle the claims in rateable proportions. For instance, if your medical bill is of Rs. 50,000, and you hold health insurance policies from 2 companies, then each insurance provider will compensate Rs. 25,000 each to cover your medical expenses.
• 23 Is Cashless Facility Available Under Mediclaim Policy For Family?
  Yes, we have a tie-up with more than 8000+ hospitals, daycare centers, nursing homes, and medical providers to offer cashless facilities to our customers. This ensures that no matter which part of the country you are in, you have easy access to cashless claims.
  Just be mindful that there are certain sub-limits applicable to some treatments and medical procedures. If the cost incurred for such treatments crosses the limit, then you may have to pay the extra amount from your pocket. For further terms and conditions, make sure to contact us on our helpline number.
• 24 Why Is A Mediclaim Policy For Family Important?
  Family is everything and we must do all we can to protect our loved ones from life’s unfortunate events. A family health insurance policy can be of immense help in this regard! It protects you and your loved ones against the rising cost of healthcare and ensures that medical emergencies do not eat into your hard-earned savings. But most importantly, a family medical insurance policy allows you and your family members to focus on getting better, without worry about the medical bills.
• 25 What Happens If I Exhaust The Sum Insured Of My Policy? 
  A family floater health insurance offers a single sum insured for all the family members included in the plan. With most plans, if you happen to exhaust this sum insured, then you will not be able to make any further claims during the policy period. However, we at IFFCO-Tokio offer our customers a feature known as reinstatement. With this feature, the cover amount of your policy will be restored back to its original amount in case you happen to exhaust the entire sum insured during the policy tenure. Want to know more about reinstatement? Just give us a call or visit one of your nearest IFFCO-Tokio branches, our customer support team will be more than happy to help you!
• 26 Who Can Help Me Calculate My Family Mediclaim Policy Premium?
  You can calculate your family health insurance policy premium from the comfort of your house. All you need is to log in to our IFFCO Tokio website and follow our straightforward procedures that help you calculate the yearly premium that you will have to pay for the type of policy and add-ons that you select. If you have further queries, you can always head to our nearest branch or speak with our sales representative by calling on our helpline number.
• 27 If My Policy Is Not Renewed In Time Before The Expiry Date, Will I Be Denied For Renewal? 
  It is advisable to get your family health insurance renewed about a week before the expiry date. However, if you miss out on your family health insurance renewal, make sure to make the payment within 30 days of the expiry date. If you are unable to do so, then your insurance policy will become void and you will not be able to make any claims during a medical emergency.
• 28What Are The Factors That Affect The Family Health Insurance Premium?
  

  The premium of your family floater health insurance policy will depend on numerous features. Some of these features include:

  • The type of health insurance plan
  • The number of family members to be included in the family health plan
  • The age of each member
  • Medical history of each member
  • Existing medical conditions of each member
  • Add-ons included in the policy

  You can check the premium of your family health insurance policy online. All you have to do is visit our website, key-in your family details and your coverage needs. With this information, we will be able to offer you an instant quotation for your family floater health insurance policy.

• 29 What Happens To The Cover Of A Mediclaim Policy For The Family After A Claim Is Filed?
  After a claim is filed for medical treatment of an insured family member, the claim amount is deducted from the sum insured and the remaining amount can be used for other medical emergencies.
  If the entire sum insured is exhausted, you can reinstate your sum insured by paying a small amount to your insurance provider. This way, you and your family will continue to be protected under the blanket of a family health insurance policy.
• 30 Can Cashless Hospitalization Be Denied Under Family Health Insurance Plan?
  

  Yes, there are situations when your claim for cashless hospitalization may be denied. These circumstances may arise if:

  • You have not presented genuine documents to your insurance provider.
  • You are suffering from an ailment that is not covered in the policy.
  • The hospital you choose for treatment is not mentioned in the list of cashless hospitals of your insurance provider.
  • The waiting period for certain treatment is not over.
• 31 What Is The Maximum Number Of Claims Allowed Over A Year?
  There is no limit on the number of claims that can be registered during a policy year. You can keep making claims until the sum insured of the policy is exhausted.
• 32 Is There Any Waiting Period For Claims Under A Family Health Plan?
  Yes, when you purchase a family health plan, there is a waiting period of 30 days before you can make any claims. However, in case of an accident, the waiting period is waived off and you can file a claim without worrying about any waiting periods. Also, some riders in the health insurance plans have a waiting period such as the critical illness cover, etc. So, make sure to understand in detail about the waiting period by one of our insurance experts by calling on our helpline number or visiting us at our branch.
• 33 How To File A Claim Of Health Insurance Policy For My Family?
  

  Staying organized while filing a claim for hospitalization and other related expenses, is the success mantra for a successful claim settlement with our amazing health insurance plans for a family. You should keep all your documents and record up to date. Organize all your test reports, doctor prescriptions, treatment details in a folder, so that when asked to submit any document, you do not have to search through different files. You should also make sure that your communication details are up to date in our records, as all the family mediclaim policy-related communication shall be directed to the registered details only. When you submit your documents and reports for claim settlement with the TPA, please double check to make sure that all your documents have been submitted. Otherwise, it may cause unnecessary delays or even rejection of the claim. If you are going for planned hospitalization under our health insurance plans for a family, then we would suggest that you get a pre-authorization from our side. This way, when it would come to the stage of settling the hospital bills, you need not pay anything from your pocket.