This Policy provides a health protection cover for you and your family. Here is something to look forward to when buying this policy from IFFCO-Tokio:
Room, Boarding and Nursing charges are reimbursed as per our existing policy according to which
Registration Charges, Service Charges, and other similar charges are reimbursed up to a maximum of 0.5% of the sum insured.
We have identified 161 medical procedures as daycare procedures, following the treatment for which you can be discharged immediately from the hospital and recuperate at home.
Daily Allowance is offered as there may be loss of income and various other expenditures involved in addition to the hospitalization and medical expenses.
Customers are rewarded with a cumulative (no-claim) bonus feature, which adds a particular amount to your insurance coverage, over and above the sum insured, with each claim-free year.
Imagine how the lack of a Mediclaim policy could rattle your easy-going life and strain your finances, in the event of a critical illness. To help you stay prepared for any such eventuality, we offer you the opportunity to opt for a Critical Illness Cover on payment of a little extra amount. The following are the medical conditions that have been identified as critical ailments, under our individual health protector plan: -
Coma of specified severity.
Major Organ/Bone Marrow Transplant.
Stroke Resulting in Permanent Symptoms.
First Heart Attack - of specified severity.
Motor neuron disease with permanent symptoms.
Open Chest CABG.
Permanent Paralysis of Limbs.
Open Heart Replacement or Repair of Heart Valves.
Kidney Failure Requiring Regular Dialysis.
Multiple sclerosis with persisting symptoms.
Following are the exclusions in case of which our company will not be able to compensate your claims:
You may cancel the cashless Mediclaim policy through written notice. To do this send the written notice within 30 days to us using the standard method of registered post. A refund will be issued using the following scale as a measure.
Your cashless Mediclaim Policy may be canceled by us, on the grounds of moral hazard or misrepresentation/fraud/non-cooperation from your side. For this process, we will send a 30 (thirty) days’ notice using a registered post to your last known address. The only thing that you will be entitled to, in such a case is a pro-rata refund of premium for the unexpired period that remained of the Mediclaim policy. This would be with respect to such insured person(s) for the likes of whom there has been no claim.
Since the time I bought a mediclaim policy from IFFCO-Tokio, I feel relieved a lot. I was hospitalized two times to get treatment, and the expense was all covered by IFFCO-Tokio. I am happy that I chose them!
Rated by: Ritika
Being a part of a middle-income group, I always have to think more than needed, when getting healthcare treatment. The cost of my illness can affect my monthly expenditure too. But since the time I bought a mediclaim policy from IFFCO-Tokio, I feel relieved a lot.
Rated by: Rina Malhotra
On the recommendation of one of my friends, I called the customer care number of IFFCO-Tokio. The executive explained everything extensively which helped me choose a suitable mediclaim policy for my family.
Rated by: Prikshit Verma
Best Individual Health Protector Policy from IFFCO-Tokio. This helps in every possible way to me. Thanks, IFFCO-Tokio.
Rated by: Malvikha Adhikari