6400+ Network Hospitals where the insured can avail cashless settlement of claims.
Individual Health Insurance
A comprehensive health plan for individuals
A comprehensive health plan for individuals
Good health is the cornerstone of a happy life! Keeping this in mind, we must all take the necessary steps to stay fit & keep our wellbeing on track. However, with illnesses on the rise and the cost of healthcare increasing every year, there is a huge cause for concern. This is where an Individual Health Insurance Plan can be extremely helpful.
In case of an emergency, a Health Insurance Plan will step in and help cover your medical expenses. This allows you to focus on your recovery instead of worrying about the hospital bills. These plans also ensure that you do not have to compromise on the quality of your treatment. This ensures you can make a full recovery and get back on your feet in no time!
| Key Features | Benefits of IFFCO-Tokio |
|---|---|
| Sum Insured | Rs. 50,000 to Rs. 20 lakhs |
| Room Charges | S.I of 5 Lacs and above : Covered up to actuals S.I below 5 Lacs: Up to 1.75% of S.I. for class A cities and 1.50% of sum insured for other cities |
| ICU Charges | S.I of 7 Lacs and above : Covered up to actuals S.I below 7 Lacs: Up to 3.0% of S.I. for class A cities and 2.5% of sum insured for other cities |
| Ambulance Charges | Covered up to Rs. 2,500 per hospitilization |
| Daily Allowance Cover | Up to to 0.20% of the sum insured per day |
| Co-pay | Nil |
| Critical Illness | Covered |
| No medical test upto | Age 60 |
| Reinstatement Benefit | Available |
| Day Care Cover | 160+ Procedures Covered |
| Online Renewal | Available |
| Lifelong renewal | Yes |
| Tax Benefit under 80D | Available |
| Cashless Treatment | Available at 6400+ Hospitals |
| Covid-19 Treatment | Covered |
| Claim Assistance | With 24/7 customer service |
| Pre and Post Hospitilisation Expenses | Covered |
| Nursing Expenses | Covered |
| Members Covered | You, your spouse, dependent children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together with you and dependent parents on individual sum insured basis |
Over 20 years of industry experience enables us to provide you with Health insurance plans that are affordable, and comprehensive. We also offer a range of different coverage options & add-ons. This makes it easier to find the best Mediclaim Policy for your needs. When you choose IFFCO-Tokio, you get award-winning protection that comes bundled with the following benefits:
Good health is one of your most important assets. Therefore, you should protect it with the best Mediclaim Policy. This is where we can help! Our Health insurance plan offers comprehensive cover against a number of unforeseen medical conditions to provide you complete peace of mind from life's uncertainties. Here are some of the benefits you can enjoy with the Individual Health insurance plan from IFFCO-Tokio General Insurance Company Ltd.
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BUY/RENEW POLICYWithout the right protection, a critical illness can rattle your easy-going life, putting a huge strain on your finances! 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 insurance plan:
While a Health insurance plan offers significant protection from medical conditions, each policy will have its own set of exclusions. These are medical expenses that are not covered by the plan. Here's a look at some of the main exclusions of an Individual Health insurance plan.
Medical procedures to enhance the appearance are not covered. However, in case of accident or injury when plastic surgery is a requirement, it can be covered.
These conditions are covered only after the waiting-period.
Childbirth and lawful terminations are excluded under the policy.
Any injuries and medical expenses arising from such incidents are not covered by medical insurance.
Such instances are not covered under the policy.
It is another common exclusion under most medical insurance plans.
Having an Individual Health insurance plan has become extremely important in today's day and age. Some people feel that it is not important to purchase a policy if you are young and healthy as the chances of falling ill are very slim. However, each one of us needs to be protected with a Health insurance plan, regardless of our age & current health. Here are some reasons for this:
Medical conditions come knocking without any prior warning. You could be hale and hearty today and down with an illness the next day. Therefore, it makes sense to protect yourself with the best mediclaim policy. It will ensure that you are safe from the financial impact of sudden medical conditions!
Medical expenses are rising at an alarming rate. The cost of healthcare procedures and medicine is increasing every day. However, with an individual Health insurance plan, you need not worry about these expenses at all. We will handle your hospital bills and also cover all the costs that you incur before and after hospitalization.
Without a Health insurance plan, you may be forced to tap into your hard-earned savings to cover medical expenses. This could disrupt your financial goals, or worse still, burn through years of savings in a matter of months. To avoid this, just get yourself a good individual Health Protector plan. It will cover your medical expenses and keep your savings intact.
Besides covering your medical expenses, an individual Health insurance plan also helps you save money! This is because, under section 80D of the Indian Income Tax Act, the premium amount paid towards a health insurance policy can be used to claim deductions on your taxable income.
You will probably buy a health insurance policy only once in your lifetime. Therefore, it is important to make the right purchase decisions now and avoid any issues in the future. However, this is easier said than done. Due to the lack of prior information & research, many individuals end up with either too little or too much coverage. To ensure this doesn't happen to you, we have listed five things to keep in mind when buying an Individual Health Insurance Plan.
You can estimate your cover based on factors such as your age, your current fitness levels, your lifestyle, etc. It is advised to get higher coverage if you are the sole breadwinner of the family, have any existing health conditions & live in a metro city.
Your sum insured needs to sufficient today and in the future. This is only possible if you factor-in inflation when setting the coverage amount of the plan. We offer an add-on that counters inflation by increasing the sum insured of your policy every year. This ensures your plan is future-ready at all times!
The next step would be to include the right add-ons. In this regard, one of the most important add-ons you should consider is the critical illness cover. It will provide an extra layer of protection from major, life-threatening illnesses.
You need to find a balance between coverage and cost. The best mediclaim policy will give you comprehensive coverage without burning a hole in your pocket! With IFFCO-Tokio, this is easy! Our Health Insurance Plans offer comprehensive protection at affordable rates.
You should opt for an insurance company with a large network of cashless hospitals & a higher claim settlement ratio. In this regard, IFFCO-Tokio General Insurance Company Ltd. has 6400+ network hospitals & a claim ratio of 92%.
To purchase a Health Insurance Plan all you have to do is drop by one of our branches! Rest assured, our team of insurance experts will hand-hold you through the entire purchase process and help you find the best mediclaim policy for your needs. They will ensure you leave with the policy document in hand and a smile on your face. No time to visit the branch? No problem! You can also buy an online individual Health insurance policy. All you have to do is follow the 3 simple steps given below.
Just visit our website, find the 'buy now' button and click on it! Next, you will have to fill a simple online form regarding your insurance needs and submit it.
Based on your details, we will offer you the best premium ratesfor your Health Protection Plan. You can alter the perimeters of your plan to match your exact needs.
You will have to enter some final details and make the payment. Once you have done this, the policy documents will be sent to you and the coverage of your plan will commence soon!
There's probably nothing that can replace a face-to-face transaction! That's why you are always welcome to walk into one of our branches to buy a Health Insurance Plan. However, with today's hectic schedules and face-paced life, making time to visit the branch can seem impossible. That is when it is better to buy an online Individual Health Insurance Policy. In fact, buying your plan online will also fetch you the following benefits.
Time is money these days and you can save precious minutes, hours even when you buy an online Individual Health Insurance Policy. The online process can be completed in a few minutes and ensures you get coverage quicker!
You can buy online health insurance at any time you want. It could be in the middle of the night or on a lazy Saturday afternoon! You can buy a planduring the lunch break at the office, or even while traveling. If that isn't convenient then what is?
When you buy an online Individual Health Insurance Policy, you help us save on several overhead costs. And we pass these savings onto you by offering you lower premiums. Thus, our savings are your savings!
You can forget about physical paperwork when you buy an online Individual Health Insurance Policy. This is because the entire process is online! The best part is you will receive the policy document in your email, ensuring that you always have a softcopy at a hand!
Cashless Claims: The easiest way to make a claim against your Individual Health Insurance Plan is to opt for cashless treatment. For this, you have to simply visit one of our 6400+ network hospitals, and we will settle the bill directly with the hospital.
Reimbursement Claims: In this case, you could have to pay for all your medical expenses and we would then reimburse the costs incurred. Just contact us within a couple of days of your hospitalization – our customer care team will guide you with the further processes.
Got questions about Individual Health Insurance Plan? Worry not, because we've got answers! We understand that buying a plan can be confusing, especially if this is your first time. Keeping this in mind, we have answered some of the most commonly asked questions about an Individual Health Insurance Plan. If you do not see your question here, or if you need further assistance, you can contact us and we will be glad to help you out!
There are certain circumstances, when your claim for cashless hospitalization may be denied under your cheapest Mediclaim Policy. Here is why it may happen, read through the following to understand the working behind the denial of your cashless hospitalization claims:
Even if your claims are denied, do not worry; you can still try to make a claim for the costs incurred on your end and fill out the claim form duly.
Apart from this, settle the bill on your end and get in touch with us within the stipulated time for making a claim, we will help you out. Other than this, when you run into some problems or are hospitalized, you should get in touch with our customer care straight away to receive immediate help.
You can easily change your hospitals while undergoing treatment under your mediclaim plan. You are entitled to receive the best care and if shifting hospitals helps, then, by all means, do so. We will cover your expenses. However, you will need to undergo a consultation with your doctor before doing so. To avoid unnecessary issues, choose a hospital that is covered under our network, and get speedy help.
You can get yourself a mediclaim policy from our website. Our online procedure to buy insurance is easy and simple. Log on to our website, fill out your basic details, follow the instructions as mentioned on the website, make the premium payment and sit back to enjoy the benefits of our amazing Mediclaim plans for individuals. You can renew plans online as well without any problems.
If you are not okay with the online processes, walk into one of our branches with all the relevant documents and get your insurance today.
When you file for a claim under your cheapest Mediclaim policy, including Mediclaim for senior citizens, you need to understand that you will need to organize all of your medical documents and evidences of your medical history. All of these documents must be submitted to your insurance provider, that’s us. We will examine your documents and then process the claim accordingly.
You should keep all your communication details accessible, and only submit those details that are registered under your name and are still functional. When you submit your claim form, make sure to double check and make sure that all your documents have been duly attached. Any discrepancy here will require you to re-submit the missing documents within the next 15 days.
In case of planned hospitalization under your cheapest Mediclaim policy, including Mediclaim for senior citizens, you should state the same during pre-authorization. This will help you save a lot of time and allow us to help you in every way we can.
Sticking to only one Mediclaim plan or policy has many benefits. The biggest benefit of sticking to single insurance is security. If you do not miss out on payments of your premiums you will have back up, for your untimely medical bills. Other than this, for long-running plans, including Mediclaim for senior citizens, there are some exclusive benefits that are available only after 48 months elapse.
Other than this, sticking to a single insurance plan allows you to rack up bonus and enjoy some exclusive benefits. Besides, your coverage will increase over time and also you might get some extra discounts for all Mediclaim policies including Mediclaim for senior citizens.
When you stick to only one Mediclaim plan, including Mediclaim for senior citizens, you may get loyalty discounts, and the claim settlement is faster when you have a long-standing track record with the company, as all the waiting period requirements would be satisfied by then.
Health Insurance
One of the best health insurance proividers out there. Excellent customer service and truly comprehensive coverage.
Rated by: Nayan Renose
Health Insurance
IFFCO-Tokio has been my top choice when it comes to getting my health insured.
Rated by: Navin Kumar
Health Insurance
IFFCO-Tokio has always exceeded my expectations when it comes to the coverage they provide and the add-ons they offer.
Rated by: Durgesh Bhende
Health Insurance
Truly amazing add-ons available with IFFCO-Tokio's health insurance policy. Critical illness rider would be the best one, I believe.
Rated by: Vighnesh Rajan
Health Insurance
Since years, my family and I have been trusting on IFFCO-Tokio for health insurance.
Rated by: Rajesh Jangle
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