Individual Health Insurance
Buy/Renew Personal Health Insurance Policy Online
Key Features |
Benefits of IFFCO-Tokio |
Sum Insured |
Up to Rs. 20 lakhs |
Room Rent & ICU Charges |
Up to Actuals depending on Sum Insured |
Day Care Cover |
380+ Procedures Covered |
Ambulance Charges |
Up to Rs. 2,500 per hospitalization |
Daily Allowance Cover |
Up to Rs.1,000 per day depending on Sum Insured |
Cashless Treatment |
Available at 8000+ Hospitals |
Pre-& Post Hospitalization Expenses |
Up to 60 Days/ 90 Days |
No medical test up to |
Age 60 |
Reinstatement Benefit |
Available |
Claim Assistance |
With 24/7 customer service |
Lifelong Online Renewal |
Available |
Tax Benefit under 80D |
Available |
Critical Illness & Nursing Expenses |
Covered |
Covid-19 Treatment |
Covered |
Wellness Benefit |
Covered |
Co-pay |
Nil |
Get Cashless Treatments in 8000+ Network Hospitals
IFFCO-TOKIO’s Personal Health Insurance Plan provides comprehensive protection, offering the following key benefits:
Private Health Insurance Plan covers hospitalization charges like Room Rent, Surgical Expenses etc.
Individual health insurance policy covers cover for pre-hospitalization medical expenses.
Personal health insurance policy covers post-hospitalization medical expenses.
Private health insurance covers 380 planned day-care treatments.
Individual health insurance policy covers ambulance expenses.
Personal health insurance cover expenses for treating critical illnesses.
Emergency assistance service is covered with individual health insurance.
Health check-ups coverage is available with private health insurance.
Personal health insurance covers AYUSH treatments.
You can choose a hospital room as per your needs, with no limit on room rent.
Your sum insured gets doubled in case a life-threatening disease is diagnosed to help you manage treatment costs.
Any essential related to treatment like syringes, masks, bandages, etc., can be covered with this add-on.
Get valuable benefits like e-pharmacy, yoga sessions, nutritional counselling, etc.
There are certain expenses that are not covered under private health insurance policy. Here are some of the key exclusions:
Cosmetic treatments: Procedures that aim to improve appearance rather than treat a medical condition, such as liposuction, Botox injections, or elective surgeries like nose reshaping, are not covered.
Maternity: Pregnancy, childbirth, and related treatments are considered natural events, not illnesses are not covered.
Self-harm or suicide attempts: Any injuries resulting from intentional self-harm or suicide attempts are not covered under the policy.
War or Nuclear Explosions: Medical expenses arising from war, war-like situations, or nuclear explosions are excluded.
Dental treatments: Dental procedures such as routine check-ups, cleanings, surgeries, and implants are generally not covered.
Our customers have rated us
Based on 2140 reviews
I took out individual health insurance for my mother. The customer executive team was very understanding, and she's happy with both the team and the services provided.
Their hospital cash allowance benefit was a great help during our recovery days.
I feel secure with their health insurance policy—full coverage at an affordable premium.
I’ve never faced any issues and have been renewing my individual health insurance for 3 years now.
I always renew my policy on time using their app. There are no extra charges, and I even receive helpful reminders.
They approved my daycare procedure claim very quickly and without any issue. It was a good experience.
Instant Quote
Easy Renewals
Simple Process
Instant Policy Issuance
Reliable 24*7 Support
Personalized plans
High Claim Settlement Ratio
Secure Payments
There are two ways to make claims on your personal health insurance plan:
Cashless Claim Procedure
Reimbursement Procedure
Here's how each method works:
Get cashless treatment at one of our network hospitals. The cashless claim process involves three simple steps:
Step 1: Inform & Get Approval
Inform us and choose a network hospital to get cashless approval.
Step 2: Get Admitted
Get admitted to the hospital and show your IFFCO TOKIO health card.
Step 3: Bill Paid Directly
The claim amount is settled directly with the hospital.
To apply for a reimbursement, claim after receiving treatment and paying your hospital bills, please follow these steps:
Step 1: Inform Us
Call 1800 103 5499 within 7 days of discharge.
Step 2: Submit Documents
Submit all required claim documents to our nearest/local office.
Step 3: Get Your Money
After verification and approval, the claim amount is credited to your account.
You can add a Wellness Program to your health insurance, which includes the following services:
Value Added Services |
Discounted Services |
Rewards |
|---|---|---|
| Cashless Tele Health Consultation | E-pharmacy | Aim to motivate & provide Incentive |
| Mental Health Helpline | Health check-ups and Diagnostics | Reward for healthy habits |
| Medical Second Opinion | Dental & Home Care | Reward Points for Tracking your health |
| Diet Management | Nutritional Counselling | Reward Points for Enrolment in Disease Management Program |
| Calorie trackers & Sleep Tracker | Financial & legal Wellness Consults | Reward Points for Walk towards a healthy lifestyle (based on steps walked per day) |
| Fitness & Yoga Session | Metabolic Profiling for personalized recommendations | Reward Points for Fitness activities |
| Guided Meditations and Mental Health Podcasts | Reward Points for Enrolment in Self-Care Plans like meditation/ diet plans | |
| Online Health Quiz, Expert Webinars |
Buying or renewing your Personal Health Insurance Policy online is a smart, time-saving option. Here are the key benefits:
The online process can be completed in a few minutes, helping you save valuable time when purchasing your policy.
You can buy private health insurance online anytime, even in the middle of the night.
When you buy an Individual Health Insurance Policy online, it reduces several overhead costs, and these savings are passed on to you through lower premiums.
Your personal health insurance policy documents are sent to your email immediately after payment.
Our private health insurance experts are always available to answer all your Individual Health Insurance, related queries.
All information from pricing to exclusions is clearly mentioned and easy to review.
To purchase an Individual Health Insurance Plan online, all you have to do is follow the 3 simple steps given below.
Fill out the details: Visit our website and fill the basic information like name, age, medical history, and existing disease for all the members to be insured under the Individual Health Insurance policy.
Choose and customize your plan: Based on the information provided, we will recommend you an Individual Health Insurance plans which best suits your needs. Also, you can opt for add-ons to enhance your coverage. The price break-up would list the premium based on your selected plan.
Purchase the plan: Once you have reviewed and selected your plan, you can go ahead and make the payment. The policy documents will be issued to you the moment your payment gets successfully done.
Visit Website: Visit the health insurance renewal section on our website.
Fill Details: Enter your policy number and the insured person's name.
Verify & Proceed: Double-check your details, then click "proceed" to continue.
Make the Payment: Pay your premium using our secure payment system. Once renewed, we'll send your policy documents electronically.
A good plan balances coverage and cost.
Healthcare RequirementsAge: Younger adults need basic coverage; seniors need critical illness cover.
Coverage: Must include hospitalisation, COVID-19, and check-ups.
AffordabilitySum Insured: Enough for today and future expenses.
Premium: Affordable with adequate coverage.
Network & AccessibilityNetwork Hospitals: Wide network with cashless options.
Claim Settlement: Fast and hassle-free process.
Services & SupportAdd-ons: Optional covers like critical illness or daily cash.
Policy Wording: Read inclusions and exclusions carefully.
Customer Service: Responsive and reliable support.
There are many questions which comes to our mind when deciding to buy an Individual Health Policy. Let us have a look at some of the basic criterion which may impact your eligibility:
Basis |
Criteria |
Age |
The minimum age for buying an individual health plan is 18 years and the maximum age limit is 60 years. |
Nationality |
Our policy covers Indian nationals residing in India. |
Medical History |
Any pre-existing medical conditions including chronic illness, history of cancer, or any disorder would impact the waiting period and policy coverage. |
Lifestyle habits |
If your into smoking and alcoholism then both your eligiblity and premium rate would get affected. |
Occupation |
If the nature of your job is risky, you might have some specific eligibility criteria. |
Let’s explore the key differences between Individual and Family Health Insurance.
Feature |
Individual Health Insurance |
Family Health Insurance (Floater) |
Who's Covered |
Single person and other members can be covered under one policy with a separate sum insured for each |
Covers the entire family under one plan |
Sum Insured |
Separate limit of up to ₹20 lakh for each insured person. |
Up to ₹30 lakhs shared by every insured member. |
Coverage |
Specific and Personalised coverage |
Same coverage for all family members |
Best For |
Ideal for individuals or people with specific medical needs |
Suitable for families with young children as health risks are lower |
Health insurance helps protect you from high medical expenses during emergencies. It also helps you save on taxes. In India, the government encourages people to buy health insurance by offering tax benefits under Section 80D of the Income Tax Act.
If you have an individual health insurance plan for a single person, the premium you pay is eligible for tax deduction. This reduces your taxable income and helps you save money while staying protected.
Policy for |
Deduction |
Single Person (below 60 yrs.) |
25000 |
Single Person (above 60 yrs.) |
50000 |
* Disclaimer- On the basis of your profile, premium may change. Premium displayed is for one member between 20-25 years of age. Per day premium is for indication only, Premium is payable on Annual basis.
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