Coverage for Pre- and Post- Hospitalization Medical Expenses.
Individual Medishield Insurance
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Smart ways to protect yourself from financial risks
IFFCO-Tokio is one of the top insurance providers when it comes to individual medical insurance. Let’s look at some of the reasons you should choose IFFCO-Tokio to insure your health:
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BUY/RENEW POLICY| Key Features | Benefits of IFFCO-Tokio |
|---|---|
| Sum Insured | Rs. 50,000 to Rs. 5 lakhs |
| Room Charges | S.I of 3 Lacs and above : Covered up to actuals (depending on plan variant) S.I below 3 Lacs: Up to 1% of S.I. |
| ICU Charges | S.I of 3 Lacs and above : Covered up to actuals (depending on plan variant) S.I below 3 Lacs: Up to 2.5% of S.I. |
| Ambulance Charges | 1% of S.I or up to Rs. 1,500 per hospitilization |
| Daily Allowance Cover | Up to Rs. 250/- 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 | Members of the family consisting of you, your spouse, dependent children upto the age of 23 yrs. |
What it covers?
Nursing expenses, including those incurred during the pre- and post-hospitalization of the insured, within the limits of the sum, insured specified in the policy.
Daily allowance @ 0.1% of Basic Sum Insured. This amount is subject to a maximum of ₹250 per day for a period of hospitalization.
In the case of organ transplant, the policy will cover hospitalization expenses of the donor, within the overall limit of the sum insured specified in the health policy.
Any cost of health check-up, once at the end of four claim-free years @ 1.0% of average Basic Sum Insured.
Ambulance charges in connection with any admissible claim. This amount is limited to 1.0% of the Basic Sum Insured or ₹1500/- whichever is less for each claim.
The Individual Medishield Policy will cover Ayurvedic hospitalization. This will include pre- and post-hospitalization expenses. The amount shall be limited to 10% of the Basic Sum Insured.
Exclusions
Pre-existing disease for a period of 3 continuous years of coverage, from the start of the insured's first health policy.
There will be a 30 day waiting period for newly acquired/diagnosed diseases. This will not involve accidents.
One year exclusion for certain specified diseases listed in the policy.
Any expenses incurred on spectacles, contact lenses or hearing aids.
Any Dental treatment, unless it requires hospitalization.
General debility, congenital diseases/defects, sterility.
All claims that arise from or are related to pregnancy.
Any out-patient or domiciliary treatment.
Any expenses on external medical equipment.
Any claim that arises due to participation in dangerous sports/activities.
Any claim that arises or is related to HIV/AIDS
Claims related to the war, terrorism and nuclear risks.
All non-medical expenses incurred, including those for personal comfort and convenience.
Claims for expenses on treatment of obesity, hormone replacement therapy or sex-change procedure.
Expenses incurred on naturopathy, experimental or alternative medicine. Also, acupressure, acupuncture, magnetic and similar therapies.
Cancellation
IFFCO-Tokio will not cancel your insurance policy unless it is a case of misrepresentation, concealment of a material fact or fraudulent act of insured.
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Health Insurance
I have bought health insurance through the website of IFFCO Tokio. It gave me full support and when I contacted the customer care of IFFCO Tokio for clearing some of my queries they provided me very good service.
Rated by: SEKHAR Abbasi
Health Insurance
IFFCO Tokio offers a completely transparent process. I recently bought from them Corona Kavach Policy and I made the payment in a transparent way. Also I received the documents on time. Thank you IFFCO Tokio for the help.
Rated by: Ritu Aditya
Health Insurance
I chose to buy IFFCO Tokio health insurance policy not only because the premium is affordable but also because I liked the coverage benefits.
Rated by: Pooja aabnave
Health Insurance
I recently bought Arogya Sanjeevani Policy from IFFCO Tokio. The policy offers me and my family cover for in-patient hospitalisation expenses pre-hospitalisation and post-hospitalisation expenses daycare procedures etc. It is an affordable one and I recommend it to others too.
Rated by: Pradeep Agarwal
Health Insurance
I recently visited IFFCO Tokio portal to get a health insurance policy that covers me and my family for COVID-19 related treatments. I read about Corona Rakshak Policy and found it useful so bought it from them at an affordable premium.
Rated by: Sagar AGARWAL
