Individual Medishield Insurance

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Online Individual Medishield Insurance Policy

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:

Coverage for Pre- and Post- Hospitalization Medical Expenses.

No need for medical check-up to the age of 60 years.

Up to 121 day care surgeries covered.

Coverage for nursing expenses and other related fees.

Coverage for Hospitalization expenses of anybody donating an organ to the insured person.

Re-existing disease exclusion is applicable for three years, unlike most insurance policies in the market that do not cover pre-existing disease for four years.

Health check up – The cost of health check-up is covered once in a block of four claim-free years @1% of Basic Sum Insured.

Daily allowance – This can go up to a maximum of 250 for the duration an insured is hospitalized.

24*7 Call centre support to provide information and support related to claims.

5000+ Network Hospitals where the insured can avail cashless settlement of claims.

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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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Customer Reviews

This policy is really nice. I am very happy to take this Health Insurance from IFFCO Tokio.

Rated by: Deepan Sharma

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