OUR COMPANY 
Health Protector Assure
1 Crore Super Top-up Health Insurance Plan - Buy Online
(Scenario: You have a hospital bill of ₹15 Lakhs)
Who Pays the Bill? |
Without This Plan |
With Health Protector Assure |
|---|---|---|
Your Old Policy Pays |
₹5 Lakhs |
₹5 Lakhs |
YOU Pay from Savings |
₹10 Lakhs (Huge Loss) |
₹0 (Zero) |
IFFCO-TOKIO Pays |
₹0 |
₹10 Lakhs |
Result |
Savings Used /Gold Sold |
Savings Protected |
Simple Math: If your bill is ₹15 Lakhs and your current policy pays only ₹5 Lakhs, Health Protector Assure pays the remaining ₹10 Lakhs. You pay nothing from your pocket.
Extra health covers up to ₹1 Crore
Low premium compared to regular health insurance plans
Works with your existing health policy
Helps reduce out-of-pocket medical expenses
Cashless treatment at network hospitals across India
Suitable for families, senior citizens, and individuals
Lifelong renewability available.
Tax benefits under Section 80D of the Income Tax Act
Available as both Top-Up and Super Top-Up
Available for all Individual and Floater options.
Wide range of deductibles
Health Protector Assure offers two plan options to suit different needs:
Ideal for basic extra health protection
Covers major hospitalisation expenses
Affordable premium option
(Sum Insured – Rs 3 Lacs to 40 Lacs)
Higher sum insured options
Air ambulance and higher domiciliary cover are added benefits
Suitable for families seeking wider protection
(Sum Insured - Rs 50 Lacs to 1 Crore)
Key Features |
Essential |
Enhanced |
Sum Insured |
Rs 3 Lac to 40 Lac |
Rs 50 Lac to 1 Crore |
Deductible Range |
Rs 2 Lacs to 30 Lacs |
Rs 5 Lacs to 30 Lacs |
Daily Allowance |
Up to Rs 5000 |
Up to Rs 7500 |
Air Ambulance |
NA |
Up to 1% of Sum Insured |
Domiciliary Hospitalization |
20% of Sum Insured |
50% of Sum Insured |
No Medical Test |
Up to 60 years |
Up to 60 years |
Room & ICU Charges |
Up to actuals |
Up to actuals |
Day Care Procedures |
More Than 380 |
More Than 380 |
Pre-& Post- Hospitalization Expenses |
Up to 60 & 90 Days |
Up to 60 & 90 Days |
Policy Term |
1 Year, 2 Years, 3 Years |
1 Year, 2 Years, 3 Years |
Hospitalization Ambulance Charges |
Covered |
Covered |
AYUSH Hospitalization |
Available |
Available |
Modern Treatment (Up to 50% of Sum Insured) |
Available |
Available |
Child Cover |
Since Day 1 |
Since Day 1 |
Cashless Treatment |
Available |
Available |
COVID-19 Treatment |
Covered |
Covered |
Nursing Expenses |
Covered |
Covered |
Lifelong Renewal |
Available |
Available |
Emergency Assistance Service |
Available |
Available |
Portability (Internal & External) |
Available |
Available |
Continuity & Loyalty Benefit |
Available |
Available |
Waiver of Deductible (30/60/90 Days) |
Available as Add-on |
Available as Add-on |
Wellness Benefits & Consumable |
Available as Add-on |
Available as Add-on |
Tax Benefit under 80D |
Up to 1 Lac |
Up to 1 Lac |
You can choose the plan based on your budget, family size, and medical needs.
Let’s take a closer look at each plan:
Covers room rent, consultations, nursing expense during hospital treatment.
Covers expenses for pre and post-hospitalization for 60 days & 90 days respectively.
Health Top-Up covers 380 Day care procedures.
Prescribed medication is covered in pre and post-hospitalization.
Expenses Incurred in AYUSH Hospitals or AYUSH Day Care Centres.
Insurance provide ambulance charges upto 3,000 in case of an emergency.
Domiciliary Hospitalization up to a maximum 50% of the sum insured in our enhanced plan.
Daily Allowance amount up to a maximum of Rs. 7,500 per day in our enhanced plan.
Includes coverage for advanced procedures such as robotic surgery, stem cell therapy, and more.
Customize Your Top-Up Policy with 3 Key Add-On Benefits:
Our health insurance policy will not provide coverage for the following -
Cosmetic or Dental Treatment Pregnancy-related conditions Alcoholism, drug or substance abuse Unproven Treatment Injuries caused due to self-harm or suicide attemptInjuries suffered due to war, nuclear explosion, adventure sport etc.For more details about Inclusion & Exclusion, refer to policy wording.
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Our customers have rated us
Based on 2378 reviews
I chose this essential health insurance plan because it offers wide coverages like dental, maternity and more.
Their family health insurance policy covers me, my spouse, and kids, all in one plan. Very helpful!
Very transparent and reliable insurance provider.
I’m happy they included pre-existing disease coverage after a short waiting period.
The policy even has a room rent waiver, which saved us a lot during hospitalization.
Great customer satisfaction.
Get Cashless Treatments in 8000+ Network Hospitals
Disclaimer- Please note that the Tax benefits are as per the current tax laws prevailing in the country and may changes subject to tax laws. it is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
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