What Does Your Health Insurance Policy Cover?

Good health is one of the most precious gifts anyone can have. We all try to lead a healthy lifestyle and stay away from all types of illness. But not everything is under our control. A sudden bout of illness can leave you or any of your family members bed-ridden while eating into your hard-earned savings. This is where a selection of the best Mediclaim policy becomes imperative.

There is a famous saying regarding Mediclaim Insurance “You must buy a Mediclaim policy when you feel that you do not need it, because most probably you may not get it when you need it.”

To help you meet any expected or unexpected hospitalization and medical expenses, IFFCO Tokio has introduced a comprehensive cashless Mediclaim policy with amazing benefits to make sure that all your medical exigencies are taken care of.

Take a look at some of the features of our Mediclaim policy that make buying a Mediclaim cover from IFFCO Tokio a sensible decision: -

Hospitalization Expenses: - Our cashless Mediclaim policy, ensures that you do not worry about the monetary aspect of the treatment when you are admitted to a hospital for treatment of any ailment. All hospitalization expenses including room charges, doctor fees, nursing expenses, diagnostic tests, etc. are covered under our individual Mediclaim policy.

Therefore, under our best cashless Mediclaim policy for family members and individuals, we reimburse expenses related to alternative treatments such as Ayurveda, Unani, Homeopathy, and Sidha.

Sometimes, our parents do not want allopathic treatments and want alternate treatments for their chronic ailments; as such having the coverage of our Mediclaim policy for senior citizens will save you from spending any money on the treatment from your pocket.

Our best cashless Mediclaim policy for family also takes care of vaccination expenses for both kids and adults to help boost immunity against contagious diseases.

  • Flexibility to choose: - Selecting a comprehensive Mediclaim was never this convenient. You can choose from various available options based on the benefits intended and premium payable. You can just log on to our website, fill out some basic details and buy an online Mediclaim policy.

  • Cashless Hospitalization: - Another amazing advantage of buying our Mediclaim policy comes in the form of a cashless facility. Herein, you or any other insured member of your family with an individual protector plan can avail cashless hospitalization at any of our 4600+network hospitals. This feature helps make sure that you do not worry about the costs involved in the treatment of an ailment and simply focus on getting better.

  • Pre-Hospitalization Coverage: - When you buy Mediclaim policy online or offline from IFFCO Tokio, another great benefit that you get is, reimbursement of pre-hospitalization expenses. This covers all expenses that have been borne out of your own pocket for diagnosing and investigating about a particular medical condition for which hospitalization was required. Expenses such as doctor consultation, diagnostic tests, etc. are taken care of by this best Mediclaim policy offered by our company.

  • Post-Hospitalization Coverage: - We also make sure that you do not cut corners while recuperating after discharge. Another amazing feature of our Mediclaim policy for individuals includes the reimbursement of expenses which are incurred post-discharge from the hospital, till you have regained your health, as per a registered medical practitioner recognized under Mediclaim policy.

  • Coverage for senior citizens: - With our Mediclaim policy for senior citizens, we make sure that you or your parents do not have to fret about every medical expense that must be borne, due to age-related ailments and conditions. Buying our best Mediclaim policy for parents is one of the better ways that you can show your love towards your parents.

  • Free-look period of 15 days: - Even though our existing customers can vouch for the efficiency of our cashless Mediclaim policy for family members and individuals, in case you feel doubtful about any aspect of our policy, you have a free-look period of 15 days. During this period you can cancel the Mediclaim policy for senior citizens at your discretion and get your premium refunded.

  • Coverage of alternative therapies: - We also understand that no matter how much progress modern science makes to improve allopathic treatments, the various traditional healing sciences will keep on holding their fort.

  • Vaccination and Check-up Coverage: - We believe in the age-old axiom that “Prevention is better than cure”. Hence, as a part of our cashless Mediclaim policy for family and individuals, we encourage you to take preventive measures so that there is no need to face the hassles of hospitalization.

  • Tax Benefits: - Making the experience even better for you, all the premiums paid for our Mediclaim plans are tax-deductible, under Sec. 80D of the Income Tax Act.

  • Life-Long Renewability: - Our Mediclaim policy comes with lifelong renewal option, which extended much beyond the threshold of 60 years, making it an ideal Mediclaim policy for senior citizens too. This helps us make sure that you or your parents need not worry about the exorbitant hospitalization expenses once you are covered under our best cashless Mediclaim policy for family and individuals.