IFFCO Tokio Health Insurance FAQs

Yes. The company can reject your claim on various grounds as per the terms and conditions mentioned in the policy.

You can avail cashless treatment at more than 4,000 network hospitals.

Here are the documents which need to be submitted to seek a claim:

• Duly filled claim form
• Certificate from the doctor
• Discharge details
• Medicine prescriptions
• Medical bills
• Final receipts from the hospital
• Diagnosis reports such as x-ray scan, ECG, etc.

In addition to these, the claim settlement team of Iffco Tokio may ask for some other documents as well.

Yes. Iffco Tokio offers cashless claim facility in over 4,000 network hospitals to the policyholders.

The insurer is required to be conveyed within 3 days prior to the hospitalisation in the case of planned hospitalisation. But, in the case of emergency hospitalisation, the insurance providing company need to be informed as soon as an insured member is admitted in the hospital.

To calculate the Claim Settlement Ratio of IFFCO Tokio Health Insurance, you can use the formula given below:

Claim Settlement Ratio=(Total claims settled or paid)/(Total claims received+Outstanding claims at the beginning of the year)

To process cashless claims under IFFCO Tokio Health Insurance plans, you are required to follow the steps given below:

• Get hospitalised at the network hospital of your choice, show your health card at the hospital, and intimate the Third Party Administrator (TPA)
• Fill the cashless claim form and send it by fax to the TPA
• The TPA will examine your document and inform the network hospital about the decision
• The TPA will approve your request and settle the bill directly at the hospital if the claim made was in accordance with the terms and conditions under the policy.

You can make reimbursement claims under IFFCO Tokio health Insurance plans by following the steps given below:

• On getting hospitalised at a non-network hospital, immediately inform IFFCO-Tokio General Insurance
• Avail the treatment and pay for the hospital bills from your own pocket
• Download and fill the claim form from the official website of IFFCO Tokio General Insurance
• Submit the required documents at the IFFCO Tokio office
• The insurance company will settle the bills if the documents are found authentic and the claim has been made as per the terms and conditions under the policy.

You must inform IFFCO Tokio General Insurance within 24 hours of hospitalisation in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.

As per the IBAI’s General Insurance Claim Insights Handbook For Policyholders-4th and 5th Edition, the Claim Settlement Ratio (CSR) of IFFCO Tokio Health Insurance for the financial years 2018-19 and 2019-20 is 96.57% and 96.33% respectively.

The Claim Settlement Ratio (CSR) of IFFCO Tokio for FY 2019-20 is 96.33%.

Iffco Tokio offers various health insurance plans that cover critical illnesses. The major one is Critical Illness Insurance Policy. However, it provides the critical illness cover under other plans too, but as an extension with an additional payment of premium option such as Family Health Protector Policy, Individual Health Protector Policy, Swasthya Kavach Policy, and Individual Medishiled Policy.

No, the critical illness plan offered by Iffco Tokio does not cover every situation and case of hospitalisation. There exist some exclusions to the coverage of a health insurance plan.

Yes, a prescribed amount in lump-sum is provided to insured individuals on the diagnosis of the illness.

Following are the illnesses that are covered by the Iffco Tokio under its Critical Illness Insurance Policy:

• Stroke Resulting in Permanent Symptoms
• Kidney Failure
• Cancer
• Paralysis
• Bone Marrow Transplant
• Open Chest CABG
• End-Stage Liver Disease
• Major Burns
• Multiple Sclerosis with Persisting Symptoms
• Coma

To buy critical illness cover offered under IFFCO Tokio health insurance plans, you can fill quotes at InsuranceDekho. You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551-196-989 and share your requirements.

Anyone who is aged at least 18 years and resides in India can purchase critical illness cover offered by IFFCO Tokio Health Insurance.

Yes. You can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for critical illness plans offered by IFFCO Tokio Health Insurance.

To purchase a critical illness cover offered by IFFCO Tokio Health Insurance, you must be aged at least 18 years and must be a resident of India.

Following are the documents required at the time of claim under the critical illness plan offered by IFFCO Tokio Health Insurance:

• Valid ID proof
• Doctor’s letter recommending hospitalisation
• Original bills from pharmacies
• Doctor’s prescription advising medical tests, medicines, consultations, and so on
• Post Mortem Report, if applicable, etc.
• Original receipts, bills, and discharge forms signed by the doctor
• Original diagnostic test reports, radiology reports and payment receipts
• First Information Report (FIR) if it is a police case.

Under the Iffco Tokio Family Floater Plan different relationships are eligible to get covered such as:

• Self
• Spouse
• Dependent Children
• Dependent Parents
• Dependent Relatives
• Relatives Living Together including Siblings

No, you need to pay a single premium amount for getting an insurance cover for the whole family. This comprises of spouse, dependent parents, siblings, family members living together like sister-in-law, brother-in-law, and so on.

IFFCO Tokio Health Insurance offers various type of policies such as Family Health Protector Policy, Individual Health Protector Policy, Swasthya Kavach Policy, Individual Medishield Policy, Individual Personal Accident Policy, Critical Illness Insurance Policy, Health Protector Plus Policy, Swasthya Raksha Bima, Critical Illness Benefit policy, MOS-BITE Protector Policy, Arogya Sanjeevani Policy, Corona Rakshak Policy and Corona Kavach Policy.

IFFCO Tokio family health insurance Family Health Protector is a perfect health insurance option for people looking forward to getting their family insured along with themselves at affordable rates to handle medical expenses in case of an unexpected emergency situation.

Any change in the sum insured amount during the policy tenure or policy period is not allowed by IFFCO Tokio. If you want to increase or decrease the sum insured of your family health insurance policy, the ideal time would be policy renewal.

The major benefits of the IFFCO Tokio family health insurance include wide coverage, direct claim settlement, cashless facility at 5000+ network hospitals, sum insured range up to Rs. 30 Lakh, 10% discount for existing customers, lifelong policy renewal, 15 days free look period, tax benefits and many others.

IFFCO Tokio family health insurance provides cover for room rent expenses including hospital registration/service charges and others, pre & post hospitalization, 121 daycare surgeries, emergency ambulance charges, health check up & vaccination expenses, daily allowance, critical illness & emergency assistance services, coverage for AYUSH treatment and more.

Yes! An IFFCO Tokio family health insurance policyholder is eligible for tax deductions as per Section 80D of the Income Tax Act, 1961.

Yes, the option of health check-up is provided up to 1% of the basic sum insured at the end of a block of four continuous claim-free years.

The insurance providing firm delivers the coverage for vaccination expenses maximum of 7.5% of the total amount of premium paid in the case of the single insured individual and up to 15% for all the insured members at the end of two continuous claim-free years with Iffco Tokio Family Health Protector Plan.

The IFFCO Tokio provides the coverage for pre-hospitalisation and post-hospitalisation medical costs for 45 days and 60 days respectively under its different health insurance plans.

Yes, IFFCO Tokio provides 24*7 customer care support at 1-800-103-5499 to provide information and offering support pertaining to claim settlement.

Your health insurance plan will stop from the date of policy cancellation. Also, you will get your premium back as per the rates of short period cancellation as per the terms and conditions of the policy.

IFFCO Tokio General Insurance is tied up with around 5,000+ network hospitals across the country. Policyholders can find cashless hospitalisation at all these hospitals.

The Incurred Claim Ratio (ICR) of IFFCO Tokio for FY 2018-19 is 102%.

Before buying IFFCO Tokio Health Insurance policy, a pre-policy medical checkup is required for people above 45 years of age. However, for the renewal of the current policy medical checkups are generally not required.

You can visit IFFCO Tokio's official website or app to download your payment receipt.

An ideal IFFCO Tokio plan is determined by the individual requirements and the specific type of plan chosen by a policy holder. However, for absolute coverage for self and family people foremost choose IFFCO Tokio Family Health Protector Plan.

Under IFFCO Tokio Health Insurance Plan, the waiting period for pre-existing diseases is subject to a period of 48 months.

No documents from PAN Card to ID proof are needed to buy a health insurance policy from IFFCO Tokio. However, as per the rules of TPA and insurer, policyholders might need ID proof at the time of filing a claim.

To check the status of your policy visit the 'Claim Status' section of IFFCO Tokio's official website. Then, enter your policy number/claim number and click on 'Submit'.

You can contact IFFCO Tokio General Insurance on their toll-free number 1800-103-5499 / (0124) 428 5499 for 24x7 assistance. Alternatively, you can also email them at websupport@iffcotokio.co.in.

To port your IFFCO Tokio Health Insurance Policy inform IFFCO Tokio at least 45-60 days before the renewal date of the policy.

InsuranceDekho aids you in comparison of different IFFCO Tokio Health Insurance plans on the basis of various factors and ultimately, it lets you choose the best plan as per your requirements.

To purchase an IFFCO Tokio Health Insurance Plan you need a copy of your ID proof and Address Proof.

Downloading the IFFCO Tokio policy document is an easy and quick process. To do the same, you can follow the steps given below:

• Visit the official website of IFFCO Tokio General Insurance or application
• Enter the policy details as asked
• Download the policy document by clicking on Download.

Note that you can also manage your IFFCO Tokio health insurance policies in one place with the help of the application. The app lets you check policy details, renew your health insurance policy, download a copy of your motor and health policies without any hassle.

You do not really need a hard copy of IFFCO Tokio Health Insurance policy as the Insurance Regulatory and Development Authority of India has asked the insurance companies to sell insurance plans online, at least until the coronavirus pandemic. This means that the entire process starting from filling a quote, until premium payment and receiving a policy document, the entire process will be held digitally. But if you still want one, then you can get the policy document by following the process.

You will receive the hard copy of your IFFCO Tokio Health Insurance policy after 15 days of purchasing it. Also, if purchased the policy online, you will receive the policy document via registered email ID, from where you can instantly print the policy document and keep the hard copy for future purposes. The document will serve as a legally valid document and can be used as a policy document in case of claims.

On receiving your IFFCO Tokio Health Insurance policy document, you must go through it and see if the information is mentioned correctly or not. In case there is an error and you want to get it changed, then you can give a call on IFFCO Tokio’s toll-free number 1800-1035-499 and talk to the customer care experts. They will help you in getting an endorsement, after which the insurance company will clear the issue in your health insurance policy document. The insurance company allows you to make changes in the name of the nominee, contact details, zone, address, health condition, etc.

A wide range of the sum insured is provided under the Iffco Tokio for an individual plan that ranges between Rs. 50,000 and Rs. 20 Lakh.

Individual between the age of 18 years and 65 years are eligible to get the coverage under the Iffco Tokio. Besides, if either parent is covered, the dependent kids above the age of 91 days are also eligible to get the coverage.

IFFCO Tokio Health Insurance offers various type of policies such as Family Health Protector Policy, Individual Health Protector Policy, Swasthya Kavach Policy, Individual Medishield Policy, Individual Personal Accident Policy, Critical Illness Insurance Policy, Health Protector Plus Policy, Swasthya Raksha Bima, Critical Illness Benefit policy, MOS-BITE Protector Policy, Arogya Sanjeevani Policy, Corona Rakshak Policy and Corona Kavach Policy.

IFFCO Tokio individual health insurance policy is an excellent buy for people looking forward to securing only themselves. If your family members are already insured for health and you wish to have a plan solely to meet your medical needs, Individual Health Protector would be an apt choice.

If you are unhappy with the current sum insured of your IFFCO Tokio individual health insurance policy, make sure you request change at the time of policy renewal and not during the policy tenure as the latter would not be allowed by the insurer.

Some of the prime advantages of the IFFCO Tokio individual health insurance include lifelong renewability, cashless facility at 5000+ network hospitals, hassle-free claim settlement, comprehensive coverage, affordable premium, cumulative bonus 5% of sum insured, 15 days free look period, family discount, discount for existing customers, tax benefits, etc.

IFFCO Tokio individual health insurance provides coverage for inpatient hospitalization, pre & post hospitalization, vaccination expenses, daycare surgeries or procedures, health checkups, emergency ambulance expenses, cumulative bonus, vaccination expenses and many more.

Yes! Under IFFCO Tokio individual health insurance, a policyholder is eligible to get tax benefits according to Section 80D of the Income Tax Act, 1961.

Yes, any person who is of 5 years or more till the age of 60 years or less is eligible to get covered under the critical illness policy by Iffco Tokio.

The benefits offered under the plans of Iffco Tokio health insurance for children incorporate pre & post hospitalisation, in-patient treatment, cashless benefit, daycare procedures, vaccination expenses, domiciliary hospitalisation, and various other benefits.

Individual Medishield Policy is the perfect IFFCO Tokio kids health insurance policy that every parent willing to get their kids insured along with themselves should buy. So, if you have dependent children upto 23 years of age who you want to insure apart from yourself and your spouse, go ahead and buy IFFCO Tokio kids health insurance.

No, making any sum insured changes to the IFFCO Tokio kids health insurance policy is not allowed during the policy tenure. So, if you want to increase or decrease the sym insured amount as per your will, do so at the time of policy renewal.

A few key advantages of IFFCO Tokio kids health insurance plan include plan renewability for lifetime, direct claim settlement, emergency medical assistance services, wide sum insured range, cashless facility at 5000+ network hospitals, no need for medical checkup up to 60 years, free look period of 15 days, family discount, discount for existing customers, affordable premium and more.

IFFCO Tokio health insurance for kids provides coverage for pre & post hospitalisation medical expenses, organ donor expenses, nursing expenses and other related fees, health checkup after 4 claim-free years, up to 121 daycare surgeries covered, AYUSH hospitalization, domiciliary hospitalization, health check up, additional optional cover for critical illness, etc.

Yes! IFFCO Tokio kids health insurance policy comes with tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Yes, there are some plans that allow you to add your parents in your plan such as Family Health Protector, Health Protector and so on.

Yes, Iffco Tokio has many plans where parents can be covered as those plans own the entry age till 65 years and come with lifelong renewability option as well.

Individual Medishield Policy is an ideal IFFCO Tokio parents health insurance that is a must purchase for the elderly or individuals who want to get their parents covered for medical expenses that might take place during an unfortunate emergency situation.

No, you cannot make any sum insured amount change during IFFCO Tokio parents health insurance policy tenure as it is not permitted by the insurer. However, you can request for the change at the time of policy renewal.

Lifelong renewability, direct claim settlement, no need for medical checkup up to 60 years, emergency medical assistance services, wide sum insured range, cashless facility at 5000+ network hospitals, family discount, discount for existing customers, affordable premium and more.

IFFCO Tokio parents health insurance provides coverage for pre & post hospitalisation medical expenses, nursing expenses and other related fees, up to 121 daycare surgeries covered, organ donor expenses, AYUSH hospitalization, domiciliary hospitalization, health check up, optional cover for critical illness, etc.

Yes! IFFCO Tokio, under its parents health insurance policy provides tax deductions as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Yes, Iffco Tokio gives the coverage for daycare procedures under its many plans, where hospitalisation is of less than 24 hours.

Yes, pre and post hospitalisation expenses get the coverage under different plans of Iffco Tokio. Generally, the coverage for pre and post hospitalisation expenses is offered for 45 days and 60 days respectively under the policies of Iffco Tokio.

The list of diseases covered by IFFCO Tokio Health Insurance depends primarily upon the specific type of plan chosen by the policyholder. For example, IFFCO Tokio Critical Illness Plan covers 25 critical illnesses such as cancer, kidney failure, sclerosis, brain tumor, lung failure, organ transplant, blindness, muscular dystrophy, etc.

The coverage provided by IFFCO Tokio General Insurance depends on the type of the health insurance plan chosen by the individual. Generally, all IFFCO Tokio health plans provide for hospitalisation charges, pre-hospitalisation expenses, post-hospitalization expenses, ambulance cover, medicines, etc.

Yes. Iffco Tokio provides the portability option to its policyholders, so they can easily switch from any similar policy of other insurers to Iffco Tokio.

Anyone holding a health insurance plan can avail the option of portability only at the time of renewal and not any other time.

Generally, discounts under the Iffco Tokio plans are computed on a cumulative basis, which can’t exceed a total of 25% of discount.

Here are the following basic factors that are considered to calculate the premium amount of Iffco Tokio:

a) Sum insured
b) Policy term
c) Number of members
d) Age of insured
e) Medical history
f) Gender

Yes, Iffco Tokio health insurance firm offers different types of discounts to its policyholders such as:

A) Family discount
B) Existing customer discount
C) Group mediclaim discount

The premium for Iffco Tokio health insurance policies starts at Rs. 3,675* per annum. *The premium is subject to change.

To use the IFFCO Tokio health insurance premium calculator, simply visit InsuranceDeko, select the 'Health' tab, and fill in the required information. Best plans as per your budget will get displayed on your screen.

Some basic details are needed to use IFFCO Tokio Health Insurance Premium calculator are your name, contact information, members to be covered, the time period to purchase the plan, age of the members, and your city.

Major factors that affect IFFCO Tokio Health Insurance premium amount are your age, past medical history, policy duration, policy holder's occupation, body mass index, geographical location, and type of policy.

You can compare health insurance premiums of different plans using the IFFCO Tokio Health Insurance premium by assessing them on various factors such as PED waiting period, co-payment clause, restoration benefits, coverage etc.

With the help of IFFCO Tokio Health Insurance premium calculator, you can get instant calculation for the plan customised as per your requirements.

To calculate premiums of health insurance plans for parents offered by IFFCO Tokio Health Insurance, you can use the health insurance premium calculator available at InsuranceDekho. It is a free tool that takes into consideration various factors such as age, the sum insured, policy term, etc. and tells you the premiums of various IFFCO Tokio Health Insurance plans within a few minutes.

Following are the benefits of using IFFCO Tokio Health Insurance premium calculator:

• It simplifies the complex calculations of health insurance premium
• It gives you an estimate of the premium to be paid which lets you plan financial schedules accordingly
• It allows you to alter preferences and reduce the premium to be paid.

There are several factors that affect the health insurance premium of IFFCO Tokio Health Insurance plans. Some of these are age, the sum insured, policy term, members covered under the plan, add-on covers, etc.

Yes. you are required to pay GST at the rate of 18% on the premiums paid for IFFCO Tokio Health Insurance plans.

Here are a few tips that you can follow to lower premiums for IFFCO Tokio Health Insurance plans:

• Choose deductibles wisely
• Opt for health insurance policies with a co-payment clause
• Buy health insurance plans on a floater basis instead of buying them on an individual basis
• Go for top-up plans to get extra coverage at an affordable premium.

Iffco Tokio have different plans under which people above 60 years of age can get covered such as Family Health Protector, Health Protector, Individual Medishield Policy, Swasthya Kavach and so on.

The best IFFCO Tokio Health Insurance Plan for people aged over 65 years is Swasthya Kavach Policy. The plan comes in two variations namely Wider Plan and Base Plan, which secures senior citizens as an excellent health shield.

Elderly people up to 65 years of age must buy IFFCO Tokio senior citizen health insurance as it provides superior health insurance coverage against medical expenses that occur in the event of a medical emergency situation.

If interested in changing the sum insured of your IFFCO Tokio senior citizen health insurance policy, wait until the policy renewal time so that your request is not rejected like it may be during the policy period or policy tenure.

Comprehensive coverage, dedicated claim settlement, cashless facility at 5000+ network hospitals, cover for critical illness, guaranteed lifelong renewal, easy policy portability, 10% discount for existing customers, 5% cumulative bonus on every claim free year, tax benefits and more.

IFFCO Tokio senior citizen health insurance comes with coverage features like hospitalisation expenses, pre & post hospitalisation expenses, hospital daily allowance, emergency ambulance expenses, emergency medical assistance services, health check-up for family, optional cover for critical illness, emergency ambulance expenses, cumulative bonus, etc.

Yes! IFFCO Tokio senior citizen health insurance policy provides tax deductions under Section 80D of the Income Tax Act, 1961.

To avail tax benefit on the premium amount of health insurance plan, the policyholders are required to pay the premium through any mode other than cash.

The limit of tax benefit is Rs. 25,000 if a proposer is below the age of 60 years and purchases the policy for himself/herself, while the limit extends to Rs. 30,000 in the case if a proposer is less than 60 years of age and buys a health insurance policy for a senior citizen, who is above 60 years of age. However, if a senior citizen purchases a plan for himself or herself then Rs. 50,000 tax benefit is earned. All the policyholders earn these tax benefits on different health insurance policies of Iffco Tokio as per Section 80D of the Income Tax Act.

The sum insured of Health Protector Plus, a top-up plan of Iffco Tokio, ranges between Rs. 2 Lakh and Rs. 25 Lakh.

If you buy the top-up plan by Iffco Tokio on an individual basis that coverage is offered to self, spouse, dependent kids up to 25 years, and parents. But, if purchased on the family floater basis, the members covered are self, spouse, and dependent kids.

The top-up policy offers extended coverage when the sum insured of your base health insurance plan gets exhausted. A super top-up policy is similar to a top-up policy, except that a top-up policy considers multiple hospitalisations and covers you for the total of all hospitalisation bills above the threshold limit.

Top up policies offered by IFFCO Tokio Health Insurance are regular indemnity policies that cover you for hospitalisation expenses but only after a threshold limit known as the deductible. However, health insurance riders are additional coverage benefits that you can opt for by paying an extra premium along with your health insurance policy.

A top-up policy is a cost-effective way to increase your coverage amount for the existing IFFCO Tokio Health Insurance plan. But apart from increasing coverage, it also lets you avail tax benefits on the premium paid for these plans under Section 80D of the Income Tax Act, 1961. It covers you when your health insurance claim reaches a threshold limit, also known as the deductible.

Opting for IFFCO Tokio Health Insurance plans is a wise option as it comes at an affordable premium and offers additional coverage as well as tax benefits under Section 80D of the Income Tax Act, 1961. So, if you find your existing health insurance policy insufficient, then you can go for a top-up policy.

Anyone who finds their coverage under IFFCO Tokio Health Insurance plans insufficient, they can purchase top-up policy for extra coverage.

Yes, the women proposers are allowed to purchase every plan offered by Iffco Tokio.

No, women and men gain the same tax benefits on the premium amount of Iffco Tokio health insurance policy. The only difference in tax benefit calculation is for senior citizens who are above 60 years of age.

Yes, any woman can buy health insurance plan of Iffco Tokio and get her spouse and kids covered.

Any woman who wishes to secure health as well as the financial future of herself and her family members should buy Individual Health Protector, IFFCO Tokio woman health insurance policy that meets medical needs to a tee at an affordable premium price.

No, you cannot! If you want to make any sort of change to your sum insured amount of IFFCO Tokio woman health insurance policy, do so at the time of policy renewal. Remember, health insurance companies do not allow any kind of changes during the policy period.

IFFCO Tokio woman health insurance policy has a vast range of advantages to offer. Some of the prime benefits of the plan include lifelong renewability, wide coverage, cashless facility at 5000+ network hospitals, hassle-free claim settlement, cumulative bonus 5% of sum insured, 15 days free look period, family discount, discount for existing customers, reasonable premium, tax benefits, etc.

IFFCO Tokio woman health insurance Individual Health Protector plan gives cover for inpatient hospitalization, pre & post hospitalization, daycare surgeries or procedures, health checkups, emergency ambulance expenses, vaccination expenses, AYUSH cover, organ donor expenses, cumulative bonus, domiciliary hospitalization, vaccination expenses and many more.

Yes! An IFFCO Tokio woman health insurance policyholder is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.