IFFCO Tokio Individual Health Protector Health Insurance

The IFFCO Tokio Individual Health Protector policy is like a shield for you and your family, providing a comprehensive plan to take care of your health. This policy has a lot of features and benefits to make sure it meets everyone's healthcare needs. You can choose a coverage amount from Rs. 50,000 to Rs. 20 Lakh for each person. Anyone between 18 to 65 years old can get this medical insurance, and even kids who are 91 days and older are covered.

Another great thing about this medical insurance policy is that you can renew this policy for your whole life. You can use the benefits of this health insurance policy at over 4,000 hospitals across the country. Plus, you get a tax benefit under section 80D of the IT Act 1961. The plan also gives discounts like existing customer discounts, family discounts, and group mediclaim discounts. But remember, these discounts together can't go over 25%.

IFFCO Tokio Individual Health Protector Health Insurance At a Glance

Highlights of the Iffco Tokio Individual Health Protector Health Insurance plan are listed below in the table:

Coverage	Individual and Family Floater
Riders	Critical Illness Cover
Key features	Free Look-up Period, Lifetime Renewal, etc.
Inclusion	Room Rent, Daycare Procedure, etc.
Exclusion	Cosmetic Procedures, Injury due to War, and more.
Renewability	Lifelong

Riders Available With IFFCO Tokio Individual Health Protector Health Insurance

Life can take unexpected turns, and facing a critical illness without the right protection can be financially challenging. To ensure you're well-prepared, you can choose IFFCO Tokio's Critical Illness Cover by paying an extra amount. This add-on covers the following severe medical conditions:

• Cancer of specified severity
• Permanent Paralysis of Limbs
• Open Heart Replacement or Repair of Heart Valves
• Kidney Failure requiring regular dialysis
• First Heart Attack - of specified severity
• Motor neuron disease with permanent symptoms
• Open Chest CABG
• Coma of specified severity
• Major Organ/Bone Marrow Transplant
• Stroke resulting in permanent symptoms
• Multiple sclerosis with persisting symptoms

Key Features of IFFCO Tokio Individual Health Protector Health Insurance Plan

The following are the key features of the IFFCO Tokio Individual Health Protector Health Insurance Plan:

• Free Look-Up Period: The policy includes a free look-up period, allowing policyholders to thoroughly review the terms and conditions of the insurance policy. Within a specified period, typically 15 days from receiving the policy documents, you have the option to cancel the policy if it doesn't meet your expectations.
• Lifetime Renewal Option: For continuous health coverage, the policy offers a lifetime renewal option. Regardless of age or health conditions, policyholders can renew the policy throughout their lives. This feature ensures sustained coverage and peace of mind.
• Wide Range of Sum Insured: You can choose the amount of coverage that suits you best, sum-insured starting from Rs. 50,000 up to Rs. 20 lakhs. This flexibility ensures that the insurance meets your specific needs and financial situation.
• Critical Illness Add-On: For extra protection, you can opt for coverage against critical illnesses by paying an additional premium of 30% on top of your basic premium. This ensures you're financially prepared to face severe health challenges.
• Portability Option: If you're currently covered by a similar policy with another insurer, you have the freedom to switch to this policy seamlessly. This portability feature lets you move without losing your accumulated benefits, providing convenience and continuity in coverage.
• Income Tax Benefit under Section 80D: By having this health insurance, you can avail of income tax benefits under Section 80D. This means you can save on your taxes while ensuring you have essential health coverage for you and your family.
• Cashless Claim Facility at 4000+ Hospitals: Enjoy the convenience of cashless transactions at over 4000 network hospitals. This means you don't have to worry about paying upfront for covered medical expenses; the insurance provider settles the bills directly with the hospital.

Eligibility Criteria of IFFCO Tokio Individual Health Protector Health Insurance Plan

The eligibility criteria for the IFFCO Tokio Individual Health Protector Health Insurance plan are as follows:

Parameters	Eligibility Criteria
Minimum entry age	Adult: 18 Years Child: 91 Days
Maximum entry age	65 Years
Number of people covered	Unlimited members of the family
Sum insured	Rs. 50,000 - 20 lakhs

Benefits of IFFCO Tokio Individual Health Protector Health Insurance Plan

This health insurance plan offers the following benefits:

• Comprehensive Coverage Beyond Hospitalisation: IFFCO Tokio understands that medical expenses go beyond just hospital bills and therefore, their policy covers various aspects, ensuring all your medical needs are met, not just during hospitalisation.
• Post-Hospitalisation Support: The policy covers nursing and medical expenses for up to 60 days after discharge, helping you focus on healing without additional financial stress.
• Daily Allowance for Hospitalisation: This health insurance policy eases the burden of hospitalisation with an additional daily allowance of 0.20% of the sum insured value per day, providing extra support during your time in the hospital.
• Pre and Post-hospitalisation Expenses: Pre-hospitalisation expenses, incurred within 45 days before hospitalisation, are covered. This ensures that diagnostic and investigative procedures leading to hospitalisation are financially supported.
• Ambulance Charges Reimbursement: For serious conditions requiring ambulance services, the insurer reimburses charges up to a maximum of 1% of the sum insured or Rs. 2,500 for each episode of hospitalisation.
• Daycare Surgeries Coverage: The policy covers 120+ identified daycare procedures, eliminating the need for admission and discharge hassles.
• Cumulative Bonus for No-Claim Years: For each claim-free year, 5% of the basic sum insured is added to your coverage, up to a maximum of 50% of the expiring policy's basic sum insured.

Inclusions of IFFCO Tokio Individual Health Protector Health Insurance Plan

Inclusions of the IFFCO Tokio Individual Health Protector Health Insurance are mentioned below:

• Comprehensive Medical Coverage: This policy takes care of your medical expenses before and after hospitalisation, covering everything from tests to follow-up treatments.
• Emergency Ambulance Assistance: You're covered for ambulance charges, ensuring that safe transportation is included in your health protection.
• Support for Critical Illness and Emergencies: This policy offers assistance for critical illnesses and emergencies, providing you with the support needed during challenging times.
• Inclusive Room Rent Expenses: Your room rent, along with hospital registration and service charges, is covered, easing the financial burden of your hospital stay.
• Convenient Daycare Coverage: With coverage for over 160 daycare procedures, this policy ensures that even short medical procedures are taken care of without hassle.
• Vaccination and Health Check-ups: Your vaccination and health check-up expenses are covered, encouraging proactive measures to maintain your well-being.
• AYUSH Treatment Support: This policy extends its coverage to AYUSH treatments, offering more comprehensive health protection.

Exclusions of IFFCO Tokio Individual Health Protector Health Insurance Plan

The exclusions in this IFFCO Tokio Insurance plan are as follows:

• Cosmetic Procedures: Enhancing your appearance through medical procedures is not covered by this policy. However, if you need plastic surgery due to an accident or injury, it can be considered for coverage.
• Pre-existing Health Conditions: Conditions you had before getting this insurance will be covered, but only after a waiting period.
• Pregnancy-related Situations: The policy does not cover childbirth and lawful terminations.
• Injuries from Self-harm or Suicide Attempt: Any injuries or medical expenses resulting from self-harm or attempted suicide are not included in the medical insurance coverage.
• Injuries in War: Injuries caused by war are not covered by this policy.
• Congenital Diseases: Conditions present since birth are not included in this medical insurance plan.

Documents Required to IFFCO Tokio Individual Health Protector Health Insurance Plan

You will need the following documents to buy the IFFCO Tokio Individual Health Protector Health Insurance plan:

• A properly completed application form.
• Present identification proof using documents such as an Aadhar card, Passport, Voter ID, or Driver's license.
• Verify your age with documents like a Birth Certificate, School Leaving Certificate, or Passport.
• Validate your address using Utility Bills, Rental Agreement, or Aadhar Card.
• Submit passport-sized photos.
• In certain instances, health check-up reports may be necessary.
• Provide any additional documents requested by the health insurance company.

How to Buy IFFCO Tokio Individual Health Protector Health Insurance?

To buy the IFFCO Tokio Individual Health Protector Health Insurance Plan, you need to follow the steps below:

Step 1: Go to the InsuranceDekho website.

Step 2: Click on "Health Insurance” under the “Insurance” tab at the top.

Step 3: Next, click on "Iffco Tokio" from the list of health insurance companies.

Step 4: Select the "Individual Health Protector Health Insurance" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Pay the medical insurance premium online.

Step 8: You will successfully receive the policy document via email.

Claim Process for IFFCO Tokio Individual Health Protector Health Insurance

Below are the ways to claim your IFFCO Tokio Individual Health Protector Health Insurance policy:

Cashless Claim

• Go to a hospital affiliated with Iffco Tokio.
• Present details of the Individual Health Protector Health Insurance plan and any other required information.
• Complete and submit the necessary documents for claim settlement.
• The insurance provider will make direct payments to the hospital.

Reimbursement Claim

• Select a hospital partnered with IFFCO Tokio.
• Settle your medical expenses at the chosen hospital.
• Initiate a reimbursement claim through the insurance company's website.
• Complete and submit the Individual Health Protector Health Insurance claim form along with relevant details.
• Your medical expenses will be reviewed and reimbursed by the insurance company.