IFFCO Tokio Health Insurance Top-up & Super Top-up Plans

A top-up plan can be described as a regular health insurance plan that covers hospitalisation expenses, but only after a threshold limit. Additional investment in every way, top-up plan is one of the best ways to enhance the health insurance cover, without spending a significant amount. A top-up plan is a reasonable health insurance investment that keeps you from running out of money when your claim amount exceeds your deductible.

A common choice of individuals with an existing plan or mediclaim, top-up plans are extremely cost-effective.Furthermore, top-up plans are more advantageous when they allow you to utilise your basic health insurance policy to make a claim up to the deductible amount while using the top-up plan to cover any expenses over the same.

IFFCO Tokio Health Protector Plus Policy

The IFFCO Tokio Health Protector Plus policy is an excellent top-up plan that gives you the option of choosing deductibles for each claim or for all claims in a year.Available on a family floater or individual sum insured basis, Health Protector Plus helps one secure high coverage at a low premium amount.

Key Benefits of IFFCO Tokio Health Protector Plus Policy

Iffco Tokio Health Protector Plus is a worthy investment. The top up plan, which is available for a one-year policy period, has a sum insured range of Rs. 2 lakh to Rs. 25 lakh.Talking about the expenses covered under the top up, in-patient hospitalisation, pre & post hospitalisation, organ donor expenses, and the below mentioned are to name a few:

• AYUSH treatment
• Room rent expenses
• Boarding and nursing expenses
• Emergency ambulance charges
• Domiciliary hospitalisation expenses
• Daily allowance equivalent to 0.10% of the total sum insured

Who Can Buy This Plan?

Anyone can purchase Iffco Tokio Health Protector Plus. However, the minimum entry age for the top-up is 3 months. The maximum entry age is 65 years.

Waiting Period Under the Plan

While pre-existing diseases have a 48-month waiting time, the first waiting period is only 30 days. In addition, the top-up plan includes a 24-month waiting period for the treatment of certain diseases.

Renewability of the Plan

Iffco Tokio Health Protector Plus comes with the feature of lifelong renewability.

Exclusions Under the Plan

• Maternity expenses
• HIV related conditions
• Treatment of mental diseases
• Cost of spectacles, contact lens and other hearing aids
• Genetic disorders and stem cell implantation or surgery

Want detailed information about Iffco Tokio Health Protector Plus before you invest in the plan? Kindly go through the Policy Wording right away! You can also get in touch with us, at InsuranceDekho at 7551-196-989 to get answers to all your questions.