IFFCO Tokio Health Insurance

IFFCO Tokio General Insurance Company is a joint venture between the Indian Farmers Fertiliser Cooperative Limited (IFFCO) and Tokio Marine Group where the former is the world’s largest fertilizer manufacturer and holds 51% of the company, and the latter is one of the largest insurance groups in Japan and holds the remaining 49%. Incorporated in 2000, the company offers a bouquet of insurance products such as health insurance, car insurance, bike insurance, travel insurance, home insurance, corporate policies like property insurance and liability insurance thereby fulfilling varied insurance-related needs of the customers.

IFFCO Tokio General Insurance Company is committed to providing you with peace of mind by offering a variety of comprehensive health insurance solutions that can be purchased separately or as a floater to cover multiple relationships. IFFCO Tokio health insurance plans cover you with numerous benefits such as cover for health check-up, ambulance charges, pre-hospitalisation and post-hospitalisation expenses, and so on. All in all, the insurer fulfils varied needs from different sections of the society with its specialised products.

Out of many IFFCO Tokio health insurance plans, we have shortlisted the top 5 for you. Find the plan highlights below:

1. IFFCO Tokio Family Health Protector Policy: The IFFCO Tokio Family Health Protector Policy protects you and your family from having to go to the hospital as a result of an illness, sickness, disease, or accident. If you are between the ages of 18 and 65, you may be eligible for this plan.You can also add dependent children under this plan. The plan offers you many benefits such as cover for in-patient hospitalisation expenses, cover for AYUSH treatment, domiciliary treatment, organ donor expenses, ambulance charges cover, etc. You can buy this plan for sum insured options between Rs. 1.5 lakh to Rs. 30 lakh.

2. IFFCO Tokio Swasthya Kawach Policy: The IFFCO Tokio Swasthya Kawach Policy is a floater policy with two options: the Base Plan and the Wider Plan. The sum insured options range from Rs. 2 lakh to Rs. 5 lakh in multiples of Rs. 1 lakh, and the policy is available for those aged 3 months to 65 years.The offers many benefits such as cover for daycare surgeries, organ transplant cost, in-patient hospitalisation expenses, and vitamins and tonics consistent with the illness.

3. IFFCO Tokio Health Protector Plus Policy: The IFFCO Tokio Health Protector Plus Policy is a top-up health insurance policy that protects you and your family against high treatment costs if you or a family member needs to be hospitalised due to an injury or disease.This policy can be purchased even without any other basic health insurance policy. You can be covered under this policy if aged between 18 years and 65 years. The cover for domiciliary hospitalisation expenses, ambulance charges, pre-hospitalisation and post-hospitalisation expenses etc. for sum insured options ranging between Rs. 2 lakh to Rs. 25 lakh.

4. IFFCO Tokio Individual Medishield Insurance Policy: Individual Medishield Policy from IFFCO Tokio covers you and up to 5 family members against hospitalisation, medical expenses, organ transplantation, surgical expenses, etc incurred as a result of an injury or disease.Available for a policy term of one year, the policy is available with sum insured options ranging between Rs. 50,000 and Rs. 5 lakh in multiples of 50,000. The policy offers you coverage benefits for in-patient hospitalisation, AYUSH treatment, and domiciliary hospitalisation.

5. IFFCO Tokio Critical Illness Policy: IFFCO Tokio Critical Illness Policy mitigates your financial hardship in case of a critical illness. You can be covered under this policy if you are aged between 5 years and 60 years. If you are diagnosed with a critical illness, the policy provides you a lump sum payment. This policy can be purchased as an add-on to your existing health insurance policy.

Along with many coverage benefits, IFFCO Tokio health insurance plans also offer you tax benefits on the premium paid for them under Section 80D of the Income Tax Act, 1961. To understand the tax benefits in detail, see the table below:

IFFCO Tokio health insurance plans offer you the following benefits:

• Reinstatement Of Sum Insured: IFFCO Tokio health insurance plans come with a benefit of sum insured reinstatement. This means that if the existing sum insured is totally exhausted due to claims filed during the policy year, the plan will return the full amount of the sum insured.
• Lifelong Renewals Guaranteed: IFFCO Tokio health insurance plans offer you lifelong renewability benefits. This means that there is no maximum age wherein the coverage stops. You can renew your policy every year and enjoy the benefits by paying the required premium.
• No Medical Test On Enrollment Up To 60 Years Of Age: Up to the age of 60, no medical test is required to receive benefits under IFFCO Tokio health insurance plans.
  
• Portability Benefit: If you are not satisfied with your current health insurance policy or want to change the coverage features, then it is possible by porting your policy into any other best health insurance plan offered by IFFCO Tokio General Insurance.
• Free Health Check-Up: IFFCO Tokio health insurance plans cover you against health check-ups once in every four claim-free years. You can enjoy this benefit for up to 1% of your basic sum insured.

IFFCO Tokio health insurance plans cover you against the following healthcare expenses:

• In-Patient Hospitalisation Expenses: IFFCO Tokio health insurance plans cover you against in-patient hospitalisation expenses incurred due to any illness, sickness, disease, or an accident that requires hospitalisation of at least 24 hours. The plans cover expenses related to oxygen, blood, anaesthesia room, nursing boarding, ICU/ICCU, the fee of the medical practitioner/surgeon/consultant/anesthetist, along with others.
• Daycare Procedures: Daycare procedures are those which, due to advanced medical equipment, require hospitalisation of fewer than 24 hours. For instance, an ENT treatment where you need to get ear wax removed, radiology therapy, or cataract operations, etc. IFFCO Tokio health insurance plans cover you against such treatments.
• Pre-Hospitalisation And Post-Hospitalisation Expenses: Pre-hospitalization and post-hospitalization expenses are covered by IFFCO Tokio health insurance policies for a set number of days, which vary from plan to plan.These expenses include routine tests, follow-up visits, unsealing the stitches, etc.
• Road Ambulance Expenses: IFFCO Tokio health insurance plans cover you against expenses related to emergency road ambulance services required to transfer you to the nearest hospital.
• Domiciliary Facility: When you are unable to be treated at a hospital because the hospital lacks sufficient means or resources to accommodate you in the wards, domiciliary care is one of your alternatives.You get this facility under IFFCO Tokio health insurance plans.
  

What All Is Not Covered Under IFFCO Tokio Health Insurance Plans?

IFFCO Tokio health insurance plans do not cover you against the following medical expenses:

• Deliberately Injuring Self: IFFCO Tokio health insurance plans do not cover you against any injury caused by the intention of self-harm. For instance, suicide.
• Expenses Related To Complications In Family Planning: IFFCO Tokio health insurance plans do not cover you against treatments related to family planning, pregnancy, miscarriage, abortion, childbirth, etc. except ectopic pregnancy.
• Expenses Related To Sexually Transmitted Diseases: IFFCO Tokio health insurance plans do not cover you against Sexually Transmitted Diseases (STDs) or venereal diseases.
• Medical Conditions Attributable To War:IFFCO Tokio health insurance plans do not cover health issues caused directly or indirectly by a foreign enemy, war or warlike actions, invasions, etc.
  
• Treatment For Any Unproven Treatment: IFFCO Tokio health insurance plans do not cover you against any medical treatment that is untested, experimental, unproven, or unconventional in nature.

Note that inclusions and exclusions vary with different IFFCO Tokio health insurance plans.

IFFCO Tokio health insurance plans come with the following terms:

Note that the terms vary with different IFFCO Tokio health insurance plans.

You can purchase IFFCO Tokio health insurance plans in two modes at InsuranceDekho-online and offline. The processes are as follow:

Buy IFFCO Tokio Health Insurance Plan Online at InsuranceDekho

Follow a few easy steps to buy IFFCO Tokio health insurance plans online from InsuranceDekho:

Step 1: Visit insurancedekho.com and click on the ‘health’ tab.

Step 2: Select your Gender. Then fill in your Name and Mobile Number. You will receive a One Time Password on the entered mobile number. Please enter that.

Step 3: Tell us ‘When do you want to buy the policy’ by choosing one of the options from the drop-down menu. Click on the ‘View Quotes’ button.

Step 4: Select the members of your family you wish to include in the policy. Click ‘Continue’.

Step 5: Select the age of your family members.

Step 6: Enter your Email ID and City. Click on ‘Submit and View Quotes’. You will see the most suitable quotes for you on the screen. Select the one you want to buy.

Step 7: Select the term for your shortlisted policy. Fill in the required details and pay online.

Buy IFFCO Tokio Health Insurance Plan Offline at InsuranceDekho

You can also buy IFFCO Tokio health insurance plans in the offline mode from InsuranceDekho. For this, you will be required to call us on the toll-free number 7551-196-989 and share your requirements with the customer care executives. You can call us any day (we are available 7 days!) between 9:30 AM to 6:30 PM.

You may even write to us at customersupport@insurancedekho.com in case of any doubt or query.

Health insurance has to be renewed after every policy term. This may be 1 year, 2 years, or 3 years depending on the option chosen.Renewal of your health insurance policy is important since it allows you to continue receiving benefits under your existing policy. By following a few simple steps, you can simply renew your IFFCO Tokio health insurance policy online:

Step 1: Visit the official website of IFFCO Tokio General Insurance and navigate to the Renewal Page. Select ‘Renew Health Policy’.
Step 2: Enter policy details like the product, policy number, and your name. Click on the ‘Search’ button.
Step 3: Pick your renewal quote.
Step 4: Pay online via your preferred mode of payment.