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IFFCO Tokio Critical Illness Health Insurance

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IFFCO Tokio Health Insurance
Critical Illness Insurance Policy
Claim SettlementDedicated Team
Claim Settlement Ratio96.33%
COVID-19 CoverYes
Network Hospitals5,000+
Policies Sold1,55,454

About IFFCO Tokio Critical Illness Health Insurance

In this era, when soaring medical prices are a huge concern for everyone, suffering from a critical illness can be considered a bane. Besides being unaffordable, proper and advanced treatment also look unachievable at many places. Hence, to fix these issues for the long term, a medical insurance plan like Iffco Tokio Critical Illness Insurance Policy is the best way out. It provides the financial cushion for prolonged and expensive critical illness treatment. The plan offers great relief to people between the age group of 5 years and 60 years if they fall prey to any of the listed critical illnesses.

The policy is designed to protect individuals against many severe diseases by offering an extensive sum insured option as a lumpsum amount. The Critical Illness Insurance Policy covers the ailments like Cancer, Coma, Total Blindness, Kidney failure, Stroke, Multiple Sclerosis, Coronary Artery (Bypass) Surgery, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Heart Attack (Myocardial Infarction), Paralysis, Major Organ Transplantation, and Heart Valve Surgery. If anyone diagnosed with any of these illnesses for the first time, the insurer is there to help the person with a lump-sum amount, cashless hospitalisation/reimbursement hospitalisation.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Lump-sum amount is offered
  • Multiple sum insured options for purchase
  • Free-look period of 15 days is provided
  • Tax benefits under section 80D of IT Act
  • Easy portability option is available

What's Not Included

  • Sexually transmitted disease treatment
  • Self-inflicted injury or illness related treatment
  • Injury occurred due to war or warlike operations
  • Consumption or abuse of intoxicating substances
  • Treatment related to pre-existing diseases

1187 IFFCO Tokio Cashless Network Hospitals in India

Critical Illness Insurance Policy User Reviews

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What users are saying
  • All
  • The Whatsapp number available on InsuranceDekho is responsive. I sent a message asking for the policy brochure...

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    By Purbasha Roy
    On: Feb 08, 2021
  • InsuranceDekho provides health plans for specific health-related needs. There are plans dedicated to critical ...

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    By Rittika Vaidya
    On: Jan 12, 2021
  • I wanted to learn more about critical illness insurance policy from the InsuranceDekho website. I contacted th...

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    By Debojit Chakrabarty
    On: Nov 09, 2020
  • Iffco Tokio Critical illness insurance policy is a must have insurance cover for everyone. It is specifically ...

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    By Akshay Raj
    On: Oct 20, 2020
  • Critical Illness Insurance policy by iffco tokio is a fine product to financially help me in an adverse...

    Read More
    By Bhagyashree Chaudhari
    On: Jan 27, 2020

IFFCO Tokio Critical Illness Insurance Policy Expert Review

  • Expert Review

    In order to help those with chances of being diagnosed with a critical illness, Iffco Tokio has come up with its Critical Illness Insurance Policy. A boon for many, the offered Critical Illness Insurance Policy promises supreme coverage of critical illnesses and freedom from financial concerns that arise at a crucial time like such. Having said that, if you have been looking for options to invest in critical illness insurance, considering this policy would be fruitful in not just one, but many ways.

    To begin with, the eligibility age range for Critical Illness Insurance Policy is 5 years to 60 years. Besides, it is a good option for people who are sole earning members or have high stress jobs, or critical illness in the family, etc. Offering extensive coverage at an affordable premium amount, Critical Illness Insurance Policy offers sum insured options starting from Rs. 2 Lakh. As far as the critical illnesses cover is concerned, note that the coverage is quite vast.

  • Major Attractions

    Critical Illness Insurance Policy by Iffco Tokio promises to offer financial stability even in the most critical times, and fulfills it without failing. Providing complete protection against 9 major critical illnesses, Critical Illness Insurance Policy proves to be the ultimate rescue from various concerns, be it in regards with mental health, physical condition or financial state. Prime coverage elements that make the policy a hit include - 

    • Vast critical illness coverage
    • Multiple options for purchase
    • Lump sum amount paid to the insured
    • Reimbursement of medical hospitalisation expenses 
    • First time diagnosis of 9 critical illnesses or symptoms
    • Major Organ/Bone Marrow Transplant, End Stage Liver Disease, Multiple Sclerosis with Persisting Symptoms, Major Burns, and Coma of Specified Severity covered
    • Stroke Resulting in Permanent Symptoms, Kidney Failure requiring Regular Dialysis, Cancer of Specified Severity, Open Chest CABG covered
    • Coverage for injuries (accidental physical bodily harm, solely and directly caused by external, visible, and violent & evident means)
  • What’s More?

    Critical Illness Insurance Policy by Iffco Tokio is not just a policy, but a complete experience in itself. Besides providing coverage for treatment of various critical illnesses and injuries, the policy ensures utmost comfort and convenience of the insured by providing a few other significant features. The list includes -

    • Easy claim process
    • Portability feature available
    • Free look period - 15 days
    • Grace period for policy renewal - 30 days
    • Tax benefits under Section 80D of the Income Tax Act
  • Conclusion

    To conclude, Iffco Tokio’s Critical Illness Insurance Policy is a great option if you want yourself successfully covered for serious illnesses, injuries, and symptoms without breaking your bank. Rest assured, the policy won’t disappoint you and let you face financial & mental breakdown in an already exhausting situation.

    If interested in buying Critical Illness Insurance and enjoying freedom from paying hefty bills, make sure you choose the online mode for purchase to allow quick issuance of the policy. To gain more benefits and avail policy transparency & portability, claim settlement support, and additional form of support, you can opt for InsuranceDekho as your online policy purchase platform.

IFFCO Tokio Critical Illness Insurance Policy Brochure

  • 357.08 KB
  • PDF Document
  • Jul 28, 2019

Claim Process at IFFCO Tokio Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Critical Illness Insurance Policy Health Insurance Plan

  • What is the age of entry for Iffco Tokio Critical Illness Insurance Policy?

    Anyone between the age group of 5 years and 60 years can get the coverage under the Iffco Tokio Critical Illness Insurance Plan. 


  • Does the plan offer sum insured amount in lump sum to its customers?

    Yes, the policy provides its policyholders with a lump sum amount up to the limit of sum insured on being diagnosed with specified critical illnesses.   


  • Does the plan provide any portability option?

    Yes, Iffco Tokio Critical Illness Insurance Policy provides an easy portability option to its policyholders. 

  • Does the policy offer any free-look period?

    Yes, the policy provides a free-look period of 15 days to its customers. With this feature, the policyholders can get aware of policy features and other details. The free-look period allows them to cancel the plan within 15 days, which begins from the date of commencement of the policy, if they don’t find it suitable for their family or themselves. 


  • Is there any grace period available under Critical Illness Insurance Policy from Iffco Tokio?

    Yes, the critical illness plan provides 30 days for renewals, as a grace period to its customers.  

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