IFFCO Tokio Family Health Protector Health Insurance

Limits can prevent you from getting proper treatment. However, with this add-on in hand with an additional payment of 6% of the basic premium one can waive off the limits on room/intensive care unit charges. This will lessen the worries related to expenses during long-term hospitalisation in the hospital and help you in finding the best treatment for yourself and your loved ones.  

Iffco Tokio’s Family Health Protector Policy is a complete package. A combination of multiple benefits and features, the policy helps insured and family members manage expenses related to room rent, ICU; fees of medical practitioner, surgeon & others; organ donor; domiciliary expenses; AYUSH cover; etc. Enabling cashless claim facility at over 4000 network hospitals across India, Family Health Protector Policy also covers a series of key elements that includes -

• 121 surgical procedures covered
• 45 days pre hospitalisation & 60 days post hospitalisation expenses
• Ambulance charges - 0.75% of sum insured or Rs. 2500, whichever is less
• Daily allowance - 0.15% of sum insured, subject to a maximum of Rs. 1,000
• Vaccination expenses - Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies
• Cost of health check-up - Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies
• Cumulative bonus - 5% of sum insured, maximum of 50% for claim free policy
• Hospitalisation expenses, if the period is more than 12 hours but less than 24 hours - Up to 50% of entitled room rent per day

Featuring a wide sum insured range as well as critical illness & emergency assistance services, Family Health Protector Policy fits the single premium, whole family needs under one umbrella. So, if you have been looking for the perfect health insurance for your entire family without having to pay a lot, Family Health Protector Policy is the one for you. A few prime features that this comprehensive policy offers and you may also find beneficial include -

• Guaranteed lifelong renewal
• Direct claim settlement 
• 15 days free look period 
• 30 days grace period 
• Tax benefits under Section 80D of the Income Tax Act
• 10% discount in policy premium for customers having any Iffco Tokio policy

To conclude, you can opt Family Health Protector Policy to get the best possible medical care of your family members when the need occurs and not worry in terms of finance, even once.

To get your Family Health Protector Policy issued quickly, choose the online mode for policy purchase purpose. For this, you can choose InsuranceDekho to make the most of policy transparency, claim settlement support, policy portability, and other added benefits and support features.

People between the age group of 18 and 65 years are eligible to get covered under Family Health Protector Policy. Dependent kids are insured from Day 1 if one of the parents are covered.

You can claim as many claims you require in a policy year. There is no prescribed limit, but the claims must be made within the limit of the sum insured.

Yes, domiciliary hospitalisation is covered up to 20% of the sum insured under Family Health Protector Plan.

Policyholders can avail the cashless facility option for Family Health Protector Plan at 4000+ network hospitals across the country. 

Yes, a period of 15 days will be provided from the date of receipt of the plan to review the plan in terms of features, benefits, terms and conditions etc., and to return it citing the reason of doing so.

Yes, a daily allowance of 0.15% of the sum insured up to the limit of Rs. 1,000 is provided per day to lessen the burden of other expenses in addition to medical costs.

Yes, the maximum of 7.5% of the total premium paid in case of the individually insured person and a maximum of 15% for the entire family is provided for the vaccination expenses at the end of two continuous claim-free years with us.

Yes, up to 1% of the basic sum insured is offered to cover the expenses of health check-up. This is offered after the block of four continuous claim-free years with us.

Yes, you can avail income tax benefit of up to Rs. 55,000 on Family Health Protector Policy as per section 80D of the Income Tax Act.