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IFFCO Tokio Family Health Protector Health Insurance

61 reviews Rate This
Family Health Protector
Claim SettlementDedicated Team
Claim Settlement Ratio96.33%
COVID-19 CoverYes
Network Hospitals5,000+
Policies Sold1,55,454

About IFFCO Tokio Family Health Protector Health Insurance

IFFCO Tokio understands the importance of a family in everyone’s life. On this note, it offers a plan called Family Health Protector Policy to provide comprehensive coverage to families. The cover holds a number of features to ensure it fulfills the healthcare-related needs and expectations. It is a reliable plan for the entire family where it includes spouse, dependent kids, dependent parents, in-laws living together, some dependent relatives and so on. To deliver proper coverage to all the family members the plan holds the sum insured that ranges between Rs. 1,50,000 and Rs. 30,00,000. The extensive cover option helps policyholders assure that the sum insured is not exhausted in a single-member treatment.

With this medical insurance plan, one can secure the whole family with a single premium that comprises members from newborn to senior citizens. In addition to this, there are several features, which include pre and post hospitalisation cover, alternative treatment expense coverage, health check-up and vaccination cover, daycare treatment coverage, free look period, tax benefit and so on. The plan comes with a lifelong renewability option that enables the policyholders to enjoy the benefits of the plan forever.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation coverage for room charges, doctor’s fee, etc.
  • Organ donor expenses are covered during the transplantation
  • Alternative treatments like Ayurveda, Homeopathy, etc., are covered
  • Domiciliary expenses up to 20% of the sum insured are covered
  • Coverage for a daily allowance up to a maximum of Rs. 1,000 per day

What's Not Included

  • Treatment of Congenital External Defects or Anomalies
  • Coverage for expenses incurred on vaccination or inoculation
  • Coverage for venereal illnesses and sexual transmitted diseases
  • Medical procedures for behavioural, and psychiatric ailments
  • Treatment of self-inflicted injuries occurred due to a suicide attempt, etc.

1049 IFFCO Tokio Cashless Network Hospitals in India

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Add-ons to Enhance Benefits

  • Critical Illness

    Family Health Protector Policy provides an optional cover for critical illness to the entire family. Therefore, by paying 30% additional amount in addition to the basic premium, you can get yourself and your family members avail the advantages of double coverage for the specified critical illnesses.

  • No Limit for Room Rent and ICU

    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 Family Health Protector Expert Review

  • Expert Review

    Family Health Protector Policy is one of the most popular plans offered by Iffco Tokio. A worthy investment, the policy is specifically designed to meet the diverse medical requirements of a family. Affordable and reliable, Family Health Protector Policy is apt as an ideal solution to multiple financial concerns and stress situations that occur at the time of a medical emergency. Overall, it is an excellent way to prevent added tension at a time when you can’t afford to deal with multiple things at once.

    Eligibility age range for Family Health Protector Policy starts from 18 years and goes up to 65 years. However, dependent children can also be covered from day 1 onwards when one of the parents is covered. Note that under family, the policy covers spouse, relatives living together, dependent children/relative, and dependent parents. Lastly, the sum insured range for Family Health Protector Policy starts from Rs. 1.5 Lakh and goes up to Rs. 30 Lakhs on floater basis. 

  • Major Attractions

    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
  • What’s More?

    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
  • Conclusion

    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.

IFFCO Tokio Family Health Protector Brochure

  • 4.14 MB
  • PDF Document
  • Jul 05, 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 Family Health Protector Health Insurance Plan

  • What are the sum insured options offered under Family Health Protector Policy?

    The Family Health Protector plan offers a wide range of sum insured options from Rs. 1.5 Lakh to Rs. 30 Lakh. This helps in providing comprehensive coverage to the entire family without falling short of the sum insured.

  • What are the minimum and maximum entry age required to be covered under the plan?

    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.

  • Under Family Health Protector Plan, how many claims I can make in a policy year?

    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.

  • Does the plan offer the coverage for domiciliary treatment?

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

  • How many network hospitals offer the cashless facility for Family Health Protector Policy?

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

  • If I purchase the Family Health Protector Plan, will I get any free look period?

    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.

  • Is there any daily allowance given under the Family Health Protector Policy?

    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.

  • Will I get coverage for vaccination expenses for my baby under Family Health Protector Policy?

    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.

  • Does the policy provide any coverage for a health check-up?

    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.

  • Can I earn any benefit related to tax on the purchase of Family Health Protector Policy?

    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.  

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