IFFCO Tokio Health Insurance FAQs

IFFCO Tokio Health Insurance

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Highlights

5,000+ Network Hospitals

1.55.454 Policies Issued

Lifelong Renewability

96.57% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • How many claims I can make with IFFCO Tokio plan?

    There is no maximum limit for claims to be made. Thus, you can make as many claims as you need within the limit of your plan’s sum insured. 

  • Can the company reject my claim in any case?

    Yes. The company can reject your claim on various grounds as per the terms and conditions mentioned in the policy.

  • Within how much time, one should inform the insurer to seek cashless facility or reimbursement of claim in planned and emergency situation?

    The insurer is required to be conveyed within 3 days prior to the hospitalisation in the case of planned hospitalisation. But, in the case of emergency hospitalisation, the insurance providing company need to be informed as soon as an insured member is admitted in the hospital.  

     

  • At how many hospitals is the cashless facility available?

    You can avail cashless treatment at more than 4,000 network hospitals.

  • What is the Claim Settlement Ratio (CSR) of Iffco Tokio Health Insurance firm?

    The Claim Settlement Ratio (CSR) of Iffco Tokio is 92.88%.

  • What documents do I need to present before Iffco Tokio team to request a claim?

    Here are the documents which need to be submitted to seek a claim:

    • Duly filled claim form 
    • Certificate from the doctor
    • Discharge details
    • Medicine prescriptions
    • Medical bills
    • Final receipts from the hospital
    • Diagnosis reports such as x-ray scan, ECG, etc.

    In addition to these, the claim settlement team of Iffco Tokio may ask for some other documents as well.

  • At how many network hospitals does Iffco Tokio provide cashless claim facility to its policyholders?

    Yes. Iffco Tokio offers cashless claim facility in over 4,000 network hospitals to the policyholders.

Critical Illness

  • Does IFFCO Tokio offer any specific plan for critical illness?

    Yes, IFFCO Tokio health insurance offers a plan called Critical Illness Insurance Policy.

  • How many policies under Iffco Tokio provides the coverage for critical illnesses?

    Iffco Tokio offers various health insurance plans that cover critical illnesses. The major one is  Critical Illness Insurance Policy. However, it provides the critical illness cover under other plans too, but as an extension with an additional payment of premium option such as Family Health Protector Policy, Individual Health Protector Policy, Swasthya Kavach Policy, and Individual Medishiled Policy.

  • Does the Iffco Tokio critical illness plan cover all the cases of hospitalisation?

    No, the critical illness plan offered by Iffco Tokio does not cover every situation and case of hospitalisation. There exist some exclusions to the coverage of a health insurance plan.

  • Does Iffco Tokio offer any lump-sum amount to its customers for critical illness treatment?

    Yes, a prescribed amount in lump-sum is provided to insured individuals on the diagnosis of the illness.

  • What are the major diseases covered by Iffco Tokio?

    Following are the illnesses that are covered by the Iffco Tokio under its Critical Illness Insurance Policy:

    • Stroke Resulting in Permanent Symptoms
    • Kidney Failure
    • Cancer
    • Paralysis
    • Bone Marrow Transplant
    • Open Chest CABG
    • End-Stage Liver Disease
    • Major Burns
    • Multiple Sclerosis with Persisting Symptoms
    • Coma

Family Floater

  • Does Iffco Tokio provide lifelong renewability option for people covered under the family floater plan?

    Yes, Iffco Tokio offers the option of lifelong renewability to people covered under the family floater plan that goes above 65 years of age restriction. Hence, you shouldn’t worry pertaining to the well-being of your elderly loved ones and parents after buying the policy for once.

  • What relationships get the coverage under the Iffco Tokio Health Insurance Firm?

    Under the Iffco Tokio Family Floater Plan different relationships are eligible to get covered such as:

    • Self
    • Spouse
    • Dependent Children
    • Dependent Parents
    • Dependent Relatives 
    • Relatives Living Together including Siblings

  • Do I need to pay a different premium amount for the coverage of different family members?

    No, you need to pay a single premium amount for getting an insurance cover for the whole family. This comprises of spouse, dependent parents, siblings, family members living together like sister-in-law, brother-in-law, and so on.

Feature

  • Can I expect a daily allowance under any plan of Iffco Tokio?

    Yes, the insurer covers 0.15% of the sum insured subject to the maximum of Rs. 1,000 as the daily allowance for the policyholders.

  • Is there any pre and post hospitalisation coverage offered by the Iffco Tokio?

    The Iffco Tokio provides the coverage for pre-hospitalization & post-hospitalization medical costs for 45 days and 60 days respectively under its different health insurance plans.

  • Does any health check-up offered to the policyholders by Iffco Tokio?

    Yes, the option of health check-up is provided up to 1% of the basic sum insured at the end of a block of four continuous claim-free years.

  • Does Iffco Tokio provide vaccination expenses?

    The insurance providing firm delivers the coverage for vaccination expenses maximum of 7.5% of the total amount of premium paid in the case of the single insured individual and up to 15% for all the insured members at the end of two continuous claim-free years with Iffco Tokio Family Health Protector Plan.

General Information

  • What is the Incurred Claim Ratio (ICR) of IFFCO Tokio?

    The Incurred Claim Ratio (ICR) of IFFCO Tokio is 90.69%.

  • Can I purchase more than one health insurance plan from IFFCO Tokio?

    Yes, you can buy more than one health insurance policy from IFFCO Tokio.

  • Does IFFCO Tokio General Insurance offer any customer support to seek information related to health insurance plans?

    Yes, IFFCO Tokio provides 24*7 customer care support at 1-800-103-5499 to provide information and offering support pertaining to claim settlement.

  • What would happen if I cancel a health plan of IFFCO Tokio after purchase?

    Your health insurance plan will stop from the date of policy cancellation. Also, you will get your premium back as per the rates of short period cancellation as per the terms and conditions of the policy.

  • How many network hospitals are empanelled with IFFCO Tokio?


    IFFCO Tokio General Insurance is tied up with around 5,000+ network hospitals across the country. Policyholders can find cashless hospitalisation at all these hospitals.

Help to Buy

  • Do I need to go through medical tests to buy plans of IFFCO Tokio?

    The age of going through the medical screenings to get a plan of IFFCO Tokio varies from policy to policy. Read policy wordings and brochures of the plans to find the correct age.

  • Is any discount offered on the purchase of any Iffco Tokio health insurance plan?

    Yes, two types of discounts are provided by the insurer for its policyholders such as:
    A) Existing Customers - Customers holding a policy of Iffco Tokio already are eligible to get 10% discount on the premium amount
    B) Group Mediclaim Discount - Employees who are covered under any Group Mediclaim Plan of Iffco Tokio with the sum insured of 4 Lakh or more are eligible to avail 10% discount. 
    It is to be noted that these discounts are to be computed on a cumulative basis that can’t exceed a total of 25%.

  • What are the essential documents required for purchasing a health plan from IFFCO Tokio?

    No documents from PAN Card to ID proof are needed to buy a health insurance policy from IFFCO Tokio. However, as per the rules of TPA and insurer, policyholders might need ID proof at the time of filing a claim.

Individual

  • How many daycare procedures or surgeries are allowed for individuals under Iffco Tokio?

    The Iffco Tokio team offers the coverage for 121 daycare treatments or procedures, where the patient is discharged immediately or after some time from the hospital and sent to home without spending 24 hours in the hospital. All the medical costs incurred on these 121-daycare surgeries or procedures are completely reimbursed under the Iffco Tokio insurance plan.

  • What is the limit of the sum insured to cover an individual by the Iffco Tokio?

    A wide range of the sum insured is provided under the Iffco Tokio for an individual plan that ranges between Rs. 50,000 and Rs. 20 Lakh.

  • What is the age criteria for the coverage of any individual under any Iffco Tokio plan?

    Individual between the age of 18 years and 65 years are eligible to get the coverage under the Iffco Tokio. Besides, if either parent is covered, the dependent kids above the age of 91 days are also eligible to get the coverage.

Kids

  • What is the eligibility criteria for the coverage of kids under the Iffco Tokio plans?

    The children can’t be covered alone in any policy. To get them covered under any plan, either of their parents needs to have coverage under a plan. However, different plans hold different age criteria to provide the cover to the kids, which ranges from the very first day to 3 months.

  • I have an 8-year-old daughter. Can she be covered under the critical illness plan of Iffco Tokio?

    Yes, any person who is of 5 years or more till the age of 60 years or less is eligible to get covered under the critical illness policy by Iffco Tokio.

  • What are the basic benefits that IFFCO Tokio provides under its health insurance plan for children?

    The benefits offered under the plans of Iffco Tokio health insurance for children incorporate pre & post hospitalisation, in-patient treatment, cashless benefit, daycare procedures, vaccination expenses, domiciliary hospitalisation, and various other benefits.

Parents

  • Can parents get their kids covered under any health insurance policy of Iffco Tokio?

    The Iffco Tokio allows parents to cover their kids in various plans offered by them such as Individual Medishield, Swasthya Kavach, Health Protector Plan, Family Health Protector, and so on.

  • Is there any plan under Iffco Tokio, through which I can get my parents covered in my plan only?

    Yes, there are some plans that allow you to add your parents in your plan such as Family Health Protector, Health Protector and so on.

  • Is there any parent-specific plan offered by the Iffco Tokio?

    Yes, Iffco Tokio has many plans where parents can be covered as those plans own the entry age till 65 years and come with lifelong renewability option as well.

Plan Coverage

  • Are vaccination expenses covered under the plans by Iffco Tokio?

    Yes, several health insurance plans by Iffco Tokio offer the coverage for the vaccination expenses like Family Health Protector Policy, Health Protector Plan, and so on.

  • Can I expect the coverage for daycare procedures under Iffco Tokio plans?

    Yes, Iffco Tokio gives the coverage for daycare procedures under its many plans, where hospitalisation is of less than 24 hours.

  • Are pre and post hospitalisation expenses covered under the policies provided by the Iffco Tokio?

    Yes, pre and post hospitalisation expenses get the coverage under different plans of Iffco Tokio. Generally, the coverage for pre and post hospitalisation expenses is offered for 45 days and 60 days respectively under the policies of Iffco Tokio.

Portability

  • While processing the portability option, does Iffco Tokio follow any specific guideline?

    Yes, Iffco Tokio adheres to the IRDA guidelines to execute the option of portability.

  • Does Iffco Tokio offer the option of portability?

    Yes. Iffco Tokio provides the portability option to its policyholders, so they can easily switch from any similar policy of other insurers to Iffco Tokio.

  • At what time can someone opt for the portability option?

    Anyone holding a health insurance plan can avail the option of portability only at the time of renewal and not any other time.
     

Premium

  • What is the amount of premium up to which tax benefits are applicable under Iffco Tokio health insurance policies?

    Premium amount up to Rs. 25,000 are qualified for tax benefit under Section 80D of the Income Tax Act 1961.

  • What is the maximum amount of discount Iffco Tokio offer its customers through its plans?

    Generally, discounts under the Iffco Tokio plans are computed on a cumulative basis, which can’t exceed a total of 25% of discount.

  • What are the factors which determine the value of the premium of Iffco Tokio health insurance plans?

    Here are the following basic factors that are considered to calculate the premium amount of Iffco Tokio:

    a) Sum insured
    b) Policy term
    c) Number of members
    d) Age of insured
    e) Medical history
    f) Gender

  • Does Iffco Tokio health insurance firm provide any discount on the premium amount to its policyholders?

    Yes, Iffco Tokio health insurance firm offers different types of discounts to its policyholders such as:

    A) Family discount
    B) Existing customer discount 
    C) Group mediclaim discount

  • What is the minimum premium amount for health policies provided by Iffco Tokio?

    The premium for Iffco Tokio health insurance policies starts at Rs. 3,675*  per annum. *The premium is subject to change.

Senior Citizen

  • My father is 61 years old. Can he be covered under any plan of Iffco Tokio?

    Yes, he can be covered under the health insurance plans of Iffco Tokio.

  • What are the plans of Iffco Tokio under which people above 60 years can be covered?

    Iffco Tokio have different plans under which people above 60 years of age can get covered such as Family Health Protector, Health Protector, Individual Medishield Policy, Swasthya Kavach and so on.

Tax Benefit

  • If I purchase a health plan with IFFCO Tokio, will I get any tax benefit?

    Yes, no matter which plan you purchase, you can avail tax benefits on every health insurance plan of IFFCO Tokio as per section 80D of the Income Tax Act 1961.

  • What should be the mode of payment to avail the tax benefit on the premium of health insurance plan?

    To avail tax benefit on the premium amount of health insurance plan, the policyholders are required to pay the premium through any mode other than cash.

  • What is the maximum limit of tax benefit that can be earned by the policyholders on the premium amount of Iffco Tokio plans?

    The limit of tax benefit is Rs. 25,000 if a proposer is below the age of 60 years and purchases the policy for himself/herself, while the limit extends to Rs. 30,000 in the case if a proposer is less than 60 years of age and buys a health insurance policy for a senior citizen, who is above 60 years of age. However, if a senior citizen purchases a plan for himself or herself then Rs. 50,000 tax benefit is earned. All the policyholders earn these tax benefits on different health insurance policies of Iffco Tokio as per Section 80D of the Income Tax Act.

Top-up

  • Does Iffco Tokio provide any top-up plan for policyholders?

    Yes, Iffco Tokio provides a top-up health insurance policy named as Health Protector Plus.

  • What are the sum insured options available under the top-up plan offered by Iffco Tokio?

    The sum insured of Health Protector Plus, a top-up plan of Iffco Tokio, ranges between Rs. 2 Lakh and Rs. 25 Lakh.

  • Who all can be covered under the top-up health insurance plan?

    If you buy the top-up plan by Iffco Tokio on an individual basis that coverage is offered to self, spouse, dependent kids up to 25 years, and parents. But, if purchased on the family floater basis, the members covered are self, spouse, and dependent kids.

  • Is there any discount offered under the top-up plan of Iffco Tokio?

    The Iffco Tokio offers a family discount under its top-up plan. The discounts provided are 5% for the inclusion of 2 members and 10% for inclusion of 3 members and more.

Woman

  • Does Iffco Tokio health insurance policies provide the coverage for ambulance charges for women insured members?

    Yes, Iffco Tokio health insurance plans offer the coverage for ambulance charges for women members.

  • Can women proposers buy health insurance plans from Iffco Tokio?

    Yes, the women proposers are allowed to purchase every plan offered by Iffco Tokio.

  • Do women get more tax benefit on the purchase of an Iffco Tokio health insurance plan?

    No, women and men gain the same tax benefits on the premium amount of Iffco Tokio health insurance policy. The only difference in tax benefit calculation is for senior citizens who are above 60 years of age.

  • Can a woman proposer make her husband and kid covered under any plan of Iffco Tokio?

    Yes, any woman can buy health insurance plan of Iffco Tokio and get her spouse and kids covered.

IFFCO Tokio Health Insurance Plan List

Name of PlanSum Insured
Family Health ProtectorMin: 1 Day; Max: 65 Years1.5 Lakh Get Quotes Now
Individual Health Protector PolicyMin: 91 Days; Max: 65 Years50 Thousand Get Quotes Now
Individual Medishield PolicyMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now
Swasthya Kavach PolicyMin: 3 Months; Max: 65 Years2 Lakh Get Quotes Now
Critical Illness Insurance PolicyMin: 5 Years; Max: 60 Years2 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
Corona Rakshak Policy Min: 18 Years; Max: 65 Years50,000 - 2.5 lakh Get Quotes Now

IFFCO Tokio Health Insurance Top Up List

Name of PlanSum Insured
Health Protector PlusMIn: 3 Months; Max: 65 Years2 Lakh Get Quotes Now

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.

IFFCO Tokio Health Insurance User Reviews

  • Best insurance company..

    IFFCO Tokio has the best claim settlement ratio.

    A
    Aditya
    On: Mar 15, 2020 | Views
  • Reliable & Trustworthy!

    Iffco Tokio is reliable and trustworthy. I have taken its Individual Health Protector policy and happy with its features. It’s a good policy for...

    Read More
    T
    Tina Mehta
    On: Jan 27, 2020 | Views
  • Add-on benefit!

    I have bought the Family Health Protector with optional critical illness coverage. I had to pay just an additional 30% amount to the basic premiu...

    Read More
    A
    Ajay
    On: Jan 27, 2020 | Views
  • Absolutely fine..

    Swasthya Kavach Policy is absolutely fine for me. It allows me to undergo cashless treatment in more than 5000 hospitals in the country. I am ver...

    Read More
    M
    Manoj Chauhan
    On: Jan 27, 2020 | Views
  • Fine product!

    Critical Illness Insurance policy by iffco tokio is a fine product to financially help me in an adverse situation caused by critical illnesses....

    Read More
    B
    Bhagyashree Chaudhari
    On: Jan 27, 2020 | Views
  • Hope for me!

    I did a lot of research for a reliable health insurer. And I finally came to the conclusion that iffco tokio is the best insurance company recommended...

    Read More
    P
    Priyanka Yadav
    On: Jan 26, 2020 | Views
  • Good to go!

    This policy of Iffco Tokio is good to go with to safeguard your health from emergency medical expenses! It’s a great financial relief from me an...

    Read More
    G
    Gurdeep Singh
    On: Jan 26, 2020 | Views
  • Sureness of health protection!

    Health Protector Plus of Iffco Tokio gives me sureness of proper health protection by increasing the sum insured of my basic health policy. It is a ni...

    Read More
    K
    Krupal Kumar
    On: Jan 26, 2020 | Views
  • Happy to have!

    I am happy to have the Critical Illness Insurance policy designed by iffco tokio. This policy will provide me with a good amount of money up to t...

    Read More
    G
    Girish Saxena
    On: Jan 19, 2020 | Views
  • Proper shield!

    With this policy in hand, i can get proper protection against expensive medical cover. This product has increased the sum insured so i can pay the med...

    Read More
    V
    Vishnu Roy
    On: Jan 19, 2020 | Views

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