IFFCO Tokio Health Insurance FAQs

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio96.57%
COVID-19 CoverYes
Network Hospitals5,000+
Policies Sold1,55,454
RenewabilityLifelong

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.

  • At how many hospitals is the cashless facility available?

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

  • 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.

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

    The Claim Settlement Ratio (CSR) of IFFCO Tokio for FY 2018-19 is 96.57%.

  • 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.

  • What is the Claim Settlement Ratio of IFFCO Tokio Health Insurance?

    As per the IBAI’s General Insurance Claim Insights Handbook For Policyholders-3rd and 4th Edition, the Claim Settlement Ratio (CSR) of IFFCO Tokio Health Insurance for the financial years 2017-18 and 2018-19 is 92.88% and 96.57% respectively.

  • How to calculate the Claim Settlement Ratio (CSR) of IFFCO Tokio Health Insurance?

    To calculate the Claim Settlement Ratio of IFFCO Tokio Health Insurance, you can use the formula given below:

    Claim Settlement Ratio=(Total claims settled or paid)/(Total claims received+Outstanding claims at the beginning of the year)

  • How to process cashless insurance claim settlement of IFFCO Tokio Health Insurance?

    To process cashless claims under IFFCO Tokio Health Insurance plans, you are required to follow the steps given below:

    • Get hospitalised at the network hospital of your choice, show your health card at the hospital, and intimate the Third Party Administrator (TPA)
    • Fill the cashless claim form and send it by fax to the TPA
    • The TPA will examine your document and inform the network hospital about the decision
    • The TPA will approve your request and settle the bill directly at the hospital if the claim made was in accordance with the terms and conditions under the policy.

  • How to make reimbursement claims under health insurance plans offered by IFFCO Tokio Health Insurance?

    You can make reimbursement claims under IFFCO Tokio health Insurance plans by following the steps given below:

    • On getting hospitalised at a non-network hospital, immediately inform IFFCO-Tokio General Insurance
    • Avail the treatment and pay for the hospital bills from your own pocket
    • Download and fill the claim form from the official website of IFFCO Tokio General Insurance
    • Submit the required documents at the IFFCO Tokio office
    • The insurance company will settle the bills if the documents are found authentic and the claim has been made as per the terms and conditions under the policy.

  • What is the time frame within which the hospitalisation must be reported to IFFCO Tokio Health Insurance?

    You must inform IFFCO Tokio General Insurance within 24 hours of hospitalisation in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.

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

  • How to buy critical illness cover offered by IFFCO Tokio Health Insurance?

    To buy critical illness cover offered under IFFCO Tokio health insurance plans, you can fill quotes at InsuranceDekho. You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551-196-989 and share your requirements.

  • Who can buy critical illness plans offered by IFFCO Tokio Health Insurance?

    Anyone who is aged at least 18 years and resides in India can purchase critical illness cover offered by IFFCO Tokio Health Insurance.

  • Can I avail tax benefits on the premium paid for critical illness plans offered by IFFCO Tokio Health Insurance?

    Yes. You can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for critical illness plans offered by IFFCO Tokio Health Insurance.

  • What is the eligibility criteria for critical illness cover offered under IFFCO Tokio Health Insurance plans?

    To purchase a critical illness cover offered by IFFCO Tokio Health Insurance, you must be aged at least 18 years and must be a resident of India.

  • What are all documents required at the time of claim under critical illness plan?

    Following are the documents required at the time of claim under the critical illness plan offered by IFFCO Tokio Health Insurance:

    • Valid ID proof
    • Doctor’s letter recommending hospitalisation
    • Original bills from pharmacies
    • Doctor’s prescription advising medical tests, medicines, consultations, and so on
    • Post Mortem Report, if applicable, etc.
    • Original receipts, bills, and discharge forms signed by the doctor
    • Original diagnostic test reports, radiology reports and payment receipts
    • First Information Report (FIR) if it is a police case.

Family

  • 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.

  • What are different types of health insurance policies provided by IFFCO Tokio Insurance?

    IFFCO Tokio Health Insurance offers various type of policies such as Family Health Protector Policy, Individual Health Protector Policy, Swasthya Kavach Policy, Individual Medishield Policy, Individual Personal Accident Policy, Critical Illness Insurance Policy, Health Protector Plus Policy, Swasthya Raksha Bima, Critical Illness Benefit policy, MOS-BITE Protector Policy, Arogya Sanjeevani Policy, Corona Rakshak Policy and Corona Kavach Policy.

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.

  • 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.

  • Is there any pre-hospitalisation and post-hospitalisation coverage offered by IFFCO Tokio Health Insurance?

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

General Information

  • 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.

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

    The Incurred Claim Ratio (ICR) of IFFCO Tokio for FY 2018-19 is 102%.

  • What are the medical tests required prior to buying the IFFCO Tokio Health Insurance?

    Before buying IFFCO Tokio Health Insurance policy, a pre-policy medical checkup is required for people above 45 years of age. However, for the renewal of the current policy medical checkups are generally not required.

  • How do I get IFFCO Tokio Health Insurance payment receipt?

    You can visit IFFCO Tokio's official website or app to download your payment receipt.

  • Which plan is best in IFFCO Tokio health insurance?

    An ideal IFFCO Tokio plan is determined by the individual requirements and the specific type of plan chosen by a policy holder. However, for absolute coverage for self and family people foremost choose IFFCO Tokio Family Health Protector Plan.

  • What is the waiting period for pre-existing diseases under IFFCO Tokio health insurance plan?

    Under IFFCO Tokio Health Insurance Plan, the waiting period for pre-existing diseases is subject to a period of 48 months.

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.

  • 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.

  • How to check IFFCO Tokio Insurance policy status?

    To check the status of your policy visit the 'Claim Status' section of IFFCO Tokio's official website. Then, enter your policy number/claim number and click on 'Submit'.

  • How to contact IFFCO Tokio Insurance company?

    You can contact IFFCO Tokio General Insurance on their toll-free number 1800-103-5499 / (0124) 428 5499 for 24x7 assistance. Alternatively, you can also email them at websupport@iffcotokio.co.in.

  • When should I inform the company to port my IFFCO Tokio Health Insurance policy?

    To port your IFFCO Tokio Health Insurance Policy inform IFFCO Tokio at least 45-60 days before the renewal date of the policy.

  • How InsuranceDekho helps you to choose the best IFFCO Tokio health insurance plan?

    InsuranceDekho aids you in comparison of different IFFCO Tokio Health Insurance plans on the basis of various factors and ultimately, it lets you choose the best plan as per your requirements.

  • What are the documents required to buy a IFFCO Tokio health insurance plan?

    To purchase an IFFCO Tokio Health Insurance Plan you need a copy of your ID proof and Address Proof.

  • How to Download a IFFCO Tokio Health Insurance Policy Online Using Policy Number?

    Downloading the IFFCO Tokio policy document is an easy and quick process. To do the same, you can follow the steps given below:

    • Visit the official website of IFFCO Tokio General Insurance or application
    • Enter the policy details as asked
    • Download the policy document by clicking on Download.

    Note that you can also manage your IFFCO Tokio health insurance policies in one place with the help of the application. The app lets you check policy details, renew your health insurance policy, download a copy of your motor and health policies without any hassle.

  • Do I Need a Hard Copy of IFFCO Tokio Health Insurance Policy Document?

    You do not really need a hard copy of IFFCO Tokio Health Insurance policy as the Insurance Regulatory and Development Authority of India has asked the insurance companies to sell insurance plans online, at least until the coronavirus pandemic. This means that the entire process starting from filling a quote, until premium payment and receiving a policy document, the entire process will be held digitally. But if you still want one, then you can get the policy document by following the process.

  • How to Get a Hard Copy of IFFCO Tokio Health Insurance Policy?

    You will receive the hard copy of your IFFCO Tokio Health Insurance policy after 15 days of purchasing it. Also, if purchased the policy online, you will receive the policy document via registered email ID, from where you can instantly print the policy document and keep the hard copy for future purposes. The document will serve as a legally valid document and can be used as a policy document in case of claims.

  • How Can I Make Changes In My IFFCO Tokio Health Insurance Policy Document?

    On receiving your IFFCO Tokio Health Insurance policy document, you must go through it and see if the information is mentioned correctly or not. In case there is an error and you want to get it changed, then you can give a call on IFFCO Tokio’s toll-free number 1800-1035-499 and talk to the customer care experts. They will help you in getting an endorsement, after which the insurance company will clear the issue in your health insurance policy document. The insurance company allows you to make changes in the name of the nominee, contact details, zone, address, health condition, etc.

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.

  • What are different types of health insurance policies provided by IFFCO Tokio Insurance?

    IFFCO Tokio Health Insurance offers various type of policies such as Family Health Protector Policy, Individual Health Protector Policy, Swasthya Kavach Policy, Individual Medishield Policy, Individual Personal Accident Policy, Critical Illness Insurance Policy, Health Protector Plus Policy, Swasthya Raksha Bima, Critical Illness Benefit policy, MOS-BITE Protector Policy, Arogya Sanjeevani Policy, Corona Rakshak Policy and Corona Kavach Policy.

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.

  • Which diseases are covered IFFCO Tokio Health Insurance plans?

    The list of diseases covered by IFFCO Tokio Health Insurance depends primarily upon the specific type of plan chosen by the policyholder. For example, IFFCO Tokio Critical Illness Plan covers 25 critical illnesses such as cancer, kidney failure, sclerosis, brain tumor, lung failure, organ transplant, blindness, muscular dystrophy, etc.

  • What is covered in IFFCO Tokio Health Insurance?

    The coverage provided by IFFCO Tokio General Insurance depends on the type of the health insurance plan chosen by the individual. Generally, all IFFCO Tokio health plans provide for hospitalisation charges, pre-hospitalisation expenses, post-hospitalization expenses, ambulance cover, medicines, etc.

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.

  • How to use IFFCO Tokio Health Insurance premium calculator?

    To use the IFFCO Tokio health insurance premium calculator, simply visit InsuranceDeko, select the 'Health' tab, and fill in the required information. Best plans as per your budget will get displayed on your screen.

  • What are the details required for using IFFCO Tokio Health Insurance premium calculator?

    Some basic details are needed to use IFFCO Tokio Health Insurance Premium calculator are your name, contact information, members to be covered, the time period to purchase the plan, age of the members, and your city.

  • What are the factors affecting IFFCO Tokio Health Insurance premium amount?

    Major factors that affect IFFCO Tokio Health Insurance premium amount are your age, past medical history, policy duration, policy holder's occupation, body mass index, geographical location, and type of policy.

  • How to compare health insurance premium using IFFCO Tokio Health Insurance premium calculator?

    You can compare health insurance premiums of different plans using the IFFCO Tokio Health Insurance premium by assessing them on various factors such as PED waiting period, co-payment clause, restoration benefits, coverage etc.

  • What are the advantages of using IFFCO Tokio Health Insurance premium calculator?

    With the help of IFFCO Tokio Health Insurance premium calculator, you can get instant calculation for the plan customised as per your requirements.

  • How to calculate premiums of health insurance plans for parents offered by IFFCO Tokio Health Insurance?

    To calculate premiums of health insurance plans for parents offered by IFFCO Tokio Health Insurance, you can use the health insurance premium calculator available at InsuranceDekho. It is a free tool that takes into consideration various factors such as age, the sum insured, policy term, etc. and tells you the premiums of various IFFCO Tokio Health Insurance plans within a few minutes.

  • What are the benefits of the IFFCO Tokio Health Insurance premium calculator?

    Following are the benefits of using IFFCO Tokio Health Insurance premium calculator:

    • It simplifies the complex calculations of health insurance premium
    • It gives you an estimate of the premium to be paid which lets you plan financial schedules accordingly
    • It allows you to alter preferences and reduce the premium to be paid.

  • What are the factors that affect the health insurance premium of IFFCO Tokio Health Insurance plans?

    There are several factors that affect the health insurance premium of IFFCO Tokio Health Insurance plans. Some of these are age, the sum insured, policy term, members covered under the plan, add-on covers, etc.

  • Do I have to pay GST on premiums paid for IFFCO Tokio Health Insurance plans?

    Yes. you are required to pay GST at the rate of 18% on the premiums paid for IFFCO Tokio Health Insurance plans.

  • How to lower premiums for IFFCO Tokio health insurance plans?

    Here are a few tips that you can follow to lower premiums for IFFCO Tokio Health Insurance plans:

    • Choose deductibles wisely
    • Opt for health insurance policies with a co-payment clause
    • Buy health insurance plans on a floater basis instead of buying them on an individual basis
    • Go for top-up plans to get extra coverage at an affordable premium.

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.

  • Which is the best IFFCO Tokio health insurance plan for people aged over 65 years?

    The best IFFCO Tokio Health Insurance Plan for people aged over 65 years is Swasthya Kavach Policy. The plan comes in two variations namely Wider Plan and Base Plan, which secures senior citizens as an excellent health shield.

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.

  • What is the difference between a top-up plan and super top-up plan in IFFCO Tokio Health insurance?

    The top-up policy offers extended coverage when the sum insured of your base health insurance plan gets exhausted. A super top-up policy is similar to a top-up policy, except that a top-up policy considers multiple hospitalisations and covers you for the total of all hospitalisation bills above the threshold limit.

  • What is the difference between a rider and a top-up plan in IFFCO Tokio Health Insurance?

    Top up policies offered by IFFCO Tokio Health Insurance are regular indemnity policies that cover you for hospitalisation expenses but only after a threshold limit known as the deductible. However, health insurance riders are additional coverage benefits that you can opt for by paying an extra premium along with your health insurance policy.

  • What are the advantages of top-up policies apart from increasing the coverage amount for the existing IFFCO Tokio Health Insurance policy?

    A top-up policy is a cost-effective way to increase your coverage amount for the existing IFFCO Tokio Health Insurance plan. But apart from increasing coverage, it also lets you avail tax benefits on the premium paid for these plans under Section 80D of the Income Tax Act, 1961. It covers you when your health insurance claim reaches a threshold limit, also known as the deductible.

  • Why should you get a top-up plan in IFFCO Tokio Health Insurance?

    Opting for IFFCO Tokio Health Insurance plans is a wise option as it comes at an affordable premium and offers additional coverage as well as tax benefits under Section 80D of the Income Tax Act, 1961. So, if you find your existing health insurance policy insufficient, then you can go for a top-up policy.

  • Who should buy a top-up in IFFCO Tokio Health Insurance?

    Anyone who finds their coverage under IFFCO Tokio Health Insurance plans insufficient, they can purchase top-up policy for extra coverage.

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
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years50,000 - 2.5 lakh 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

IFFCO Tokio Health Insurance Top Up List

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

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IFFCO Tokio Health Insurance Contact Details

Reach us for help anytime

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.

1049 IFFCO Tokio Cashless Network Hospitals in India

Insurance Products by IFFCO Tokio General Insurance

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