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IFFCO Tokio Health Protector Plus Health Insurance

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IFFCO Tokio Health Insurance
Health Protector Plus
Claim Settlement Ratio96.33%
Network Hospitals7,500+
Starting Premium (for 5L SI)Rs. 584/month
PED Waiting Period3 years

About IFFCO Tokio Health Protector Plus Health Insurance

The IFFCO Tokio Health Protector Plus is a top-up plan that holds the coverage for hospitalisation expenditures and ensures the care of health of yourself and your family. It prevents you from bearing high medical costs. The policy holds an option to select a deductible amount as per the feasibility of policyholders and secures their health against medical inflation at affordable rates. The deductible is the amount of hospitalisation expenses that are required to be borne by the policyholder before the policy starts paying. It means the proposer can opt for a limit that suits him or her from the 8 plan options.

The IFFCO Tokio Health Protector Plus Plan makes the arrangements to ensure the insured individuals in case of a major illness or accidental emergency with its range of benefits and attractive features. The best part of this plan is that it provides complete freedom to the policyholders with a top-up or super-top plans. Here proposers can choose that deductible should apply on their every claim or on the aggregate of all the claims in a year, if they want to buy the plan on individual or family floater basis and so on. With this top-up plan, one can cover family members such as self, spouse, parents, and dependent children.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Portability option is available
  • Availability of lifelong renewability
  • Free emergency additional services
  • Direct claim settlement by Iffco Tokio
  • Cashless facility at 4000+ network hospitals

What's Not Included

  • Genetic disorders and stem cell surgery
  • Treatment of AIDS and related illnesses
  • Injury occurred due to self-inflicting acts
  • Expenses during the first 30 days of the plan
  • Psychologic or psychiatric disorder treatment

1187 IFFCO Tokio Cashless Network Hospitals in India

Health Protector Plus User Reviews

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What users are saying
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  • Buying a policy from InsuranceDekho is quite easy as they follow a systematic approach towards policy purchasi...

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    By Raj Deshmukh
    On: Feb 25, 2021
  • InsuranceDekho is a website that has regular updates. So, all the latest most upgraded versions of an insuranc...

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    By Debesh Jha
    On: Jan 20, 2021
  • I had a medical emergency a few days back and needed information about in-patient hospitalisation coverage. I ...

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    By Tirupati Raman
    On: Jan 08, 2021
  • Health Protector Plus of Iffco Tokio gives me sureness of proper health protection by increasing the sum insur...

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    By Krupal Kumar
    On: Jan 26, 2020
  • With this policy in hand, i can get proper protection against expensive medical cover. This product has increa...

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    By Vishnu Roy
    On: Jan 19, 2020

IFFCO Tokio Health Protector Plus Expert Review

  • Expert Review

    Iffco Tokio has a series of affordable health insurance policies to offer. To provide more, the insurer offers Health Protector Plus Policy, a top up plan to those who want their additional medical expenses to be covered. The top up policy offered covers you and your family while saving you from sky-rocketing medical costs. However, it is significant to note that the policy provides additional coverage over and above the deductible amount opted by the insured.

    With regards to eligibility, the policy comes with an entry age starting from 18 years to 65 years. Coverage for dependent children above 3 months is also offered, provided that one of the parents should also be covered. Available under both policy types, individual and family floater, Health Protector Plus Policy also allows you to choose whether you want to go with option of ‘Top up’ or ‘Super Top up’. Most importantly, the policy comes with 8 plans to offer the widest possible range of sum insured amount, starting from Rs. 2 Lakh and reaching up to Rs. 25 Lakh.

  • Major Attractions

    As a top up policy, Health Protector Plus Policy proves to be perfect. Offering high coverage at low premium amount, the policy can be purchased without any other basic health policy. What’s best is that the policy has a vast cover to offer. Be it room rent expenses or expenses on blood, oxygen, surgical appliances and others, Health Protector Plus Policy covers all and prevents the insured from getting a pinch on their pocket. Prime highlights of the top up policy include -

    • 60 days pre & 90 days post hospitalisation expenses
    • Ayurvedic, Unani, Homeopathic hospitalisation expenses covered
    • Ambulance charges covered up to a maximum of Rs. 3000 per claim
    • Emergency Assistance Services at no additional cost
    • Daily allowance amount equivalent to 0.1% of the sum insured
    • Domiciliary hospitalisation up to a maximum aggregate sub-limit of 20% of sum insured
    • Hospitalisation expenses of a person donating an organ
    • Waiver of deductible in case of change/loss of job at a small additional premium
    • Option to buy standard health policy with continuity of benefits after 4 years
  • What’s More?

    A complete package, Health Protector Plus Policy comes across as an ideal top up policy choice. What makes the policy a preference of one and all are its prime features and additional elements such as easy cashless claim facility and lifelong renewability (if renewed without any break). The other key elements in the list include -

    • Hassle-free policy portability
    • Directly serviced by Iffco Tokio
    • 15 days free look period
    • Tax benefits under Section 80D of the Income Tax Act
    • Family discount (non-floater) - 5% for covering 2 members and 10% for covering 3 members and more
  • Conclusion

    At last, if you want to invest your money in a top up policy that not only covers you for more, but also gifts you with peace of mind, opt for Health Protector Plus Policy without giving it a second thought.

    If considering purchase, prefer online mode to get your policy issued quickly. Additionally, you can pick InsuranceDekho as your buying platform and get benefited with claim settlement support, policy transparency & portability, and other additional support features.

IFFCO Tokio Health Protector Plus Brochure

  • 4.63 MB
  • PDF Document
  • Aug 02, 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 Health Protector Plus Health Insurance Plan

  • Is there any age limit to opt for this IFFCO Tokio Health Protector Plus Top-up Plan?

    Anyone between the age group of 18 years and 65 years can opt for this top-up plan. However, the plan also provides the coverage for dependent kids above the age of 3 months if one of their parents are covered.

  • What are the sum insured options available under Health Protector Plus Top Up Plan?

    The top-up plan includes a wide range of sum insured options which range from Rs. 2 Lakh to Rs. 25 Lakh.

  • Does Health Protector Plus Top Up Plan provide lifelong renewability option?

    Yes, the plan offers the feature of lifelong renewability. The policy shall ordinarily be renewable without any restriction of age, (except on the ground of moral hazard, fraud or non-cooperation or misinterpretation by the insured) if it is renewed without any break.

  • Can I get my parents covered under the Health Protector Plus Top Up Plan?

    Yes, Health Protector Plus Top Up Plan offers the coverage for parents under the plan based on an individual basis.

  • How many plans are available to offer you the sum insured under the top-up plan?

    There are 8 plans available under the Health Protector Plus Top Up Plan to offer customers with the widest range of sum insured option. For details please see the policy wording.

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