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IFFCO Tokio Individual Health Protector Health Insurance

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

About IFFCO Tokio Individual Health Protector Health Insurance

IFFCO Tokio Individual Health Protector policy safeguards you and your family with an extensive protection plan coverage. The policy offers a lot of features and benefits to ensure it fulfills everybody’s healthcare needs and expectations. It delivers a wide range of sum insured amount from Rs. 50,000 to Rs. 20 Lakh on an individual basis. Policyholders can avail these wide ranges of benefits at 4,000+ network hospitals across the nation. Also, the insured members can avail of the tax benefit under the plan as per section 80D of the IT Act 1961.

This medical insurance policy is open for people within the age group of 18 years to 65 years. Dependent children of 91 days and above are also covered. The policy coverage is available with lifelong renewability option. The health insurance plan allows the coverage for different relations such as spouse, relatives living together, dependent children, dependent relatives, and dependent parents. The plan also gifts some amount of discounts to its customers such as existing customer discount, family discount and group mediclaim discount. However, these discounts are available on a cumulative basis and can’t exceed 25% in total.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre and post hospitalisation costs for 45 days and 60 days
  • In-patient hospitalisation cover for room rent, ICU charges, etc.
  • Vaccination expenses are covered up to 10% of the total premium paid
  • Daycare surgeries or procedures are covered
  • Cost of health check-up up to 1% of the basic SI

What's Not Included

  • Treatment of pre-existing ailments within 3 years
  • Cost of hospitalisation within the first 30 days of coverage
  • Expenses related to maternity, newborn, miscarriage, etc.
  • Injury or disease occurred due to self-infliction
  • Expenses incurred on x-rays, lab examinations and so on

1187 IFFCO Tokio Cashless Network Hospitals in India

Individual Health Protector Policy User Reviews

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Add-ons to Enhance Benefits

  • Critical Illness Cover

    The Individual Health Protector policy offers additional coverage for critical illnesses to its customers. Under this plan, the policyholders can avail the coverage for critical illnesses by paying an additional premium of 30% of the basic premium. On paying this little extra amount, the insured individuals will be provided with an additional sum insured up to another Rs. 20 Lakh.  

IFFCO Tokio Individual Health Protector Policy Expert Review

  • Expert Review

    Iffco Tokio’s Individual Health Protector Policy is a complete package. The policy offers extensive health insurance coverage while demanding an affordable amount for premium in return. Dependable by all means, Individual Health Protector Policy is a worthy investment that you can opt for to ensure financial stability during a medical emergency, without spending your hard-earned savings for even a day. All in all, Individual Health Protector Policy comes across as the real protector of one’s financial, mental, and physical health.

    The eligibility age range for Individual Health Protector Policy starts from 18 years and goes up to 65 years. Note that the policy provides coverage for dependent children (of age 91 days and above) if one of the parents is already covered. One of the best features of the policy is that it allows coverage for unlimited number of members of the family. Apart from the insured, their spouse, relatives living together, dependent parents/dependent children or any other dependent relatives staying in India can be covered under the plan. Besides the same, the sum insured range goes from Rs. 50,000 to Rs. 20 Lakh on individual basis. 

  • Major Attractions

    Individual Health Protector Policy has multiple benefits to offer. While you get covered for hospitalisation expenses including room rent, registration/service charges, fees of surgeon and medical practitioner, and others, you also don’t have to worry about organ donor expenses, domiciliary hospitalisation, AYUSH treatment expenses, etc. Furthermore, prime inclusions in the policy comprise -

    • Coverage for 121 surgical procedures
    • 45 days pre hospitalisation & 60 days post hospitalisation expenses
    • Daily allowance - 0.20% of sum insured
    • Ambulance charges - 1% of sum insured or Rs. 2500, whichever is less
    • Cost of health check-up - 1% of basic sum insured at end of block of 4 continuous, claim free policies
    • Hospitalisation if the period is more than 12 hours but less than 24 hours - Up to 50% of entitled room rent per day
    • Vaccination expenses - Up to 10% of total premium paid at end of block of 2 continuous, claim free policies
    • Cumulative bonus - 5% of sum insured, maximum of 50% for claim free policy
  • What’s More?

    While the Individual Health Protector Policy covers basic expenses and additional medical costs, it also provides benefits that can take your health insurance experience to the next level. The list of significant elements covered under the policy comprises -

    • Lifelong renewal of the policy
    • Direct claim settlement, no TPA involvement
    • 15 days free look period 
    • Tax benefits under Section 80D of the Income Tax Act
    • 5% family discount on covering 2 members; 10% discount on covering 3 or more members
    • 10% discount on policy premium for existing customers
  • Conclusion

    Overall, Individual Health Protector Policy is a great option if you want to get covered and secure the health of yourself, your spouse and dependent family members without paying a huge amount. The policy is dependable and doesn’t put you in any sort of hassle when the time is crucial.

    If willing to buy Individual Health Protector Policy, go for online mode so that it gets issued quickly. Also, prefer choosing InsuranceDekho for purchase if you want to avail benefits such as policy transparency & portability, claim settlement support, and other added features.

IFFCO Tokio Individual Health Protector Policy Brochure

  • 3.58 MB
  • PDF Document
  • Jul 19, 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 Individual Health Protector Policy Health Insurance Plan

  • What is the entry age to get covered under the Individual Health Protector Policy?

    People between the age group of 18 years and 65 years are eligible to buy this policy. However, the coverage allows dependent kids from the age of 91 days.

  • What is the amount of sum insured offered under this plan?

    Wide range of sum insured options is available from Rs. 50,000 to Rs. 20 Lakh, when the policy is purchased on an individual basis.

  • Does Individual Health Protector Policy offer a cover for critical illness?

    Yes, the plan provides an add-on cover for critical illness by paying an additional premium of 30% of the basic premium.

  • Can I get my parents covered under the Individual Health Protector Policy?

    Yes, the plan allows dependent parents to be covered under the plan.

  • How many family members can get coverage under the plan?

    There is an unlimited number of family members who can get covered under the plan such as spouse, dependent children, dependent parents, relatives living together or dependent relatives living away.

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