IFFCO Tokio Individual Health Protector Health Insurance

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

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

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.

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.

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

Yes, the plan allows dependent parents to be covered 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.