Question 1

What is the entry age of getting covered under Individual Medishield Policy?

Accepted Answer

The age of proposers should be between 18 years and 65 years. However, the plan also provides coverage for dependent kids who are above the age of 3 months.

Question 2

What is the sum insured limit offered under Individual Medishield Policy?

Accepted Answer

A range of sum insured options is available under the Individual Medishield Policy that starts from Rs. 50,000 and continues up to Rs. 5 Lakh, in multiples of Rs. 50,000.

Question 3

Does this health insurance plan offer portability feature?

Accepted Answer

Yes, the plan provides portability feature for its customers with the help of which the policyholders can switch from a similar policy of any insurer to the plan of Iffco Tokio. This option protects the continuity benefit of the policyholders as per IRDAI guidelines.

Question 4

Does Individual Medishield Policy by Iffco Tokio offer any coverage for parents?

Accepted Answer

Yes, Individual Medishield Policy extends its coverage for dependent parents.

Question 5

How many members can get the coverage in a single plan under the Individual Medishield Policy?

Accepted Answer

This health insurance policy allows to cover up to 5 family members, which includes self, spouse, dependent kids (up to the age of 23 years), and dependent parents.

Question 6

Does this Individual Medishield Policy provide any add-on feature?

Accepted Answer

Yes, the health insurance policy provides an optional cover for availing the coverage related to the treatment of critical illness. The feature can be adopted by paying 30% extra amount on the basic premium of the plan.

Question 7

Is there any discount offered under the plan on its purchase?

Accepted Answer

Yes, three types of discounts are offered under the Individual Medishield Policy, which is as follows:      1.Family Discount   a)For 2 family members - 5% discount on total premium is offered. This includes the Main cover plus higher sum insured for the critical illness.    b)For 3 or more family members -  10% discount on total premium is offered. This includes the Main cover plus higher sum insured for the critical illness.      2.Existing Customers - 10% discount in policy premium for all customers holding any other insurance policy of Iffco Tokio      3.Group Mediclaim Discount - 10% discount for employees covered under any group mediclaim policy issued by Iffco Tokio for the sum insured of 4 Lakh and above      Note: All these discounts are calculated on a cumulative basis and can&rsquo;t exceed 25% in aggregate.

Question 8

How many hospitals give the cashless facility for Individual Medishield Policy?

Accepted Answer

The cashless facility for Individual Medishield Policy is offered at 4,000+ network hospitals across the country.

Question 9

Can I earn tax benefit with the purchase of Individual Medishield Policy?

Accepted Answer

If the payment is made through cheque, the proposers are entitled to earn tax benefits up to the limits as per section 80D of the IT Act.

Question 10

Is there any benefit related to alternative treatment available under the Individual Medishield Policy?

Accepted Answer

The Individual Medishield plan offers the coverage for AYUSH hospitalisation expenses up to 10% of the sum insured.

Claim Settlement	Dedicated Team
Claim Settlement Ratio	96.33%
COVID-19 Cover	Yes
Network Hospitals	5,000+
Policies Sold	1,55,454
Renewability	Lifelong

Name of Plan	Sum Insured
Family Health ProtectorMin: 1 Day; Max: 65 YearsPopular	1.5 Lakh	Check Premium
Individual Health Protector PolicyMin: 91 Days; Max: 65 YearsPopular	50 Thousand	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular		Check Premium
Individual Medishield PolicyMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium
Swasthya Kavach PolicyMin: 3 Months; Max: 65 Years	2 Lakh	Check Premium
Critical Illness Insurance PolicyMin: 5 Years; Max: 60 Years	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years	50,000 - 2.5 lakh	Check Premium
MOS-Bite Protector PolicyMin: 91 Days; Max: 65 years		Check Premium

Name of Plan	Sum Insured
Health Protector PlusMIn: 3 Months; Max: 65 YearsPopular	2 Lakh	Check Premium

IFFCO Tokio Individual Medishield Health Insurance Wordings

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FAQs on Individual Medishield Policy Health Insurance Plan

What is the entry age of getting covered under Individual Medishield Policy?

What is the sum insured limit offered under Individual Medishield Policy?

Does this health insurance plan offer portability feature?

Does Individual Medishield Policy by Iffco Tokio offer any coverage for parents?

How many members can get the coverage in a single plan under the Individual Medishield Policy?

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