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IFFCO Tokio Health Insurance for Individual

Individual Health Protector Policy by Iffco Tokio is a great individual health insurance plan. Offering comprehensive coverage at an affordable premium rate, the policy meets the diverse medical needs of countless policyholders and their families. Covering dependent children as well as adults, Individual Health Protector Policy covers senior citizens too. Offering guaranteed renewability for life, the policy comes with the feature of emergency assistance services, coverage for critical illness, and numerous benefits like such.

Key Features

  • Lifelong renewability
  • Vast coverage for all family members
  • Sum insured options ranging between Rs. 50,000 up to Rs. 20 Lakh
  • Emergency assistance services
  • Higher Sum Insured for Critical Illness Coverage
  • An additional daily allowance amount equivalent to 0.20% of sum insured per day
  • Add-on of critical illness cover
  • Tax benefits under Section 80D of the IT Act 1961

Scope of Coverage

  • Inpatient hospitalisation, comprising room rent expenses, ICU expenses, and others
  • AYUSH treatment expenses
  • 45 days pre & 60 days post hospitalisation expenses up to the limit of sum insured
  • Charges incurred for domiciliary hospitalisation up to a maximum aggregate sub-limit of 20% of sum insured
  • Coverage for 121 daycare procedures or surgeries
  • Cost of health check-up up to 1% of the basic sum insured
  • Vaccination expenses covered up to 10% of total premium paid
  • 5% increase of the basic sum insured in cumulative bonus at each renewal in respect of each claim free year, subject to maximum of 50%


Iffco Tokio Individual Health Protector Policy comes with a minimum entry age of 91 days. However, the maximum entry age for the policy is 65 years.


  • Dental treatment or surgery of any kind, unless requiring hospitalisation
  • Any expense on experimental or unproven treatments
  • Allopathic or AYUSH medicines
  • Pre-natal and post-natal expenses
  • Stem cell implantation/surgery and Genetic disorders

When it comes to health insurance for an individual, Individual Health Protector Policy is widely relied on. You too can talk to experts at InsuranceDekho at 1800 1205 698 to uncover more about the policy before investing in it.

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Health Insurance News


  • 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.

  • Who should buy IFFCO Tokio individual health insurance plan?

    IFFCO Tokio individual health insurance policy is an excellent buy for people looking forward to securing only themselves. If your family members are already insured for health and you wish to have a plan solely to meet your medical needs, Individual Health Protector would be an apt choice.

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