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Individual Health Insurance Plans

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IFFCO Tokio Health Insurance

Established in 2000, IFFCO Tokio General Insurance Company is a joint partnership between the Indian Farmers Fertilizer Co-operative (IFFCO) and its allies, Tokio Marine and Nichido Fire Group. The company provides a wide range of insurance products, including health insurance, motorcycle insurance, vehicle insurance, travel insurance, house insurance, and corporate policies such as property insurance and liability insurance, to meet the demands of its customers.

IFFCO Tokio General Insurance Company is dedicated to providing you with peace of mind by offering a variety of comprehensive health insurance solutions that can be purchased individually or as a floater to cover several relationships. Moreover, the company’s specialized products meet a wide range of needs from various segments of society.

Key Highlight

Claim Settlement Ratio99.71% (For Fiscal Year 2020-21)
Premium UnderwrittenRs. 7,961.04 Crores (2019-2020)
Equity Share Capital274.22 (As Of March 31, 2020)
Incurred Claim Ratio88.61 (2019-2020)
Solvency Ratio1.58 (As On March 2020)
Network Hospitals6400+
Corporate OfficeIFFCO Tower, Plot No. 3, Sector 29, Gurgaon – 122001, Haryana, India.
Recent Awards & Recognitions
  • Asia’s Top Most Influential Insurance Leaders Award – Mrs. Anamika Roy Rashtrawar by Insurance Alertss, 2020.
  • Business Leader of the Year Award for Mrs. Anamika Roy Rashtrawar by TechCircle Business Transformation Symposium & Awards 2020.
  • IT Leader of the Year Award for Mrs. Seema Gaur by TechCircle Business Transformation Symposium & Awards 2020.
  • Women Technology Officer of the Year Award for Mrs. Seema Gaur by Insurance Alertss.
  • Women Vice President of the Year Award for Mrs. Pallavi Roy by Insurance Alertss.
  • Women General Manager of the Year Award for Mrs. Preeti Bali by Insurance Alertss.
  • IFFCO Tokio won BFSI Digital Innovation Award by Express Computers, Indian Express Group.
  • IFFCO Tokio won Digital Insurer of the Year, 2019 by the Insurance Asia News Awards for Excellence.
  • Ms. Seema Gaur inducted to the CIO Hall of Fame for winning the CIO 100 main award four times in succession.
  • IFFCO Tokio won the P & C Insurer of the Year, 2019 by the Insurance Asia News Awards for Excellence.
  • 2019 Digital Transformer for India and 2019 Omni Experience Innovator for India in the Ecosystem Engagement Category at the 3rd Annual IDC Digital Transformation Awards.
  • “Product Innovator of the Year 2018” for our Bank Locker Protector at the 4th Annual Insurance India Summit and Awards 2019.
  • “2019 CSO 100 Awards” for Mahesh Shrivastav by 3rd Annual CSO 100 Symposium and CSO Online for Information Security Leaders.
  • “Women in AI sector” for Ms.Seema Gaur by IBM.
  • “Emerging Asia Business Award by ICC, Kolkata. Certificate and Trophy for Good Practices in Crop Insurance”.
Types Of Plans
  • Family Health Insurance
  • Individual Health Insurance
  • Individual Health Protector Policy
  • Individual Medishield Policy
  • Family Health Protector Policy
  • Health Protector Plus Policy
  • Personal Accident Insurance
  • Critical Illnesses For Family
  • Health Insurance Top-Up
  • Swasthya Raksha Bima
  • Mosquito Bite Insurance
  • Arogya Sanjeevani Policy
  • Corona Rakshak Policy
  • Corona Kavach Policy
  • Hospital Daily Cash Policy
  • Saral Suraksha Bima Policy

IFFCO Tokio Health Insurance Plans

1. IFFCO Tokio Family Health Insurance

The Family Health Insurance plan from IFFCO Tokio ensures that you and your loved ones will never have to worry about medical costs. Hospital bills, diagnostic tests, scans, pre and post-hospitalization charges, and a variety of additional healthcare expenses are all covered under the plan. All of this is covered so you can rest easy knowing your family is safe!

Key Features:

  • Room Rent Expenses: Room rent expenses are covered including service charges, hospital registration, etc.
  • Pre- & Post-Hospitalization Expenses: Medical expenses occurring before and after hospitalization are covered under the plan.
  • AYUSH Treatment: Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments are covered under the plan.


Sum InsuredRs. 1.5 Lakhs To Rs. 30 Lakhs
Entry Age3 Months To 80 Years
Ambulance CoverageUp To Rs. 2,500 Per Hospitalization
Daily Allowance CoverUp To Rs. 1,000 Per Day
Number Of Day Care Procedures Covered160+

2. IFFCO Tokio Swasthya Kavach Policy

IFFCO Tokio Swasthya Kavach policy is a family health insurance policy that will cover the costs of medical treatment, hospitalization, surgery, and organ transplantation in the event of illness or accident.

Key Features:

  • Comprehensive Coverage: The plan covers the proposer, their spouse, and three dependents (children, siblings, nephew, and niece).
  • Pre- & Post-Hospitalization Expenses: The plan also covers the expenses occurring before and after hospitalization of the insured person.
  • Room Rent Expenses: The plan provides coverage for room rent expenses, including hospital service charges, registration fees, etc.


Sum InsuredRs. 1 Lakh To Rs. 5 Lakhs
Entry age18 To 65 Years
Ambulance ChargesUp To Rs. 750/Rs. 1500 Per Hospitalization
Daily AllowanceUp To Rs. 150/Rs. 250 Per Day
Number Of Day Care Procedures Covered160+

3. IFFCO Tokio Individual Health Insurance

IFFCO Tokio’s Individual Health Insurance plan will help cover your medical bills in the event of an emergency. This frees you up to concentrate on your recuperation rather than fretting about hospital expenditures.

Key Features:

  • Ambulance Coverage: The plan provides coverage for ambulance expenses.
  • Critical Illness & Emergency Assistance Service: The plan also provides coverage for emergency assistant service and critical illness.
  • AYUSH Treatments: The treatments done under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems will be covered under the plan.


Sum InsuredRs. 50,000 To Rs. 20 Lakhs
Ambulance CoverageUp To Rs. 2,500 Per Hospitalization
Daily Allowance20% Of Sum Insured Per Day
Number Of Day Care Procedures Covered160+

4. IFFCO Tokio Individual Medishield Policy

Individual Medishield policy saves you money by lowering your medical expenses in the event of an accident or disease. Aside from basic illness coverage, the plan also covers critical illnesses like major organ transplants, kidney failure, and heart operations, among others. The insurance will cover the financial costs if an unpleasant event occurs, such as an illness or an accident that requires hospitalization.

Key Features:

  • Family Discount: The plan offers a discount on family coverage.
  • Health Check-Up: Once every four claim-free years, the cost of a health check-up is covered under the plan.
  • No Medical Check-Up Up To Age 60: The plan doesn’t require the insured person to undergo any medical check-up up to the age of 60.


Sum InsuredRs. 50,000 To Rs. 5 Lakhs
Ambulance CoverageUp To Rs. 1,500 Per Hospitalization
Daily AllowanceRs. 250 Per Day
Number Of Day Care Procedures Covered160+

5. IFFCO Tokio Family Health Protector Policy

Under IFFCO Tokio Family Health Protector Policy, hospital bills, diagnostic tests, scans, pre and post-hospitalization charges, and a variety of other healthcare expenses are covered. The plan is made to be flexible. It doesn’t matter if you’re a single parent, has a young family, or have a large family; you can tailor the plan to your family’s needs and get coverage that suits precisely.

Key Features:

  • No Medical Test Up To Age 60: Under the plan, the insured person need not undergo any kind of medical test up to age 60.
  • Room Rent Expenses: The plan covers various room rent expenses including service charges, registration fees, etc.
  • Pre- & Post-Hospitalization Expenses: The plan covers expenses arising before and after hospitalization expenses.
Sum InsuredRs. 1.5 Lakhs To Rs. 30 Lakhs
Ambulance CoverageUp To Rs. 2,500 Per Hospitalization
Daily Allowance CoverageUp To Rs. 1,000 Per day

6. IFFCO Tokio Health Protector Plus Policy

The Health Protector Plus Policy provides a variety of benefits in addition to covering you in the event of a major illness. The plan has two insurance cover options: Family Floater and Individual Sum Insured.

Key Features:

  • Hospital Room Rent: The plan covers hospital room rent including boarding and nursing expenses.
  • Pre- & Post-Hospitalization Expenses: Expenses incurring during pre and post-hospitalization are covered under the policy.
  • Alternative Treatments: Alternative medicine hospitalization expenses, such as Ayurveda, Homeopathy, and/or Unani, incurred at government-approved hospitals.


Sum InsuredRs.2 Lakhs To Rs. 25 Lakhs
Policy Tenure1 Year
Entry Age

Minimum Age: 18 Years

Maximum Age: 65 Years


7. IFFCO Tokio Personal Accident Insurance

Personal accident insurance protects you and your family against the financial consequences of an accident. The plan will provide a lump sum payout in the event of any of these terrible circumstances, as outlined in the policy terms and conditions.

Key Features:

  • Permanent Total & Absolute Disablement: The plan provides coverage for the loss of limbs, eyesight, or permanent total and absolute disablement of the insured person.
  • Children Education: The plan also provides coverage for the children’s education for their better future.
  • Loss Of Employment: The plan also provides coverage for the loss of employment of the policyholder.


Ambulance ExpensesCovered
Permanent Total DisabilityCovered
Permanent Partial DisabilityCovered
Temporary Total DisabilityCovered
Accidental DeathCovered

8. IFFCO Tokio Critical Illness Policy

The IFFCO Tokio Essential Illness Policy provides financial assistance to policyholders in the event of a health emergency caused by one of the 25 critical illnesses specified.

Key Features:

  • Comprehensive Plan: All members of the family, including parents and in-laws, are insured under a single policy.
  • No Medical Test Up To 50: A person under the age of 50 can purchase the policy without having to undergo any medical examinations.
  • Cost-Effective: It is a cost-effective policy, with discounts on family options available.
Number Of Critical Illnesses & Surgeries Covered25
Daily Allowance CoverUp To Rs. 1000 Per Day
Sum InsuredUp To Rs. 1 Crore

9. IFFCO Tokio Swasthya Raksha Bima

For you as well as your family, IFFCO Tokio’s Swasthya Raksha Bima is a reasonable and comprehensive protection plan. People who live in smaller towns and cities can get low-cost health insurance with this plan.

Key Features:

  • Pre- & Post-Hospitalization: The plan covers pre- and post-hospitalization expenses for 30 days.
  • Organ Donor Expenses: Covers the hospitalization costs of the person donating the organ.
  • Ambulance Coverage: The plan also covers the ambulance expenses.
Ambulance CoverageUp To Rs. 750
Domiciliary Hospitalization20% Of Sum Insured
Daily AllowanceRs. 150 Per Day
Entry Age18 To 65 Years

10. IFFCO Tokio Mosquito Bite Insurance

When you are diagnosed with a vector-borne disease, the IFFCO Tokio’s Mosquito Bite insurance provides you a lump sum payment. The plan protects the entire family from seven vector-borne diseases.

Key Features:

  • No Medical Test: There is no requirement for a medical exam prior to purchasing the policy.
  • Comprehensive Coverage: Family members are covered including the spouse, children, brothers, sisters, parents, and in-law parents.
  • 7 Vector-Borne Diseases: The plan covers 7 vector-borne diseases: Dengue fever, Malaria, Lymphatic Filariasis, Kala-azar, Chikungunya, Japanese Encephalitis, Zika Virus.
Entry Age

For Adults: 18 To 65 Years

For Children: 91 Days To 23 Years

Sum InsuredUp To Rs. 1 Lakh

11. IFFCO Tokio Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy from IFFCO Tokio is a conventional health insurance plan that covers all of the insured person’s medical expenses. If an insured person needs to be hospitalized for the treatment of an injury or illness at a hospital during the policy’s term, the insurance company will pay for all of the expenses listed in the policy.

Key Features:

  • Comprehensive: Apart from providing coverage for self, the plan also provides coverage for parents, spouses, dependent children, and parents-in-law.
  • Pre- & Post-Hospitalization Expenses: The expenses occurring before and after hospitalization are covered under the plan.
  • Cumulative Bonus: For every claim-free year, the plan offers a cumulative bonus to the insured person.
Sum InsuredRs. 1 Lakh To Rs. 5 Lakhs
Ambulance CoverageUp To Rs. 2000 Per Hospitalization
Daily Allowance CoverNot Available

12. IFFCO Tokio Corona Rakshak Policy

With the number of COVID 19 cases increasing by the day, health insurance is more important than ever. IFFCO Tokio’s Corona Rakshak Health Insurance Policy can help protect you from the high costs associated with a COVID 19 infection. The Corona Rakshak Policy pays out a flat payment that can be used to cover medical expenses.

Key Features:

  • Significant Payout: If a policyholder requires hospitalization after testing positive for COVID 19, the Corona Rakshak Health Insurance Plan provides a lump sum payment. This payment may be able to assist you to pay for life-saving medical treatment.
  • Tax Benefits: According to section 80D of the Indian Income Tax Act, the premium paid is eligible for tax benefits.
  • Compensation For Loss Of Income: The Corona Rakshak Policy is a benefit-based plan that provides a payout to compensate for potential income loss as a result of a COVID 19 diagnosis.


Eligibility18 To 65 Years
Sum InsuredRs. 50,000 To Rs. 2.5 Lakhs
Policy Tenure3.5 Months, 6.5 Months, 9.5 Months

13. IFFCO Tokio Corona Kavach Policy

No one is completely safe as the number of people infected with COVID-19 continues to climb. Corona Kavach Health Insurance Policy is the perfect armor to protect you from high medical expenditures while also assuring you get the best treatment possible!

Key Features:

  • COVID-19 Hospitalization: COVID-19 hospital expenditures are covered up to the policy’s sum insured. Consumables, such as personal protective equipment (PPE) kits, are also covered.
  • AYUSH Treatment: Inpatient care from Ayurveda, Yoga, and Naturopathy, as well as Unani, Siddha, and Homeopathy, is covered under the plan.
  • Telemedicine Expenses: The Corona Kavach Health Insurance Plan also covers telemedicine consultation fees.
Sum InsuredRs. 50,000 To Rs. 5 Lakhs
Eligibility18 To 65 Years
Policy Tenure3.5 Months, 6.5 Months, 9.5 Months

14. IFFCO Tokio Hospital Daily Cash Policy

The Hospital Daily Cash Policy pays a set amount for each continuous and completed period of 24 hours in which the insured person is hospitalized as a result of an accidental bodily injury or illness that occurs or manifests during the policy period.

Key Features

  • Pre-Existing Disease Cover: The plan covers the pre-existing disease with a waiting period of 48 months.
  • Day Care Surgeries: The plan pays daily cash benefits for the daycare surgeries listed in the policy’s annexure.
  • Modern Treatments: The policy covers modern treatments, such as oral chemotherapy, immunotherapy, etc.
Waiting Period30 Days
Policy Tenure1/2/3 Years
Maximum Benefit Period Per Year15/30/60/90/180 Days
Daily Cash Options
  • Normal: Rs. 250/500/750/1000/1500/2500/5000
  • ICU: 2 X Normal Hospitalization Amount

15. Saral Suraksha Bima Policy

Saral Suraksha Bima Policy is a personal accident policy that has been designed to cover Death, Permanent Total Disablement, Permanent Partial Disablement, and Temporary Total Disablement, as well as Hospitalization Expenses and Education Grant. The concept is to supply customers with pre-written plans that are simple and convenient.

Key Features:

  • Base Coverage: The plan provides basic coverage of death, permanent total disability, and permanent partial disability.
  • Optional Coverage: The plan also provides optional coverage of temporary total disablement, education grant, and hospitalization expenses due to accidents.
  • Installment Options: The premium amount can be paid in installments, yearly, half-yearly, quarterly, and monthly.
Sum InsuredRs. 2.5 Lakhs To Rs. 1 Crore
Cumulative Bonus5% Of The Sum Insured For Each Claim-Free Year, Maximum 50%
Permanent Total Disablement100% Of Base SI
Temporary Total Disablement0.2% Of Base SI Per Week
Education Grant10% Of SI
Hospitalization Expenses Due To An Accident10% Of Base SI

Why Should IFFCO Tokio Health Insurance Be Your No.1 Choice?

  1. 6400+ Network Hospitals: IFFCO Tokio offers a network of over 6400 hospitals where covered members can receive cashless services. While IFFCO Tokio benefits the insured by charging network hospitals a lower fee, the hospitals benefit by obtaining more patients through the health insurer’s network. As a result, there’s no need to stress about making last-minute financial arrangements.
  2. Higher Claim Settlement Ratio: The claim settlement ratio is calculated by dividing the total number of claims received by the number of claims submitted. A health claim settlement ratio of more than 80% is considered good. IFFCO Tokio’s claim settlement ratio is 99.71 percent, which itself determines the company’s ability to meet its claim requests. 
  3. Healthy Solvency Ratio: A solvency ratio is a key metric for assessing a company’s ability to meet debt and other obligations. According to the IRDAI, all insurers must maintain a healthy solvency ratio of 1.5. As of March 2020, IFFCO Tokio has a solvency ratio of 1.58. As a result, we may conclude that Edelweiss has a positive net worth and a debt load that is manageable.
  4. 24*7 Customer Support: You can reach the company through two methods:
    • Toll-Free Number: 1800-103-5499/(0124)428 5499
    • Email: websupport@iffcotokio.
  5. COVID-19 Coverage: Many people have been affected by the COVID-19 pandemic around the world. IFFCO Tokio Provides COVID-19 insurance that covers the costs of treatment required as a result of a positive COVID-19 diagnosis.
  6. Lifetime Renewability: IFFCO Tokio’s plans can be renewed for an indefinite period of time. The insured can be assured that the policy can be renewed indefinitely, regardless of age or other limits, thanks to the lifelong renewability provision. In the event of a medical emergency, the benefit of lifelong renewability lessens financial hardship for senior citizens.

How Does IFFCO Tokio Calculate Its Health Insurance Premiums?

IFFCO Tokio follows an online process to calculate the premium of its health insurance plans, which is listed below.

  1. Visit the official website.
  2. Click on “More Products” under the “Buy” tab.
  3. Click on the type of health insurance plan you wish to purchase.
  4. Enter your name as well as contact number, and then press the “View Prices” tab.
  5. Enter all the necessary details on the page, and then click on “Calculate Premium”.
  6. The premium amount for the respective plan will be displayed on the screen.

Here are sample premium prices for your reference.

AgeSum InsuredPremium Amount
31Rs. 3 LakhsRs. 4985
28Rs. 1 LakhRs. 2816
27Rs. 1.5 LakhsRs. 3376
26Rs. 2 LakhsRs. 3844

How To Purchase IFFCO Tokio Health Plans?

  1. Visit the official website of IFFCO Tokio’s General Insurance.
  2. Click on ‘More Product’ under the ‘Buy’ tab.
  3. Now, click on the type of health insurance you want to purchase.
  4. Enter your name and mobile number, and then click on ‘View Prices’.
  5. Enter all the necessary details and click on “Calculate Premium”.
  6. Now, press ‘Continue’ to buy the plan by paying the premium amount.

How To Renew IFFCO Tokio Health Plans?

  1. Visit the official website of IFFCO Tokio.
  2. Click on ‘Renew’ and select the ‘Health’ tab.
  3. Enter your name as well as your policy number.
  4. Then, click on ‘Proceed’. 
  5. The premium details will be displayed to you on the screen. 
  6. Make the online payment, and your policy will be renewed.

How Can I Claim For IFFCO Tokio Health Plans?


  • Informing Company: Inform the company as soon as possible. In case of planned hospitalization, inform the company at least 3 days before the admission.
  • Show Health Card: Show IFFCO Tokio’s health card at the hospital desk, along with the claim form and other documents.
  • Sending Documents: Now, the hospital will then send all the documents to the insurance company.
  • Settling Claims: Once approved, IFFCO Tokio will directly settle the claim with the hospital.


  • Informing Company: Inform the company within 7 days of discharge.
  • File For Reimbursement: Download the claim form from the company’s website and file for reimbursement.
  • Sending Documents: Send all the necessary documents to the company’s office. 
  • Settling Claim: Once verification is done and your claim request is approved, the company will then reimburse the amount to the registered bank account of the policyholder. 

Required documents for claim settlement

  • Medical bills and receipts
  • Account and payment details
  • Age and address proof
  • Duly filled and signed claim form

Frequently Asked Questions

What critical illnesses and surgeries are covered under the IFFCO Tokio Critical Illness policy?

The plan covers the below-mentioned illnesses: 

  • Benign Brain Tumor
  • Motor Neuron Disease with Permanent Symptoms
  • End-Stage Lung Failure
  • End-Stage Liver Failure
  • Cancer of specified severity
  • Kidney failure requiring regular dialysis
  • Multiple Sclerosis with persisting symptoms
  • Primary (Idiopathic) Pulmonary Hypertension
  • Parkinson’s Disease Before the Age Of 50 Years
  • Alzheimer’s Disease Before the Age Of 50 Years

The plan also covers the below-mentioned surgical procedures:

  • Open heart replacement or repair of heart valves
  • Open chest CABG
  • Major Organ (Heart/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant
  • Surgery Of Aorta

The following medical events are also covered under the plan:

  • Loss of Speech
  • Blindness
  • Loss of Limbs
  • Deafness
  • Stroke resulting in permanent symptoms
  • Permanent Paralysis of Limbs
  • Myocardial Infarction (First Heart Attack of specified severity)
  • Third Degree Burns
  • Muscular Dystrophy
  • Coma of Specified Severity
  • Major Head Trauma

2. What is the expense limit per claim for the cataract treatment under IFFCO Tokio’s Swasthya Raksha Bima?

5% of the Sum Insured subject to a maximum of ₹15,000/-.

3. How can I contact IFFCO Tokio company?

You can contact the company by three methods:

  • Toll-free number: 1800-103-5499
  • Mail:
  • By visiting the nearby branch

4. What happens if you don't renew your health insurance in a timely manner?

When a policyholder’s health insurance policy expires, however, he or she will no longer be eligible for such benefits. Medical expenses must be paid out of pocket by the individual. As a result, it is critical that you remember your medical insurance policy’s expiration date and renew your health insurance plan on time to avoid interruptions in coverage.

5. Is it possible for me to get multiple health insurance policies?

Yes, you are allowed to have multiple medical insurance policies. You can choose which policy to employ to reimburse your fees in the event of a claim. The advantage of having two health insurance policies is that if one policy’s Sum Insured is exhausted, the leftover medical bills, if any, can be recovered through the second policy.

6. What is the deadline for IFFCO Tokio Health Insurance within which the hospitalization must be reported?

In the case of emergency hospitalization, you must notify IFFCO Tokio General Insurance within 24 hours after admission, and 48 hours before admission in the case of a planned hospitalization.

7. Is it necessary to pay a different premium for each family member's coverage?

No, you only have to pay a single premium for your entire family’s insurance coverage. This includes the spouse, dependent parents, siblings, and family members who live together, such as sisters-in-law and brothers-in-law.

8. Is it possible to amend the sum assured during the term of my IFFCO Tokio family health insurance policy?

IFFCO Tokio does not allow any changes to the sum insured amount during the policy duration or policy period. If you wish to increase or decrease the amount protected under your family health insurance policy, policy renewal is the best time to do it.