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iffco tokio health insurance

Individual Health Insurance Plans

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IFFCO Tokio Family Health Protector

The inexpensive IFFCO Tokio Family Health Protector Policy is designed to protect a family from a variety of medical hazards. You and your family can receive medical coverage through this policy for any injury- or disease-related costs associated with hospitalization, surgery, organ transplants, etc. 

It is a reliable plan for the whole family, which includes the spouse, any dependent children or parents, any in-laws who live with you, any dependent relatives, etc. It is worthwhile to check this policy cover if you are thinking about purchasing a medical insurance policy for your entire family. This post will discuss the plan in detail so that you can have a fair idea about the features, benefits, and costs of the plan.

Eligibility Criteria

Minimum Entry Age18 Years
Maximum Entry Age65 Years
Sum Insured OptionsRs. 1,50,000 To Rs. 30 Lakhs

Key Attributes Of IFFCO Tokio Family Health Protector

Let’s look at the plan’s coverage details!

Hospitalization ExpensesCovered
Pre-Hospitalization Expenses45 Days
Post-Hospitalization Expenses60 Days
Daily Allowance0.15% Of Sum Insured, Up To Maximum Of Rs. 1000
Ambulance Expenses0.75% Of Sum Insured OR Rs. 2500, Whichever Is Less
Health Check-UpUp to 1% of Basic Sum Insured at the end of a block of four continuous claim-free years
Vaccination Expenses
  • In case of a single insured person: Maximum of 7.5% of the total premiums paid at the end of a block of two continuous claim-free years
  • For all insured persons: Maximum of 15% of the total premiums paid at the end of a block of two continuous claim-free years
Daycare Surgeries160+
Free Look Period15 Days

Upsides Of IFFCO Tokio Family Health Protector

The policyholder receives a wide range of advantages from the plan. Below is a discussion of a few of them:

  • Double Sum Insured For Named Critical Illness

In case the policyholder is diagnosed with any of the listed critical illnesses, he/she will get the benefit of the double sum insured. This ensures a higher level of protection in your medical emergencies. 

  • Affordable Plan

IFFCO Tokio Family Health Protector plan has more affordable premiums, especially when compared to the levels of coverage it offers. The plan makes more comprehensive protection available to families at more affordable prices.

  • Portability Benefit

As per IRDAI guidelines, the policyholder can easily switch from any other similar policy to the IFFCO Tokio Family Health Protector plan. The plan allows the policyholder to protect his/her continuity benefit.

  • Income Tax Benefits

You may deduct the premiums you pay for the IFFCO Tokio Family Health Protector plan from your taxes in accordance with Section 80D of the Income Tax Act. By receiving tax benefits from your premiums, you can have a solid family health insurance plan that offers you adequate coverage.

  • Cumulative Bonus

For every claim-free year, the policy provides 5% of the basic sum insured as a cumulative bonus. The is subject to a maximum of 50% of the basic sum insured.

  • Emergency Assistance Services

The plan also offers emergency assistance services at zero cost, including emergency medical evacuation, medical repatriation, return of mortal remains, emergency cash coordination, reinstatement of basic sum insured, emergency message transmission, and much more.

  • Discounts

The plan offers the following discounts to the policyholder:

  • For existing customers: 10%
  • For the employees covered under any Group Mediclaim Policy issued by IFFCO Tokio: Up To 20%
  • Guaranteed Lifelong Renewability

The policy includes a life-long renewability option, which goes beyond the 65-year age restriction, in contrast to some of the family medical insurance options on the market. Therefore, you no longer have to be concerned about your parents’ or other senior loved ones’ safety.

How Much Premium Do You Need To Pay For IFFCO Tokio Family Health Protector Plan?

Understanding your IFFCO Tokio Family Health plan’s premium amount is essential because it affects the coverage and benefits you will get during or after the policy term. Here, the premium amounts for the plan have been determined using a variety of factors!

Age & Gender Of Member 1Age & Gender Of Member 2Proposer’s NameSum InsuredPremium
29 Years – Female29 Years – MaleSurbhi MishraRs. 1.5 LakhsRs. 5353
36 Years – Female43 Years – MaleIrfan KhanRs. 2 LakhsRs. 9238
23 Years – Female22 Years – MaleAsha PandeyRs. 3 LakhsRs. 6234
51 Years – Female59 Years – MaleSunil SinghRs. 10 LakhsRs. 30,411

Exclusions Under IFFCO Tokio Family Health Protector Plan

The following is a list of some of the major exclusions for which coverage is not offered.

  • All out-of-pocket costs spent throughout the hospital stay
  • Wheelchairs, crutches, and other medical supplies utilized for the post-hospitalization treatment
  • Costs associated with LASIK or laser procedures
  • Costs for diagnostic procedures like x-rays and lab tests that are performed in the outpatient setting
  • Any type of surgery or dental care, unless necessary due to an accident
  • Any costs connected with pregnancy, delivery, loss, etc.
  • Any intentional harm to oneself
  • Recuperation, overall ill health, or a worn-out state
  • All costs associated with the treatment of AIDS, HIV, or other STDs
  • All kinds of cosmetic and aesthetic procedures

Frequently Asked Questions

The plan has the following waiting periods:

  • For pre-existing disease: 48 months
  • For specified ailments: 2 years

There is no requirement for a medical checkup up to the age of 60 years.

For a sum insured of Rs, 7 lakhs and above, the plan covers the room charges for up to actuals. However, for a sum insured below Rs. 7 lakhs, up to 1.50% of SI for class A cities and 1.25% of S.I. for other cities are covered.

No. The plan doesn’t have any co-payment.

Yes. The expenses related to COVID-19 treatment are covered by the plan.

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