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IFFCO Tokio Health Protector Plus Policy

IFFCO Tokio Health Protector Plus is a comprehensive health protection plan that includes coverage for hospitalization costs and aims to protect you and your family from high medical expenses for any injury- or disease-related contingencies, including hospitalization, organ transplantation, and other expenses. You choose a required deductible amount, which you pay for out of pocket or with help from other sources or your current health insurance. The policy serves as an additional layer of protection on top of the deductible. Therefore, the policy handles soaring medical inflation at a relatively affordable cost.

The fact that the policy also covers the cost of vitamins and tonics included in pharmaceuticals as part of therapy, as approved by the attending medical practitioner, is one of its key selling points. Both individual and floater policies are available.

Read on to know more about the IFFCO Tokio Health Protector Plus eligibility, features & benefits, inclusions, exclusions, and more.

Eligibility Criteria

Here are the eligibility criteria for IFFCO Tokio Health Protector Plus.

ParametersDetails
AgeMinimum- 18 Years, Maximum- 65 Years
Policy Term1 Year
Sum Insured Option8 plans to offer you the widest possible range
RenewabilityLifelong (if renewed without break)

Features & Benefits of IFFCO Tokio Health Protector Plus

Here are the salient features and benefits of the IFFCO Tokio Health Protector Plus insurance plan. Let’s discuss them in detail!

  1. Deductibles: Whether you want to base your deductibles on the total number of claims filed in a given year or the number of claims made per year is totally up to you.
  1. Multiple Sum Insured: To meet your healthcare and financial needs, there are several sum insured options accessible.
  1. Full Amount Covered: You can pay an additional premium amount to have your deductibles waived in the event of a job loss or change. If your employment is lost or changed for a period of 30, 60, or 90 days, you can get the whole amount covered without any deductibles.
  1. No Mediatator: The fact that the insurance is handled directly by the insurer without the involvement of a third-party administrator is another benefit of choosing IFFCO Tokio Health Protector plus.
  1. Emergency Assistance Services: These services are included in the policy at no extra charge. When you travel within India 150 kilometers or more from your home, the plan offers you particular help.
  1. Portability: By IRDA Guidelines, you can switch from any other insurer’s comparable policy to a Top up/Super Top Up policy and maintain your continuity benefit.
  1. Daily allowance benefit: For the period of a hospital stay, an insured person is covered under this policy. This daily limit will be proportionately lowered for the length of hospitalization if the hospitalization term is less than 24 (twenty-four) hours.
  1. Tax Benefits: Receiving tax benefits under Section 80 D is one of the major advantages of selecting the IFFCO Tokio health protection plan.

What Does IFFCO Tokio Health Protector Plus Plan Cover?

Listed below are the things that IFFCO Tokio Health Protector Plus covers.

  • Rent for hospital rooms (including Boarding and Nursing expense, etc.).
  • Consultant, medical professional, and anesthetist fees.
  • A variety of hospitalization-related costs, such as that anesthesia, blood, operating rooms, oxygen, surgical tools, medications, diagnostic tools and X-rays, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs, and organ transplants, among others.
  • Costs incurred before and the following hospitalization.
  • The cost of the vitamins and tonics included in the drugs is considered part of the treatment, as confirmed by the attending physician.
  • Expenses related to alternative treatment, such as Ayurveda, Homeopathy, or Unani hospitalization costs incurred at facilities licensed by the government.
  • Ambulance expenses: The policyholder will get Rs. 3,000 per claim, or as incurred, whichever is less.
  • A daily cash allowance of 0.10 percent of the insured amount for unforeseen costs incurred while the patient is in the hospital.

What Is Not Included Under IFFCO Tokio Health Insurance Plus?

Let’s take a look at the things not covered under the IFFCO Tokio Health Protector Plus plan.

  • Any payment, unless the Deductible is exceeded by the Allowable Medical Expenses.
  • Any pre-existing ailment or any complications resulting from the condition for up to 48 (forty-eight) months after the initial Policy’s inception with us, without interruption.
  • Any hospitalization costs incurred during the first 30 (Thirty) days after the policy’s start.
  • Any medical costs incurred for particular disorders such as cataract, benign prostatic hypertrophy, hysterectomy (for reasons other than cancer), etc. during the first 2(two) consecutive years of the coverage.
  • Injuries or illnesses that are caused directly or indirectly by war, invasion, an act of a foreign enemy, a warlike operation, or the performance of tasks while serving in the military or police.
  •  Circumcision, unless it is required to treat a sickness or unintentional damage to the body.
  • Plastic surgery, excepting procedures related to the treatment of illness or injury.
  • Costs associated with using glasses, contacts, or hearing aids.
  • Any type of surgery or dental treatment, except necessary owing to an accident requiring hospitalization.
  • Treatment for mental illness and other psychiatric problems, sterility, venereal disease, self-inflicted injuries, treatment resulting from intoxicating substances such as alcohol or drugs, and treatment for any criminal act.
  • Costs associated with diagnostic, X-ray, or laboratory tests that are not directly related to the disease or injury that is being actively treated under the hospitalization claim.
  • Maternity costs and associated issues.
  • Damage or illnesses caused by nuclear weapons or materials, either directly or indirectly.
  • Any medical costs for outpatient (OPD) treatment.
  • Costs associated with natural medicine, unproven or experimental treatments, and similar therapies.
  • Any costs associated with illnesses or injuries sustained while participating in adventure sports.
  • The cost of any care received from a physician or hospital not on the list, or from any hospital.

Premium Illustration- How Does IFFCO Tokio Health Protector Plus?

Let’s understand IFFCO Tokio Health Protector Plus’ premium illustration in detail!
Illustration 1 – For Topup policy Coverage opted on an individual basis covering each member of the family separately (at a single point in time)
Age of the Members Insured Premium (Rs.) Sum Insured (Rs.) Deductible (Rs.)
36 to 45 3, 099 5,00,000 2,00,000
46 to 55 3, 099 5,00,000 2,00,000
Total Premium for all members of the family is Rs. 6,498, when each member is covered separately. The sum Insured available for each individual is Rs. 5,00,000.
Coverage opted on an individual basis covering multiple members of the family under a single policy (Sum Insured is available for each member of the family)
Age of the Members Insured

Premium

(Rs.)

Discount

for 2

members

Sum

Insured

(Rs.)

Deductible

(Rs.)

36 to 453, 0995%5,00,0002,00,000
46 to 553, 0995%5,00,0002,00,000
Total Premium for all members of the family is Rs. 6,137, when they are covered under a single policy. The sum Insured available for each individual is Rs. 5,00,000.
Coverage opted on family floater basis with overall Sum Insured (Only one Sum Insured is available for the entire family)

Consolidated

Premium for

all members

of the family (Rs.)

Floater

discount,

if any

Premium

after

discount

(Rs.)

Sum

Insured

(Rs.)

Deductible

(Rs.)

5099NA50995,00,0002,00,000
NA
Total Premium for all members of the family is Rs. 6,137, when they are covered under a single policy. The sum Insured available for each individual is Rs. 5,00,000.

Frequently Asked Questions

Surgery and dental care are not covered unless they are necessary as a result of incidents that need hospitalization. Insurance companies do not pay for dental implants.

Yes, there will be a 30-day initial waiting time from the start of the coverage, a four-year maximum waiting period for pre-existing conditions, and specific waiting period provisions for certain disorders including cataract, hysterectomy (other than for cancer), hernia, hydrocele, etc.

Even if the hospitalization is just for a shorter period than 24 hours, daycare medical services will still be reimbursed.

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