IFFCO Tokio Individual Medishield Policy

Apart from the above benefits, this policy has come up with a bunch of special advantages that have made the policy unique and popular among consumers. The mentions are as follows.

Critical illness cover:

This is an optional cover. If the Insured Person is diagnosed during the Period of Insurance as suffering from a Critical Illness as defined under the Policy, the company will reimburse Medically Necessary and Reasonable and Customary Charges incurred on expenses up to an additional Sum Insured limit stipulated for the Insured Person in the Policy Schedule (equal to his/her Basic Cover Sum Insured).

Emergency Assistance Services:

This Policy provides You, at no additional cost, a host of value-added Emergency Medical Assistance and Emergency Personal Services as followings:

• Medical consultation, evaluation, and referral – You have access to an Operations Center with multilingual medical staff on duty 24 hours a day, 365 days a year.

• Emergency Medical Evacuation: If You have a medical emergency and an adequate medical facility is not available, Emergency Assistance Service Provider will arrange an emergency evacuation, with medical supervision, by an appropriate means to the nearest medical facility capable of providing the required care.

• Medical repatriation – If you are medically cleared for travel via commercial carrier, provided the repatriation can be accomplished without compromising Your medical condition.

• Transportation to join the patient – Emergency Assistance Service Provider will also provide assistance with arrangements for the family member or the friend’s transportation and accommodation.

• Care and/or Transportation of Minor Children – When your minor child(ren) is left unattended as a result of Your medical situation, the policy will provide the child with transportation to home. If appropriate, an attendant will escort the child.

• Emergency Message Transmission – Emergency Assistance Service Provider will receive and transmit emergency messages to/from home.

• Return of Mortal Remains – In the event of the death of an Insured Person, it will arrange and pay for the return of mortal remains.

• Emergency Cash Coordination – Emergency Assistance Service Provider will assist in coordinating the transfer of emergency cash. The Source of funds is solely Your responsibility.

Modern Treatment Methods and Advancements in Technologies:

The pre-specified procedures will be covered either as an inpatient or as part of Domiciliary Hospitalization or as part of day care treatment in a hospital up to 50% of the Sum Insured during the policy period:

Reinstatement Benefit:

If the Insured person gets hospitalized and the claim is payable, the sum insured gets reduced by the payable amount. In that case, if the insured wants to reinstate the sum insured, he may opt for the same at the time of claim. The basic sum insured under the policy will be reinstated.

Pre-policy medical check-up:

No need for a medical check-up to the age of 60 years.

Various Discounts:

This policy offers various discounts to provide you with affordability. The followings are the mentions.

• Family discount – For 2 family members, a 5% discount on the total premium (Main cover plus higher sum insured for critical illness) is provided. For 3 or more family members, a 10% discount on the total premium is available.

• Existing customers – A 10% discount in policy premiums for all customers having any other insurance policy from the same company is provided.

• Group Mediclaim Discount – 10% discount for employees covered under any Group Mediclaim policy issued by IFFCO Tokio for a sum insured Rs. 4 lakhs and above is available.

Remember, all the above discounts are on a cumulative basis and cannot exceed a total of 25%.