The IFFCO Tokio Individual Health Protector policy is like a shield for you and your family, providing a comprehensive plan to take care of your health. This policy has a lot of features and benefits to make sure it meets everyone's healthcare needs. You can choose a coverage amount from Rs. 50,000 to Rs. 20 Lakh for each person. Anyone between 18 to 65 years old can get this medical insurance, and even kids who are 91 days and older are covered.
Another great thing about this medical insurance policy is that you can renew this policy for your whole life. You can use the benefits of this health insurance policy at over 4,000 hospitals across the country. Plus, you get a tax benefit under section 80D of the IT Act 1961. The plan also gives discounts like existing customer discounts, family discounts, and group mediclaim discounts. But remember, these discounts together can't go over 25%.
Highlights of the Iffco Tokio Individual Health Protector Health Insurance plan are listed below in the table:
Coverage
Individual and Family Floater
Riders
Critical Illness Cover
Key features
Free Look-up Period, Lifetime Renewal, etc.
Inclusion
Room Rent, Daycare Procedure, etc.
Exclusion
Cosmetic Procedures, Injury due to War, and more.
Renewability
Riders Available With IFFCO Tokio Individual Health Protector Health Insurance
Life can take unexpected turns, and facing a critical illness without the right protection can be financially challenging. To ensure you're well-prepared, you can choose IFFCO Tokio's Critical Illness Cover by paying an extra amount. This add-on covers the following severe medical conditions:
- Cancer of specified severity
- Permanent Paralysis of Limbs
- Open Heart Replacement or Repair of Heart Valves
- Kidney Failure requiring regular dialysis
- First Heart Attack - of specified severity
- Motor neuron disease with permanent symptoms
- Open Chest CABG
- Coma of specified severity
- Major Organ/Bone Marrow Transplant
- Stroke resulting in permanent symptoms
- Multiple sclerosis with persisting symptoms
Key Features of IFFCO Tokio Individual Health Protector Health Insurance Plan
The following are the key features of the IFFCO Tokio Individual Health Protector Health Insurance Plan:
- Free Look-Up Period: The policy includes a free look-up period, allowing policyholders to thoroughly review the terms and conditions of the insurance policy. Within a specified period, typically 15 days from receiving the policy documents, you have the option to cancel the policy if it doesn't meet your expectations.
- Lifetime Renewal Option: For continuous health coverage, the policy offers a lifetime renewal option. Regardless of age or health conditions, policyholders can renew the policy throughout their lives. This feature ensures sustained coverage and peace of mind.
- Wide Range of Sum Insured: You can choose the amount of coverage that suits you best, sum-insured starting from Rs. 50,000 up to Rs. 20 lakhs. This flexibility ensures that the insurance meets your specific needs and financial situation.
- Critical Illness Add-On: For extra protection, you can opt for coverage against critical illnesses by paying an additional premium of 30% on top of your basic premium. This ensures you're financially prepared to face severe health challenges.
- Portability Option: If you're currently covered by a similar policy with another insurer, you have the freedom to switch to this policy seamlessly. This portability feature lets you move without losing your accumulated benefits, providing convenience and continuity in coverage.
- Income Tax Benefit under Section 80D: By having this health insurance, you can avail of income tax benefits under Section 80D. This means you can save on your taxes while ensuring you have essential health coverage for you and your family.
- Cashless Claim Facility at 4000+ Hospitals: Enjoy the convenience of cashless transactions at over 4000 network hospitals. This means you don't have to worry about paying upfront for covered medical expenses; the insurance provider settles the bills directly with the hospital.
Eligibility Criteria of IFFCO Tokio Individual Health Protector Health Insurance Plan
The eligibility criteria for the IFFCO Tokio Individual Health Protector Health Insurance plan are as follows:
Parameters
Eligibility Criteria
Minimum entry age
Maximum entry age
Number of people covered
Unlimited members of the family
Sum insured
Rs. 50,000 - 20 lakhs
Benefits of IFFCO Tokio Individual Health Protector Health Insurance Plan
This health insurance plan offers the following benefits:
- Comprehensive Coverage Beyond Hospitalisation: IFFCO Tokio understands that medical expenses go beyond just hospital bills and therefore, their policy covers various aspects, ensuring all your medical needs are met, not just during hospitalisation.
- Post-Hospitalisation Support: The policy covers nursing and medical expenses for up to 60 days after discharge, helping you focus on healing without additional financial stress.
- Daily Allowance for Hospitalisation: This health insurance policy eases the burden of hospitalisation with an additional daily allowance of 0.20% of the sum insured value per day, providing extra support during your time in the hospital.
- Pre and Post-hospitalisation Expenses: Pre-hospitalisation expenses, incurred within 45 days before hospitalisation, are covered. This ensures that diagnostic and investigative procedures leading to hospitalisation are financially supported.
- Ambulance Charges Reimbursement: For serious conditions requiring ambulance services, the insurer reimburses charges up to a maximum of 1% of the sum insured or Rs. 2,500 for each episode of hospitalisation.
- Daycare Surgeries Coverage: The policy covers 120+ identified daycare procedures, eliminating the need for admission and discharge hassles.
- Cumulative Bonus for No-Claim Years: For each claim-free year, 5% of the basic sum insured is added to your coverage, up to a maximum of 50% of the expiring policy's basic sum insured.
Inclusions of IFFCO Tokio Individual Health Protector Health Insurance Plan
Inclusions of the IFFCO Tokio Individual Health Protector Health Insurance are mentioned below:
- Comprehensive Medical Coverage: This policy takes care of your medical expenses before and after hospitalisation, covering everything from tests to follow-up treatments.
- Emergency Ambulance Assistance: You're covered for ambulance charges, ensuring that safe transportation is included in your health protection.
- Support for Critical Illness and Emergencies: This policy offers assistance for critical illnesses and emergencies, providing you with the support needed during challenging times.
- Inclusive Room Rent Expenses: Your room rent, along with hospital registration and service charges, is covered, easing the financial burden of your hospital stay.
- Convenient Daycare Coverage: With coverage for over 160 daycare procedures, this policy ensures that even short medical procedures are taken care of without hassle.
- Vaccination and Health Check-ups: Your vaccination and health check-up expenses are covered, encouraging proactive measures to maintain your well-being.
- AYUSH Treatment Support: This policy extends its coverage to AYUSH treatments, offering more comprehensive health protection.
Exclusions of IFFCO Tokio Individual Health Protector Health Insurance Plan
The exclusions in this IFFCO Tokio Insurance plan are as follows:
- Cosmetic Procedures: Enhancing your appearance through medical procedures is not covered by this policy. However, if you need plastic surgery due to an accident or injury, it can be considered for coverage.
- Pre-existing Health Conditions: Conditions you had before getting this insurance will be covered, but only after a waiting period.
- Pregnancy-related Situations: The policy does not cover childbirth and lawful terminations.
- Injuries from Self-harm or Suicide Attempt: Any injuries or medical expenses resulting from self-harm or attempted suicide are not included in the medical insurance coverage.
- Injuries in War: Injuries caused by war are not covered by this policy.
- Congenital Diseases: Conditions present since birth are not included in this medical insurance plan.
Documents Required to IFFCO Tokio Individual Health Protector Health Insurance Plan
You will need the following documents to buy the IFFCO Tokio Individual Health Protector Health Insurance plan:
- A properly completed application form.
- Present identification proof using documents such as an Aadhar card, Passport, Voter ID, or Driver's license.
- Verify your age with documents like a Birth Certificate, School Leaving Certificate, or Passport.
- Validate your address using Utility Bills, Rental Agreement, or Aadhar Card.
- Submit passport-sized photos.
- In certain instances, health check-up reports may be necessary.
- Provide any additional documents requested by the health insurance company.
To buy the IFFCO Tokio Individual Health Protector Health Insurance Plan, you need to follow the steps below:
Step 1: Go to the InsuranceDekho website.
Step 2: Click on " Health Insurance ” under the “ Insurance ” tab at the top.
Step 3: Next, click on " Iffco Tokio " from the list of health insurance companies.
Step 4: Select the " Individual Health Protector Health Insurance " plan.
Step 5: Read the policy document carefully.
Step 6: Upload the required documents for verification.
Step 7: Pay the medical insurance premium online.
Step 8: You will successfully receive the policy document via email.
Claim Process for IFFCO Tokio Individual Health Protector Health Insurance
Below are the ways to claim your IFFCO Tokio Individual Health Protector Health Insurance policy:
Cashless Claim
- Go to a hospital affiliated with Iffco Tokio.
- Present details of the Individual Health Protector Health Insurance plan and any other required information.
- Complete and submit the necessary documents for claim settlement.
- The insurance provider will make direct payments to the hospital.
Reimbursement Claim
- Select a hospital partnered with IFFCO Tokio.
- Settle your medical expenses at the chosen hospital.
- Initiate a reimbursement claim through the insurance company's website.
- Complete and submit the Individual Health Protector Health Insurance claim form along with relevant details.
- Your medical expenses will be reviewed and reimbursed by the insurance company.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
Select Age
Where do you live ?
Enter Area Pincode
Choose required Coverage for yourself?
Select Coverage
Calculate Premium
Disclaimer : Actual Premium might vary basis your location, age and number of members
Get FREE Personalized Insurance Advice At Your Home
Schedule A Home Visit
Key Inclusions and Exclusions of the Plan
What's Included
- Pre and post hospitalisation costs for 45 days and 60 days
- In-patient hospitalisation cover for room rent, ICU charges, etc.
- Vaccination expenses are covered up to 10% of the total premium paid
- Daycare surgeries or procedures are covered
- Cost of health check-up up to 1% of the basic SI
What's Not Included
- Treatment of pre-existing ailments within 3 years
- Cost of hospitalisation within the first 30 days of coverage
- Expenses related to maternity, newborn, miscarriage, etc.
- Injury or disease occurred due to self-infliction
- Expenses incurred on x-rays, lab examinations and so on
7178 IFFCO Tokio Cashless Network Hospitals in India
Search your city
Choose IFFCO Tokio Plan for
IFFCO Tokio Health Insurance for Individual
IFFCO Tokio Health Insurance for Family
IFFCO Tokio Health Insurance for Senior Citizen
IFFCO Tokio Health Insurance for Parents
IFFCO Tokio Health Insurance for Woman
IFFCO Tokio Health Insurance for Kids
Individual Health Protector Policy User Reviews
Rating based on
232 User reviews
Write your review
What users are saying
Got to know about health plan .
I was issuing IFFCO Tokio’s Individual Health Protector Policy for myself on InsuranceDekho. While checking the policy specifications, I got to know about the Critical Illness Cover that might work as an add-on to enhance the policy benefits. With just a little bit of extension on premium, I could get remarkable benefits. Read More
By Tahira Sharma
On: Feb 23, 2021
Multifarious plans
I love to visit InsuranceDekho for any insurance-related requirements. The website offers diverse health plans that are reasonably priced. I chose IFFCO Tokio’s Individual Health Protector Policy for myself after taking into account its coverages and benefits. Read More
By Rimpa Haldar
On: Jan 21, 2021
Accessible through Whatsapp
Whatsapp communication is convenient when you are on the go. I loved the service provided by InsuranceDekho through Whatsapp. I needed some assistance in choosing a health top-up plan for my IFFCO Tokio Individual Health Protector Policy. I pinged them on Whatsapp and got an immediate response. Read More
By Rukmini Singh
On: Jan 13, 2021
Convenient claim settlement
I am a policyholder of IFFCO Tokio’s Individual Health Protector Policy. It offers a wide range of coverage. A few days ago, my spouse had to go through a minor operation. I chose a network hospital to avail the cashless mediclaim. I made a claim on InsuranceDekho. It got settled instantly. Read More
By Sukanya Trivedi
On: Dec 29, 2020
Expert guidance available
I must admit that without guidance from InsuranceDekho, I could not find the Individual Health Protector Policy from IFFCO Tokio for myself. I wanted to get a simple health plan with wide coverage. I landed on the website and called the helpline number. The official highlighted my purpose and guided me accordingly. Read More
By Manish Jain
On: Dec 22, 2020
Add-ons to Enhance Benefits
Critical Illness Cover
The Individual Health Protector policy offers additional coverage for critical illnesses to its customers. Under this plan, the policyholders can avail the coverage for critical illnesses by paying an additional premium of 30% of the basic premium. On paying this little extra amount, the insured individuals will be provided with an additional sum insured up to another Rs. 20 Lakh.
IFFCO Tokio Individual Health Protector Policy Expert Review
Expert Review
Iffco Tokio’s Individual Health Protector Policy is a complete package. The policy offers extensive health insurance coverage while demanding an affordable amount for premium in return. Dependable by all means, Individual Health Protector Policy is a worthy investment that you can opt for to ensure financial stability during a medical emergency, without spending your hard-earned savings for even a day. All in all, Individual Health Protector Policy comes across as the real protector of one’s financial, mental, and physical health. The eligibility age range for Individual Health Protector Policy starts from 18 years and goes up to 65 years. Note that the policy provides coverage for dependent children (of age 91 days and above) if one of the parents is already covered. One of the best features of the policy is that it allows coverage for unlimited number of members of the family. Apart from the insured, their spouse, relatives living together, dependent parents/dependent children or any other dependent relatives staying in India can be covered under the plan. Besides the same, the sum insured range goes from Rs. 50,000 to Rs. 20 Lakh on individual basis.
Major Attractions
- Coverage for 121 surgical procedures
- 45 days pre hospitalisation & 60 days post hospitalisation expenses
- Daily allowance - 0.20% of sum insured
- Ambulance charges - 1% of sum insured or Rs. 2500, whichever is less
- Cost of health check-up - 1% of basic sum insured at end of block of 4 continuous, claim free policies
- Hospitalisation if the period is more than 12 hours but less than 24 hours - Up to 50% of entitled room rent per day
- Vaccination expenses - Up to 10% of total premium paid at end of block of 2 continuous, claim free policies
- Cumulative bonus - 5% of sum insured, maximum of 50% for claim free policy
What’s More?
- Lifelong renewal of the policy
- Direct claim settlement, no TPA involvement
- 15 days free look period
- Tax benefits under Section 80D of the Income Tax Act
- 5% family discount on covering 2 members; 10% discount on covering 3 or more members
- 10% discount on policy premium for existing customers
Conclusion
Overall, Individual Health Protector Policy is a great option if you want to get covered and secure the health of yourself, your spouse and dependent family members without paying a huge amount. The policy is dependable and doesn’t put you in any sort of hassle when the time is crucial. If willing to buy Individual Health Protector Policy, go for online mode so that it gets issued quickly. Also, prefer choosing InsuranceDekho for purchase if you want to avail benefits such as policy transparency & portability, claim settlement support, and other added features.
IFFCO Tokio Individual Health Protector Policy Brochure
- 3.58 MB
- PDF Document
- Jul 19, 2019
Claim Process at IFFCO Tokio Health Insurance
- Network Hospital
- Non-Network Hospital
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.
FAQs on Individual Health Protector Policy Health Insurance Plan
What is the entry age to get covered under the Individual Health Protector Policy?
People between the age group of 18 years and 65 years are eligible to buy this policy. However, the coverage allows dependent kids from the age of 91 days.
What is the amount of sum insured offered under this plan?
Wide range of sum insured options is available from Rs. 50,000 to Rs. 20 Lakh, when the policy is purchased on an individual basis.
Does Individual Health Protector Policy offer a cover for critical illness?
Yes, the plan provides an add-on cover for critical illness by paying an additional premium of 30% of the basic premium.
Can I get my parents covered under the Individual Health Protector Policy?
Yes, the plan allows dependent parents to be covered under the plan.
How many family members can get coverage under the plan?
There is an unlimited number of family members who can get covered under the plan such as spouse, dependent children, dependent parents, relatives living together or dependent relatives living away.
If my parents need medical assistance at home, can they get that with this plan?
Yes, the plan owns the feature of domiciliary hospitalisation with it and offer the coverage up to 20% of the sum insured.
Is there any health check-up option provided by this plan?
Yes, Individual Health Protector Policy offers the coverage for the cost of health check-up up to 1% of the basic sum insured at the end of a block of four continuous claim-free years.
How many hospitals provide the cashless facility for this policy?
The cashless facility is available at more than 4,000 network hospitals across the country.
Can I avail any tax benefit on the purchase of this health insurance plan?
If the payment is made by cheque, you will be eligible to gain the tax benefit as per the section 80D of the IT Act.
Where should I contact to get my claim settled for this health insurance policy?
The claim settlement process is directly serviced by the IFFCO Tokio team without any Third Party Administrator (TPA). Hence, you should directly connect with IFFCO Tokio team or you can even contact InsuranceDekho team.
View More Questions
Health Insurance Articles
- Latest Articles
- Popular Articles
Star Health vs Care Health Insurance: Selecting th.
Discover the distinctions between Care and Star health insur. By Saumya Srivastava 17 October 2023
Things You Should Know About World Thyroid Day 202.
Know all details related to World Thyroid Day 2024 By Rupanjali Mitra Basu 19 May 2023
Importance of Getting Health Insurance That Cover.
With COVID-19 pandemic spread far and wide, and the scenario. By Shrida Gulati 02 January 2022
Protect Yourself from Omicron
Omicron is delivering a loud and obvious message that this. By Shrida Gulati 01 January 2022
Benefits of Senior Citizens Red Carpet Policy offe.
A health insurance policy is a must for all senior citizens . By KANIKA WADHWA 04 December 2021
Star Health vs Care Health Insurance: Selecting th.
Discover the distinctions between Care and Star health insur. By Saumya Srivastava 13 September 2024
Things You Should Know About World Thyroid Day 202.
Know all details related to World Thyroid Day 2024 By Rupanjali Mitra Basu 13 September 2024
Importance of Getting Health Insurance That Cover.
With COVID-19 pandemic spread far and wide, and the scenario. By Shrida Gulati 13 September 2024
Protect Yourself from Omicron
Omicron is delivering a loud and obvious message that this. By Shrida Gulati 13 September 2024
Benefits of Senior Citizens Red Carpet Policy offe.
A health insurance policy is a must for all senior citizens . By KANIKA WADHWA 13 September 2024
Find the right health insurance for you
Female
View Plans
Partner Health Insurance Companies
- Magma HDI Health Insurance
- New India Assurance Health Insurance
- Liberty Health Insurance
- Kotak Mahindra Health Insurance
- Cholamandalam Health Insurance
- Future Generali Health Insurance
- Digit Health Insurance
- Bharti AXA (now ICICI Lombard) Health Insurance
- Navi Health Insurance
- Raheja QBE Health Insurance
- Universal Sompo Health Insurance
- Zuno Health Insurance
- Acko Health Insurance
Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.
IFFCO Tokio Health Insurance Plans
- Family Health Protector
- Individual Medishield Policy
- Swasthya Kavach Policy
- Critical Illness Insurance
- Corona Kavach Policy
- Corona Rakshak Policy
- Arogya Sanjeevani Policy
- MOS-Bite Protector Policy
- Individual Plan
