IFFCO Tokio Health Insurance

IFFCO Tokio is a reputed brand name which gives you the following benefits when you choose its health insurance plans

• It promises ease in claim settlement with cashless claims served through a network of more than 5000 hospitals in India
• The company has a wide presence with more than 20,000 agents working for it at various branches across the country
• IFFCO Tokio promises complete transparency in buying the policy, servicing it as well as at the time of claims
• The company has won various awards including the P & C Insurer of the Year Award presented by the Insurance Asia News among others
• The company has a high claim settlement ratio of 92.65% proving that your claims would be settled by the company effectively

Features of IFFCO Tokio Health Insurance plans

• Different plans can be availed for covering self, family or dependent parents
• The plans offer indemnity based coverage where the actual medical costs are paid as well as fixed benefit coverage wherein a lump sum claim is paid
• The coverage benefits under the plans are comprehensive and beneficial
• All the plans promise lifelong renewability ensuring coverage even in very old ages
• The premiums are low and also allow you tax benefits under the provisions of Section 80D of the Income Tax Act

Coverage under IFFCO Tokio Health Insurance plans

• Inpatient hospitalisation : If you or any insured member is hospitalised for 24 hours or more, the costs incurred on such hospitalisation are covered under this head. Common costs which are covered under health insurance plans include room rent, ICU charges, nurse’s fee, doctor’s fee, surgeon’s fee, oxygen, blood, medicines, anaesthesia, etc. required in treatments, etc
• Pre-hospitalisation : If you incur expenses before being actually hospitalised, such expenses are called pre-hospitalisation expenses. These expenses are also covered under health insurance policies up to a specified limit
• Post-hospitalisation : After being discharged from the hospital you incur various charges for tracking your health and recovery. These expenses are called post-hospitalisation expenses and they are covered
• Daycare treatments : Treatments which do not require 24-hour hospitalisation due to advanced medical treatments are called daycare treatments. These treatments are covered under all health insurance plans
• Ambulance charges : The costs incurred on an ambulance for taking you to the hospital for treatments are covered up to specified limits
• AYUSH treatments : Many health insurance plans also cover non-allopathic treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH). Such AYUSH Treatments, however, are covered up to specified limits
• Domiciliary treatments:Treatments which are taken at your own home due to non-availability of any hospital bed or if your physical condition is not feasible to be shifted to the hospital are called domiciliary treatments and such treatments are covered
• Organ donor treatments : IFFCO Tokio Health Insurance plans cover the cost of treatments done on the donor as well as on you in case of organ transplant surgeries
• Free health check-ups : You also get the benefit of availing free health check-ups after specified intervals under your policy. These check-ups are allowed up to a specified limit of your sum insured and are allowed only if no claims have been made under the policy