Iffco Tokio Health Protector Insurance Plan
Product Overview
Iffco Tokio - Family Health Protector Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of IFFCO Tokio Health Protector Insurance Plan
- Reinstatement of the Basic Sum Insured
- Cumulative Bonus of 5% on every claim free renewal, subject to max of 50% (Available on Wider Plan)
- Any expenses related to Pre-Hospitalisation are covered upto 45 days and Post-Hospitalisation are covered upto 60 days.
- Non-Allopathic Treatment like - Ayurvedic/ Homeopathic treatments are covered under this policy
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OneInsure App Benefits
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Critical features of IFFCO Tokio Health Protector Insurance Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- Room Rent-Class A-1.5% of the Sum Insured Other than class A-1.25% of the Sum Insured( 7 Lacs and Above no sum limit on room rent by paying additional payment)
- ICU-Class A-2.5% of the Sum Insured Other than class A-2% of the Sum Insured
- *This plan provides coverage for registration, service charges, surcharges, etc. up to 0.5% of sum insured.
- Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This plan has Copayment(2nd Claim-7.5 %)(3rd Claim 10 %)(4th Claim 20 %) - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
5% of basic sum insured up to a maximum of 50 % for each unclaimed year in case opted for(The cumulative bonus will reduced by 10% of the Sum insured once a claim is made) - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This Plan has a waiting period of 4 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- 18 years
- Maximum age of Entry:- 65 years
- Policy Tenure:- 1 year
- Sum Insured:- 1.5 lakhs to 5 lakhs
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Add-ons
| Add-On | Description | |||||||
|---|---|---|---|---|---|---|---|---|
| Critical illnesses (Optional Rider with 30% Additional Premium)) | Higher Sum Insured for Critical Illness Higher sum insured for critical illness to cover expenses (as listed in Basic Cover) related to following Critical Illnesses: 1. Cancer of Specified Severity 2. First Heart Attack - Of Specified Severity 3. Open Chest CABG 4. Open Heart Replacement or Repair of Heart Valves 5. Coma of Specified Severity 6. Kidney Failure Requiring Regular Dialysis 7. Stroke Resulting In Permanent Symptoms 8. Major Organ /Bone Marrow Transplant 9. Permanent Paralysis Of Limbs 10. Motor Neurone Disease with Permanent Symptoms 11. Multiple Sclerosis with Persisting Symptoms As per this extension, the Basic Cover Sum Insured will be doubled for the aforesaid Critical Illness claims, for which an additional 30% (thirty percent) of the Basic Cover premium is chargeable. |
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| Waiver of Room Rent/ ICU | On paying additional payment of 6% on the basic premium, waiver is given for Room Rent & ICU Capping. | |||||||
| Emergency Assistance Services. | Value added Emergency Medical Assistance and Emergency Personal Services as described below: (No Additional Cost) - Medical Consultation, Evaluation and Referral - Emergency Medical Evacuation - Transportation to Joint Patient - Care and/ or Transportation of Minor Children - Emergency Message Transmission - Return of Mortal Remains - Emergency Cash Coordinate |
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Additional discounts
- Family Discount - 5% Discount on covering 2 members & 10% discount for covering 3 or more members
- Existing Customer - 10% discount in policy premium for customers holding any insurance policy of Iffco Tokio
Exclusions
- Cost of spectacles, contact lens or hearing aids.
- Dental treatment, unless requiring hospitalisation.
- Convalescence, general debility, congenital diseases/defects, sterility.
- All claims arising from or related to pregnancy, other than ectopic pregnancy.
- Any domiciliary or out-patient treatment.
- Cost of external medical equipments.
- Claims arising out of participation in dangerous sports/activities.
- Claims arising from or related to HIV/AIDS.
- War, terrorism and nuclear risks.
- All non medical expenses, including personal comfort and convenience item services.
- Treatment of obesity, hormone replacement therapy, sex change.
- Genetic disorders, stem cell implantation and surgery.
- Treatment of mental illness,cosmetic surgery/implants or plastic surgery
- Expenses on naturopathy, experimental or alternative medicine, acupressure, acupuncture, magnetic and similar therapies
Note: Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below.
