Iffco Tokio Health Protector Super Top Up
Product overview - Iffco Tokio Health Protector Super Top up Plan
Iffco Tokio Health Protector Super Top-up Plan is an affordable option of upgrading your policy. A super top-up Policy takes into consideration the sum total of all the bills in a year and not just the single instance during a claim and its is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required.
Unique Features - Iffco Tokio Health Protector Super Top Up
- Pre and Post hospitalisation 60 days and 90 days
- Emergency Assistance Services
- Waiver of Deductible in case of change/Loss of job
- No Co-payment
Critical features - Iffco Tokio Health Protector Super Top-Up
- Room rent:
Limits imposed towards room and ICU rent expenses
This plan does not have any limits specified over room rent expenses - No Claim Bonus:
This Plan does not have no claim bonus benefits - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This plan does not have no co-payment clause - 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 plans has a waiting period of 4 years is case of pre-existing diseases
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Eligibilty Criteria
- Minimum Age of Entry:- Children- 3 Months & Adults - 18 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Policy Tenure:- 1 yrs
- Family Defination:- Self, Spouse, Dependent Children and Dependent Parents
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)
|
Deductible Amount
|
Sum Insured |
| 1 Lacs | 2 Lacs |
| 2 Lacs | 4 Lacs |
| 2 Lacs | 5 Lacs |
| 3 Lacs | 5 Lacs |
| 3 Lacs | 7.5 Lacs |
| 5 Lacs | 10 Lacs |
| 5 Lacs | 15 Lacs |
| 5 Lacs | 25 Lacs |
Additional discounts
- Family discount of 5 % if 2 family member are covered under the same policy on Individual sum insured basis.
- Family discount of 10 % if 3 or more family member are covered under the same policy on Individual sum insured basis.
Waiting Period
- Covered from Day 1 : Accidental Injuries
- Covered after 30 Days : All incidences apart from specified surgeries & Pre existing diseases (if any)
- Covered after 2 Years : Cataract, Benign Prostatic Hypertrophy, Hysterectomy (for other than due to carcinoma), Myomectomy, Endometriosis, Hernia, Hydrocele, Fissures &/or Fistula in anus, Piles, pilonidal sinus, Sinusitis & related disorders, Stones in the urinary and billiary systems, Gastric and Duodenal Ulcers, Dilatation and Curettage, Joint Replacement, Arthritis, Gout, Rheumatism and Spinal Disorders, Chronic Renal failure or End Stage Renal Failure, Any type of Cysts/Nodules/Polyps including breast lumps and any other benign growth, Varicose Veins / Varicose Ulcers, Intervertebral disc diseases.
Exclusions
- War or any act of war, invasion.
- Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane.
- Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hanggliding, rock or mountain .
- Treatment of Obesity and any weight control program.
- Venereal disease, sexually transmitted disease or Illness; Psychiatric, mental disorders, Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness) .
- Dental treatment and surgery of any kind, unless requiring Hospitalisation.
- Experimental, investigational or unproven treatment, devices and pharmacological regimens.
Tax Benefits
- You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
- Self, Spouse, Childrens- Up to Rs 20,000/-
- Parents-Up to Rs 25,000/-
- Parents (Senior Citizens)-Up to Rs 30,000/-
Claim Process
Insurer has to be intimated 48 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 15 days of discharge from the hospital.
Claims Intimate at toll free - 1800 103 5499 & Email Id - deosuratclaims@iffcotokio.co.in
