IFFCO-Tokio Individual Health Protector Policy: Coverage, Claim & Renewal

Updated: 24-01-2024 11:14:08 AM

With medical expenses reaching sky-high prices, it becomes very important to be concerned about your health and the health of your loved ones. The best way to ensure that you will get the best treatment possible during critical times is to get health coverage according to your needs. One such plan is IFFCO-Tokio Individual Health Protector Policy which is designed to take care of medical expenses as and when the need arises. This way, you can be assured of best treatment without having to burn big burning hole in your pocket.

Eligibility Criteria

Particulars	Details
Entry Age for dependents	3 months – 23 years
Entry Age for primary insured	18-65 years

How to buy IFFCO-Tokio Individual Health Protector Policy

• There are multiple ways to purchase an Individual Health Protector Policy from IFFCO Tokio, and you can do it in the following ways:
• You can visit the online portal of IFFCO-Tokio at https://www.iffcotokio.co.in and purchase the policy after getting a quote, checking the policy guidelines, filling the proposal and completing the payment online
• You can call the help executives at 1-800-103-5499, who will be eager to help you with the policy procedures
• For any queries before or after the purchase of the policy, you can reach them through e-mail on websupport@iffcotokio.co.in
• You can also use this link to access the branch locator tool and go to the nearest IFFCO-Tokio branch to buy insurance cover for yourself.

Exclusions under the Policy

• Any form of psychiatric conditions and mental illnesses
• Any illness or injury caused by exposure to nuclear materials or weapons.
• Any form of vaccination or inoculation (unless required due to bite-treatment or as a part of additional cover
• Any form of corrective, cosmetic, or plastic surgery, unless required due to an accident
• Dental implants and other dental procedures, unless required due to accident
• Any form of injury occurred due to self-inflicted harm
• Any STDs or venereal diseases
• Any illness or injury caused by consumption of intoxicating substances such as alcohol or psychotropic drugs
• Any procedure related to abortion, pregnancy, or conception of pregnancy
• Any injury or condition caused by nutritional deficiency or debility
• Any procedures or therapies that are scientifically unproven or untested
• Injury or illness caused due to foreign invasion or war

Documents needed for filing a claim under IFFCO-Tokio Individual Health Protector Policy

• Claim form – properly filled and duly signed
• Pharmacy bills
• Test reports
• Doctor’s prescriptions
• Bills
• Discharge Summary
• Any other document(s) asked by the company

Renewal Process of IFFCO-Tokio Individual Health Protector Policy

IFFCO Tokio Individual Health Protector Policy comes with the option of lifelong renewal. This means, you can get your policy renewed till you survive. There is a 30 days window provided to the policyholder to pay the premium for renewal. This should be take care of otherwise renewal option won’t exist to exercise.

Portability

It is quite possible that you, being a responsible individual, might already be having some other health insurance policy. This is why, this plan of IFFCO-Tokio Individual Health Protector Policy comes with the option of portability. This means that you can shift to this health plan without losing a penny of the accumulated benefits of your previous policy.

Advantages of IFFCO-Tokio Individual Health Protector Policy

• This policy allows you to provide individual coverage to each and every family member, to customize the spectrum of coverage for each family member, and still making it accessible with low premium prices
• Ability to extend policy amount for each policy member easily, which allows you to modify the coverage amount individually for family members
• You can avail the benefit of cashless hospitalization at over 4000 hospitals in India
• IFFCO-Tokio provides emergency medical evaluation helpline which runs 24/7 and is prepared to deal with emergency medical situations, and will guide you to suitable hospitals near you
• Flexible sum assured ranging from  Rs. 50,000 to Rs. 20,00,000
• You can port to Individual health policy from any other policy and still enjoy the benefits accumulated under previous policy
• You can renew the policy for a lifelong duration and enjoy the benefits of continuity for a long time.
• For the years in which no claim has been filed, you can avail a cumulative bonus (NCB) and get rewarded for being a loyal customer of IFFCO-Tokio
• You get income tax benefits for the premium payments under the Section 80(D) of the Income Tax Act up to the maximum limit allowed
• You can easily purchase this policy online with the help of the online portal of IFFCO-Tokio and start enjoying the benefits immediately
• Policy coverage includes senior citizens into the plan, covering them from age-related issues
• You can avail a free-look period for the first 15 days of policy coverage, under which you can return the policy document if you are having second thoughts
• Coverage of alternate therapies such as Ayurvedic, Yunani, Homeopathic, as well as Siddha form of medication and treatment
• The policy allows lifelong renewal, beyond the normally observed limit of 55 years, thus making it appropriate for senior citizens as well
• Cost incurred for medical check-ups is reimbursed after 48 months

Also Check:- IFFCO-Tokio Individual Personal Accidental Policy

Customer Care Details

Contact the cordial customer care staff of IFFCO-Tokio using any of the following options and get your query resolved in no time.

• 24 Hour Number: 1800 103 5499 (Toll free)
• 24 hour Number: +91-124-4285499 (Chargeable)
• 9 AM to 9 PM Number for Cashless Claims: +91-124-4722020 (Chargeable)
• Fax Number: +91-124-4722000 To 06
• E-Mail: healthclaims@iffcotokio.co.in
• Website: www.iffcotokio.co.in

Also Check:- IFFCO-Tokio Swasthya Kavach Policy

FAQs

Q1. Is there an easy way to calculate my premium before I purchase insurance cover?

Yes, you can use the online premium calculator which will take not more than a minute or two to give you an estimated value.

You can use the following link for the premium calculator: https://www.online.iffcotokio.co.in/itgiwebportal/.

Q2. What kind of tax benefits can I avail through this policy?

You can avail a tax benefit of up to Rs.30,000 through the policy under section 80(D) of the Income Tax Act, India.

Q3. Is there any waiting period to consider for the policy?

Yes, when you buy a mediclaim from IFFCO-Tokio, there will be a waiting period of 30 days during which you cannot make any claims. Once this period is over, you can get reimbursements done seamlessly.

Q4. How many claims can you make every year?

You can make as many claims as you want, but the services are limited to the sum insured under the insurance policy.

Q5. Can I change hospitals during my treatment?

Yes, you can certainly do so, but only if advised by the consulting physician and declared physically safe for the patient to be transported.

 

Features
Claim Type (In-House or TPA)	In House
Pre-Hospitalization	Yes, 45 days
Network Hospital Count	4000+
Post-Hospitalization	Yes, 60days
Room Eligibility	Differs as per the Sum Insured
Share Claim Payments	No
Restoration of Cover	–
No Claim Bonus	Yes, 5% of the Base Sum Insured
Ambulance Charges	Rs. 2500 (max.)
Worldwide Coverage	No
Maternity Cover	–
Hospitalization at Home	Yes (conditions applied)
Day Care Treatment	Yes
Non-Allopathic Treatment Coverage	No
Emergency Ambulance	Yes
Health Check-up	Yes (1% of the amount insured