IFFCO Tokio General Insurance Network Hospitals

Find the state-wise list of network hospitals for IFFCO TOKIO GENERAL INSURANCE.

Search for details of IFFCO TOKIO GENERAL INSURANCE network hospitals in India.

IFFCO Tokio General Insurance is a joint venture between IFFCO (Indian Farmers Fertilizer Cooperative) and Tokio Marine and Nichido Fire Group, who are IFFCO’s associates. It was incorporated on December 4, 2000. They assure 100% commitment towards the development and provision of dependable insurance products to their customers.

The insurance products offered by IFFCO Tokio General Insurance include health insurance, motor insurance, travel insurance, home insurance, specialty insurance and micro & rural insurance among other products.

The health insurance plans offered by IFFCO Tokio are as follows:

  • Family Health Protector Policy (FHP): This policy offers cover for you and your family from disease or injury including medical bills, surgical bills, hospitalization expenses, organ transplant etc. Additionally, it offers a higher sum insured in case of critical illness.
  • Individual Health Protector Policy (IHP): This policy offers you and your family cover for medical expenses, hospitalization costs, room rent expenses, nursing expenses etc. with 1 year of Normal Policy Term. However, you can also apply for a policy on short-term basis.
  • Swasthya Kavach Policy - Family Health Insurance Policy from IFFCO Tokio: You can choose between Base Plan and Wider Plan that offer comprehensive cover for registration/service charges and surcharges, room rent, nursing expenses, ambulance charges, hospitalization charges and Rs.150 per day as daily allowance, pre and post hospitalization expenses etc.
  • Individual Medishield Policy: This policy offers cover for you and your family from accident or illness leading to hospitalization. It offers cover for treatment of physical injury/disease, medicine costs, operation theatre costs, domiciliary hospitalization costs etc.
  • Personal Accidental Insurance Policy (IPA): This policy offers comprehensive protection from all accidents resulting in bodily injury or death while on roads, while traveling, while at work etc. In case of your death, your family will be financially secured through this cover.
  • Critical Illness Insurance Policy (CI): Under this policy, you will receive cover for major organ transplant, renal failure, coronary artery diseases that require bypass surgery, paralytic cerebral stroke and accidental injuries leading to loss of limbs.
  • Health Protector Plus Policy (HPP): This policy offers you and your family cover for large treatment expenses in case of injury/disease. This policy is an additional cover above your deductible amount when you opt for compulsory deductible which is either borne by you or covered through existing health covers.

IFFCO Tokio Health Insurance Cashless Network Hospitals

Under the cashless health insurance facility, you do not have to settle the bill with the hospital after the completion of your treatment or upon your discharge. The insurance company which is represented by a Third Party Administrator (TPA) will coordinate with the hospital and settle the bill directly without much involvement from you. Cashless health insurance facilities are available with hospitals that your insurance company has a tie-up with. These hospitals are called network hospitals.

IFFCO Tokio offers cashless health insurance services under two circumstances – emergency circumstances and for planned admission. However, these services will only be available with network hospitals of TPA that they have a tie-up with.

What are the type of claims that can be done at IFFCO Tokio Health Insurance network hospitals?

You can choose between claims that are serviced through IFFCO Tokio’s external TPAs or claims serviced directly by IFFCO Tokio:

  • Cashless Claims – It is advisable to check with the company’s TPA if the hospital you wish to seek treatment from is a network hospital before you get admitted. Upon receiving confirmation, the network hospital will assist you with fulfilling formalities pertaining to your cashless request. There are two types of claims that you can make under the cashless facility:
    • Cashless claims procedure involving emergency admission.
    • Cashless claims procedure in case of planned admission.
  • Reimbursement claims – In case the cashless facility is unavailable at a network hospital where you are seeking treatment, you can submit all original documents pertaining to your hospitalization/treatment for reimbursement.

How do you file claims at IFFCO Tokio Health Insurance network hospitals?

Procedure for Cashless claims in case of emergency admission:

  • Upon admission at a network hospital, immediately intimate the TPA and provide your health card membership number.
  • Complete the cashless request form and have your treating doctor certify it.
  • Fax this form with all supporting medical documents to the TPA.
  • The TPA will verify all documents and provide their decision to the network hospital. The TPA will either approve the claim or request for additional information, if applicable.
  • Upon approval, the hospital bills will be directly settled between the TPA and the hospital. You will have to settle any additional charges that are not covered under your policy.
  • In case your cashless claim has been rejected by the TPA, you will have to settle the bill with the hospital and claim for reimbursement.

Procedure for cashless claims for planned admission:

  • Select a network hospital of IFFCO Tokio.
  • You must intimate the TPA 3 days before your admission through the Helpline Number and provide your health card membership number.
  • Complete the cashless request form and have your treating doctor certify it.
  • Fax this form with all supporting medical documents to the TPA.
  • The TPA will verify all documents and provide their decision to the network hospital. The TPA will either approve the claim or request for additional information, if applicable.
  • Upon approval, the hospital bills will be directly settled between the TPA and the hospital. You will have to settle any additional charges that are not covered under your policy.
  • In case your cashless claim has been rejected by the TPA, you will have to settle the bill with the hospital and claim for reimbursement.

Note - The approval/denial of your claim for cashless facility will be provided by the TPA 24 hours after receiving all relevant documents.

Procedure for reimbursement claim:

  • You must intimate the insurance company on their toll number upon admission and not later than 7 days after your discharge date and provide your Policy Certificate Number.
  • Upon the completion of your treatment, you must settle the bill with the hospital before filing a reimbursement claim.
  • Complete the claim form and request for a doctor’s certificate along with the following documents to submit to IFFCO Tokio:
    • Diagnostic tests, x rays, ECG and other films, scans etc.
    • Prescriptions.
    • Bills.
    • Advance and final receipts.
    • Discharge summary.
  • You must submit the form and all relevant documents to your local IFFCO Tokio Office address.
  • Your claim will be processed once all documents have been received and you will receive a cheque if your claim has been approved.

Note – The approval/denial of your claim for reimbursement will be provided in 20 days after the company receives all relevant documents.

Procedures offered/covered in IFFCO Tokio Health Insurance network hospitals across India

The common procedures covered in IFFCO Tokio Health Insurance network hospitals include hospitalization expenses such as nursing charges, room rent costs, different types of medical practitioner fees including surgeons, consultants, and anesthetists etc., costs for medications, diagnostic/pathological tests, oxygen, blood and similar expenses.

The critical illness policy offers cover against major organ transplant, renal failure, coronary artery disease that require bypass surgery, paralytic cerebral stroke and accidental injuries leading to loss of limbs.

Exclusions under IFFCO Tokio Health Insurance network hospitals

The common exclusions under IFFCO Tokio Health Insurance network hospitals include the following:

  • Treatment for sex change, obesity, hormone replacement therapy.
  • Medical treatment on account of attempted suicide or self-injury.
  • Treatment resulting from terrorism risks, nuclear risks or war.
  • Treatment resulting from alcoholism or drug addiction.
  • Expenses for treatment of HIV, AIDS and similar diseases.
  • Non-medical expenses such as expenses for personal comfort or convenience items.

FAQs – Frequently Asked Questions:

  1. What is the maximum policy duration for an IFFCO Tokio health insurance policy?

    IFFCO Tokio health insurance policies are offered for a period of 1 year. However, companies may provide their employees with a 2 year policy.

  2. Do I need to undergo a medical checkup before applying for an IFFCO Tokio health insurance policy?

    If you are above 45 years of age, you will need to undergo a medical checkup before applying for a health insurance policy. Medical checkups are generally not required for individuals aged below 45 and for policy renewals.

  3. Do the IFFCO Tokio health insurance policies cover pregnancy and/or maternity related expenses?

    No. Health insurance policies do not cover pregnancy and/or maternity related expenses. However, group insurance plans provided by your employer may cover such expenses.

  4. Does my health insurance policy cover homeopathy and naturopathy treatments?

    Standard health policies will not cover homeopathy and naturopathy treatments. However, allopathic treatments at recognized nursing homes and hospitals will be covered under your health insurance policy.

  5. What is the waiting period on my health insurance policy?

    New health insurance policies have a waiting period of 30 days starting from the commencement date of your policy. However, waiting periods are not applicable on emergency hospitalization due to an accident. The waiting period is also not applicable on policy renewals.

  6. How many claims can I make in a year?

    There is no limit to the number of claims you can make in a year. But note that the sum insured will be the maximum limit for your policy.

  7. Can foreigners apply for an IFFCO Tokio health insurance policy?

    Yes. Students studying in the country or foreigners who are working in India and have a valid work visa can apply for IFFCO Tokio health insurance policies. However, it is not advisable for tourists who are visiting India for a period of 3 weeks to apply for health insurance due to the 30 day waiting period where no claims can be made. Also, medical tourism will not be covered under health insurance policies issued in India.

  8. Am I eligible to buy more than 1 health insurance policy?

    Yes. You can buy more than 1 health insurance policy.

  9. Can I cover myself and my family under 1 health insurance policy even if they are not living with me?

    Yes. You can cover yourself and your family under 1 health insurance policy even if they are not living with you, but they should be living in India. However, be sure to check if network hospitals are available near you as well as your family. In case there are no network hospitals near you/your family, you can settle your claims through the reimbursement claims procedure.

  10. What will happen if I cancel my health insurance policy?

    If you cancel your health insurance policy, your cover will cease to exist starting from the cancellation date of your policy. You will receive a refund on your premium based on the short period cancellation charge.


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