You need health cover regardless of what you take two at a time - pills or stairs.
You need health cover regardless of what you take two at a time - pills or stairs.
  • IFFCO Tokio Health Insurance

     4.0 / 5.0   by 62 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    IFFCO-Tokio General Insurance was incorporated on 4th December 2000. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group which is also the largest listed insurance group in Japan. IFFCO-Tokio General Insurance offers products like Motor Insurance, Health Insurance and other products.


    Iffco Tokio Health Insurance at a Glance

    01
    02
    03
    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 5 family members with up to 2 adults and 3 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Pre and Post Hospitalisation expenses for maximum period of 60 days each, beyond hospitalisation period.

    The next best thing to having a doc in the family

    Health Check-ups

    Health check up expenses will be reimbursed once at the end of a block of 4 continuous claim free policy years, upto a maximum of 1% of the average sum insured of the block.

    * For a family health cover product.

    Critical Factors of the Plan

    01
    02
    03
    04
    Not a paisa goes from your own pocket!

    Co-Pay

    No Co-pay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 3 year

    Hospital room rent determines your treatment bill

    Room Rent

    Room Rent @ 1.0% of Basic Sum Insured daily and ICU/ITU Rent @ 2.5% of Basic Sum Insured daily.

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Iffco Tokio Health Insurance

    01
    02
    Good health offers multiple rewards

    Unique add-on cover available through the Critical Illness Extension under this Policy, on payment of a small extra premium.

    The world is your healthcare oyster

    cashless hospitalization benefits in more than 3000 hospitals

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    IFFCO Tokio General Insurance Highlights Updated on 17 Dec 2017

    Features Specifications
    Network Hospitals 3000+
    Waiting Period for Pre-existing Disease 3 years
    Incurred Claims Ratio 104.25%
    Number of Policies Issued 143697
    Grievances Solved 99.93%
    Renewability Lifetime

    *For Year 2015-2016

    Overview of IFFCO Tokio General Insurance:

    IFFCO Tokio Health Insurance Plans

    IFFCO Tokio General Insurance Co. Pvt. Ltd. was founded in the year 2000 by its promoters viz. IFFCO (& associates) and Tokio Marine and Nichido Group,

    This private insurer registered outstanding growth during the decade 2001 - 2011 and is now a leader in the private general insurance sector. Its business network, spread all over the country, consists of 65 Strategic Business Units, 120 Lateral Spread Centres and 255 Bima Kendras. It provides financial protection to all strata of society with plans suited to farmers and large manufacturers alike.

    IFFCO Tokio has the underwriting, reinsurance and risk management capabilities of Tokio Marine and Tokio Risk Consulting. It was a pioneer of large-scale underwriting in the fertilizer and auto segments. In addition to its suite of traditional products, the company has developed niche policies like Credit, Fine Arts, Profit and Loss Insurance etc. They also pioneered the use of technology like RFID and NDVI to create assurance solutions pertaining to cattle and weather.

    Another feather in its cap is that it is the only insurance company in India that has a fully-owned subsidiary (IFFCO Tokio Insurance Services Ltd.) which is a distribution channel servicing retail clients in over 350 towns.

    IFFCO Tokio also has its set its sights on the rural markets as well. Inclusion is one of its priorities, which is evident in some of its plans such as Mausam Bima Yojana, Mahila Suraksha Bima Yojana and Janata Bima Yojana etc.

    This company leverages on information technology to help process and settle claims speedily and efficiently.

    IFFCO - Indian Farmers Fertilizer Co-operative, is the Indian promoter of IFFCO Tokio. It is the largest co-operative fertilizer manufacturer in the world, providing products and services to the agricultural community since 1967. This multinational enterprise is widely recognised for its excellence in production, marketing and customer service. With 40,000 member societies, it contributes to the country’s economic development by supporting government initiatives aimed at increasing national food production.

    TOKIO Marine Asia Pte. Ltd. is the foreign promoter, with a 26% stake in IFFCO Tokio. Tokio Marine & Nichido Fire Insurance Co. has been in existence for over 120 years making it the oldest general insurance provider in Japan. The growth it has achieved during its lifetime has made it the largest player in this segment. It is a part of the world-renowned Mitsubishi Group and has an S&P rating of ‘AA’ which tells of its sound financial position.

    Types of Health Insurance Policies Provided by IFFCO Tokio:

    The following plans are on offer as part of the company’s health insurance line:

    • IFFCO Tokio Swasthya Kavach Family Health Insurance Policy
    • IFFCO Tokio Individual Medishield Policy
    • IFFCO Tokio Critical Illness Insurance Policy
    • IFFCO Tokio Family Health Protector Policy
    • IFFCO Tokio Health Protector Plus Policy
    • IFFCO Tokio Health Protector Policy
    • IFFCO Tokio Personal Accident Insurance Policy

    Why Compare IFFCO Tokio Health Insurance Plans on BankBazaar?

    IFFCO Tokio Swasthya Kavach Family Health Insurance:

    Basic Plan
    Entry age 18 years to 60 years; For children 91 days to 23 years
    Maximum Renewability age 80 years
    Medical screening Required for persons over 45 years.
    Sum Assured Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs or Rs.5 lakhs.
    Cumulative or No-claim bonus 5% increase in chosen sum assured; upon renewal; for every claim-free year, up to a maximum of 10 years i.e. 50%
    Cashless claim facilities Yes
    Room charges 1% of chosen sum assured.
    ICU/ITU charges: 2% of chosen sum assured.
    Registration, Service charges, surcharge Lower of actuals or 0.5% of sum assured.
    Pre/post hospitalisation periods Yes(Includes Nursing costs)
    Costs pertaining to Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, Operation Theatre., Chemotherapy, Dialysis, Prosthetic limbs or devices and other required consumables or equipment or services for treatment.
    Ambulance charges Lower of actuals or Rs.750.
    Cash allowance for each day of hospital stay Rs.150 per day and Donor’s hospitalisation expenses.
    Domiciliary hospitalisation Up to 20% of sum assured.
    Pre-hospitalisation expenses Up to 30 days.
    Post-hospitalisation expenses Up to 30 days, limited to Rs.7,500.
    Package charges for specific treatments Lower of 80% of actuals or 80% of sum assured.
    Wider Plan
    Entry age 18 years to 60 years; For children 91 days to 23 years
    Registration, Service charges, surcharge Lower of actuals or 0.5% of sum assured.
    Fees of medical personnel like specialists, consultants Yes
    Costs pertaining to Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, OT, Chemotherapy, Dialysis, Prosthetic limbs or devices etc.
    Ambulance charges Lower of actuals or Rs.1,500.
    Cash allowance for each day of hospital stay Rs.250 per day.
    Domiciliary hospitalisation Up to 20% of sum assured.
    Pre and Post-hospitalisation expenses Up to 30 days each
    Health check costs 1% of average chosen sum assured upon completion of 4 claim-free years.
    Package charges for specific treatments Lower of 80% of actuals or 80% of sum assured.
    Donor’s hospitalisation expenses Yes

    IFFCO Tokio Individual Medishield Policy:

    Basis Individual or Family floater
    Entry age 3 months to 80 years, 3 months to 5 years for children, if both parents are covered under the same plan.
    Medical screening Required for persons above 45 years.
    Sum assured Rs.1 lakh to Rs.5 lakhs, in increments of Rs.50,000.
    Cumulative or No-claim bonus 5% increase in chosen sum assured, upon renewal, for every claim-free year, up to a maximum of 10 years i.e. 50%.
    Room charges 1% of the sum assured for each day of hospital stay
    ICU/ITU rent 2.5% of the sum assured for each day of hospital stay.
    Registration, Service charges, surcharge Lower of actuals or 0.5% of sum assured.
    Pre and Post Hospitalisation expenses Rs.1 lakh to Rs.5 lakhs, in increments of Rs.50,000.
    Fees of medical personnel like specialists, consultants Yes
    Costs pertaining to Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, OT, Chemotherapy, Dialysis, Prosthetic limbs or devices etc.
    Ambulance charges Lower of 1% of sum assured or Rs.1,500.
    Cash allowance Lower of 1% of sum assured or Rs.250 for each day of hospital stay.
    Domiciliary hospitalisation Up to 20% of sum assured.
    Donor’s hospitalisation expenses Yes
    Day care procedures 121 days
    Add-on cover for 10 major critical illnesses Payout is equal to base sum assured chosen, paid in addition to base sum assured; 30% additional premium
    Ayurvedic/Homeopathic treatment Up to 10% of the sum assured (includes costs during the pre/post hospitalisation period)
    Health check costs 1% of average chosen sum assured upon completion of 4 claim-free years.
    Package charges for specific treatments Up to 80% of sum assured.
    Family Package discount 5% up to two members; 10% above two members.

    IFFCO Tokio Critical Illness Insurance Policy:

    Basis Group plan
    Waiting period 120 days
    Critical Ailments Covered Cancer, Renal failure, Coronary artery diseases requiring bypass surgery, Major organ transplant, Paralytic cerebral stroke, Accidental injuries resulting in loss of limbs.
    Special Features
    • Each critical illness mentioned in the policy must be confirmed by a registered medical practitioner and supported by clinical, radiological, histological and laboratory evidence acceptable to the insurance company.
    • The company will make payments to the insured person only once.
    • The cover offered by policy shall cease upon the reimbursement of medical expenses incurred as inpatient for suffering from specified critical illnesses.
    Exclusions
    • Treatment cost related to pre-existing diseases.
    • Any medical treatment during the first 120 days of insurance cover.
    • Expenses in treatments related to Human T-Cell Lymphotropic Viruses Type II (HTLV-III) or Lymphadinopathy Associated Viruses (LAV) or AIDS related conditions.
    • Expenses incurred in treatment for ailments caused by drug addiction or alcoholism.
    • Attempted self-injury or suicide
    • Injuries caused by nuclear weapons, war and terrorist attack.

    IFFCO Tokio Family Health Protector Policy:

    Basis Family floater
    Entry Age 18 years to 65 years.
    Sum Assured Ranges from Rs. 1, 50,000 to 5,00,000.
    Inpatient hospitalisation costs Sum insured > Rs. 7 lakhs - the actual amount; no sub limits. Sum insured < Rs. 7 lakhs - Lower of actuals or up to 1.5% of sum assured.
    Intensive Care Unit (ICU) Lower of actuals or up to 2.5% of sum assured.
    Registration charges and service charges 0.5% of sum assured per hospitalisation.
    Costs pertaining to Blood, oxygen, x-ray, radiotherapy, chemotherapy, operation theatre and other consumables, equipment or services as required for treatment.
    Domiciliary hospitalisation 20% of sum insured.
    Ambulance charges Lower of Rs.2,500 or 0.75% of sum insured or Rs 2500.
    Pre/Post-hospitalisation expenses Up to 45 days and 60 days respectively.
    Day care procedures 121 days
    Health check expenses Every 4 claim-free years ; up to 1% of average sum insured.
    Vaccinations Every 2 years; 7.5% of total premium paid (single member) and 15% of total premium (all members).
    Benefits Offered
    • Prescribed vitamins and tonics.
    • Ayurveda, homeopathy, unani and siddha treatment subject to limits.
    • Doctors, consultants, anaesthetists
    • Organ donor’s hospitalisation expenses
    Critical Illness Additional sum insured
    Cumulative/ No-claim bonus 5% of basic sum assured upon renewal after every claim-free year, up to 50%

    IFFCO Tokio Health Protector Plus Policy:

    Entry Age 18 to 65 years
    Renewability Lifelong
    Basis Family floater/ Individual
    Policy term One year.
    Sum Assured Ranges from Rs.2, 00,000 to Rs. 25, 00,000.
    Medical Screening Required for individuals for the age group of 46 years and above
    Ambulance charges Lower of actuals or Rs 3000
    Daily cash allowance 0.10% of sum assured.
    Domiciliary hospitalisation expenses 20% of sum assured
    Pre/Post-hospitalisation Up to 30 days/ 60 days respectively.
    Benefits Covers
    • Boarding and nursing.
    • Medical practitioner, anaesthetist, consultant fees.
    • Blood, oxygen, x-ray, radiotherapy, chemotherapy, operation theatre.
    • Ayurveda, Homeopathy and Unani treatments undertaken at government approved centres.
    • Organ donor’s hospitalisation expenses.
    Waiver of deductibles On payment of additional premium in case of loss or change of job; for insured persons up to 55 years.
    Discounts Family discount on total premium: 5% for 2 members; 10% for 3 or more members. Online purchase discount: 5% on total premium.

    IFFCO Tokio Health Protector Policy:

    Sum Assured > Rs 5 lacs - the actual amount. < Rs 5 lacs - lower of actuals or up to 1.75% of sum assured.
    policy tenure 1 year
    Sum insured Ranges from Rs.1, 50,000 to Rs. 5,00,000.
    Intensive Care Unit Lower of actuals or up to 3% of sum assured.
    Registration charges and service charges 0.5% of sum assured per hospitalisation.
    Domiciliary hospitalisation 20% of sum insured.
    Ambulance charges Lower of 1.00% of sum insured or Rs 2,500.
    Cash allowance 0.20% of sum insured per day during hospitalisation.
    Pre/Post-hospitalisation expenses Up to 45 days/60 days respectively.
    Health check expenses Every 4 claim-free years , up to 1% of average sum insured.
    Vaccination charges Every 2 years; 10% of total premium paid.
    Benefits Covers
    • Fees pertaining to Doctors, Consultants, Anaesthetist’s.
    • Costs for consumables or equipment like blood, oxygen, x-ray, radiotherapy, chemotherapy,operation theatre and other related expenses necessary for treatment.
    • Cost of prescribed vitamins and tonics.
    • Ayurveda, homeopathy, unani and siddha treatment subject to limits.
    • Organ donor’s hospitalisation expenses within limits
    • Terrorism-related injuries or illness.
    Discounts 5% annual increments in basic sum assured
    Add-on covers Critical Illness: Additional sum assured. Intensive care unit/ Normal Room charges: On payment of additional premium, waiver of sub-limits on ICU or normal rooms.

    IFFCO Tokio Personal Accident Insurance Policy:

    Entry age 5 years to 70 years
    Basis Individual or Family floater
    Death Benefit 100% of sum assured
    Loss of sight (both eyes) 100% of capital sum assured
    Loss of two limbs 100% of capital sum assured
    Loss of one limb and one eye 100% of sum assured
    Loss of sight in one eye 50% of capital sum assured
    Loss of one limb 50% of capital sum assured
    Permanent total and absolute disablement 100% of capital sum assured
    Any other permanent partial disablement % as assessed by doctor
    Temporary total disablement 1% of capital sum insured or Rs.25000 whichever is lower
    Expense for carrying dead body 2% of sum insured or Rs.25000
    Ambulance Charges Rs.1000 per insured person
    Loss of employment Rs.10000 or 1% of capital sum insured whichever is lower
    Education expense
    • In the event of death or total permanent disablement of the policyholder 10% of capital sum assured up to a maximum of Rs.5000 for children up to age 23
    • 10% of capital sum insured subject to a maximum of RS.10000 for children more than 23 years of age
    Benefits Covers
    • Employment Benefit
    • Ambulance Benefit
    • Education Benefit
    • Cumulative Benefit

    IFFCO Tokio Cashless Network Hospitals:

    IFFCO Tokio offers health insurance plans that provides reimbursement and cashless facilities in India. Insured members can avail cashless facility at any of the network hospitals of IFFCO Tokio across India. In the case of cashless hospitalisation at a network hospital, the insured member doesn't have to settle the hospital bills at the time of discharge. The hospitalisation expenses will be paid by the insurer's third-party administrator directly to the hospital.

    To avail cashless hospitalisation, prior approval is needed from the TPA before admission. In the case of an emergency hospitalisation, approval can be obtained after admission. To locate a network hospital in your place of residence, select your state and city from the drop-down box on the Network Hospital Locator tool. You will get a list of network hospitals in your area with contact details instantly.

    Find cashless network hospitals nearby: IFFCO Tokio Cashless Network Hospitals

    How to File a Claim with IFFCO Tokio?

    At IFFCO Tokio, you can apply for health insurance claim in 2 ways:

    • Cashless Claim: In the case of a planned hospitalisation at a network hospital, intimate the insurer 3 days prior to admission. For unplanned hospitalisation, intimate the insurer upon admission by contacting the customer toll-free helpline number. Display your health card and a photo ID at the hospital desk. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer’s TPA. After verification of the pre-authorisation request, the hospital will receive an approval letter from the TPA, and proceed with the cashless treatment. Cashless claim approval will be sent within 24-hours of receipt of documents.
    • Reimbursement Claim: In the case of hospitalisation at a non-network hospital or cashless claim denial at a network hospital, the insured member will have to pay the medical bills upfront out of his or her pocket and make a reimbursement claim within 7 days of discharge. Submit the claim form along with the necessary medical documents at the nearest IFFCO Tokio branch office. Upon successful verification of the claim request, the claim amount will be sent via cheque to the insured member within 20 days of receipt of the documents.

    IFFCO Tokio Health Insurance FAQs:

    1. Do I need Health Insurance if I am young and Healthy?

      Yes. No one knows when a medical urgency may arise. Health Insurance keeps you protected in case of sudden injury due to accident as well as against a host of serious sicknesses. Also, Health Insurance takes care of hefty expenses that are made in case a sudden serious medical emergency strikes.

    2. I have a Health Insurance scheme from my Employer, do I still need a personal Health Insurance policy?

      Employer-provided Health Insurance policy is generally non-transferrable. This means that you might face problems in case you take a job switch. Hence, it is advisable to own an individual Health Insurance policy too which will keep you covered all the time.

    3. Is maternity/pregnancy covered as a part of Health Insurance Schemes?

      No. However, company provided group insurance schemes generally cover maternity too.

    4. What is coverage amount?

      Coverage amount is the sum insured or the sum assured that needs to be paid in the event of a claim.

    5. Is there tax benefit on Health Insurance schemes?

      Yes. Tax exemption is available under section 80D of the Income Tax Act.

    6. What is the maximum and minimum policy duration?

      Most policies come for a whole year after which they are to be renewed. However, certain policies also offer two years for renewal.

    7. Are diagnostic charges covered in Health Insurance?

      Yes. Diagnostic tests like MRI, CT-Scan etc. are covered under the medical insurance schemes.

    8. Are homeopathy and naturopathy covered?

      No. These treatments are not covered under a standard policy.

    9. Can I buy more than one health policy?

      Yes. In that case, both health policies will share equally (up to the sum assured) the claim among themselves and pay out your medical expense.

    10. What happens to the policy once a claim is made?

      The policy will continue normally, however, whatever is the amount of claim made that would be reduced from the sum assured. For e.g. a policy of 5 lakhs will be reduced to 3 lakhs in case a claim of 2 lakhs has already been made.

    11. What are the documents required for getting a Health Insurance policy?

      None. Only basic documents such as ID proof are required at the time of making a claim.

    12. Do I need to go personally for renewing my IFFCO Tokio policy?

      No. There are many health insurance policies that can be renewed online too.

    13. Can I cancel my IFFCO Tokio policy?

      Yes. A policy can be cancelled and the premium paid is refunded based on the rates mentioned in policy terms and conditions.

    14. Are emergency services covered under the base plan and the wider plan of the IFFCO Tokio Health Insurance Policy?

      Yes. Emergency services like ambulance and to and fro hospital travel of one designated family member is also covered under the IFFCO Tokio Health Insurance Policies. Other emergency services like care/transportation of minor children, medical repatriation etc. are also provided.

    15. Is dental treatment covered under IFFCO Tokio Health Insurance schemes?

      Yes. Dental treatment is covered up to a certain maximum amount.

    16. What is the maximum number of claims that can be made?

      There is no restriction on the number of claims however, the sum assured is a constant.

    17. What all is not covered under the Swasthya Kavach Family Health Policy?

      Generally, pre-existing sicknesses and sicknesses within 30 days of availing the policy are not covered. Also not covered are the following –

      • Any expense incurred during the first year of policy on operation of ailments like tonsillitis, Gastric Ulcer, Cyst/Polyps, Breast Lumps.
      • Injury or disease caused by war, invasion or any act of foreign army
      • Cost of spectacles, hearing aids etc.
      • Standalone expenses like X-ray, MRI unless related to hospitalization of covered diseases
      • Maternity Expenses
      • Any OPD treatments

      NOTE: Other exclusions also are part of the policy. Please go through the policy details on the official website of Iffco Tokio.

    Examples of Network Hospitals in Major Cities

    CITY NAME OF HOSPITAL
    DELHI INDRAPRASTHA APOLLO HOSPITAL
    MUMBAI MANGAL ANAND HOSPITAL
    KOLKATA RABINDRANATH TAGORE INTERNATIONAL INSTITUTE OF CARDIAC SCIENCES
    BANGALORE CHURCH OF SOUTH INDIA HOSPITAL
    CHENNAI SHIVASUNDER HOSPITAL

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.


    News About Iffco Tokio Health Insurance

    • 7 Helpful Tips for Choosing Best Health Insurance Plans

      If you're one of those people who are smart enough to know you need health insurance but don't know how to go about finding the right plan, check out some of these useful ways to zero in on the best health insurance policy. Show me the tips

      28th April 2015

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    IFFCO Tokio Health Insurance Reviews

  • Page 1 of 4 1 2 3 4
    • review Health Insurance
      "Good Doctor for Family"
      0.5 5.0/5 "Blown Away!"
      Its a low premium health insurance with high benefits, I make the premium around Rs.6000 for 4 person. It gives me the medical coverage of 1 lakh for each, totally coverage has Rs. 4 lakhs. Customer service is also good, Iffco Tokiyo is providing coverage for multiple diseases with reputed hospitals.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 13, 2017
    • review Health Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance com Accidental coverage from Iffco tokio general insurance. The customer services are good. It was a online process as well. The premium is of 1800 and it is paid on a yearly basis. The medical coverage is of five lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • review Health Insurance
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I am having health insurance policy with the Iffco tokio general insurance company . I had been with them from the last three years of time. Customer service is an excellent one and I have not faced any issues with them till now. Response and other features were really a good one.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 21, 2017
    • review Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I am holding IFFCO TOKIO health insurance around four years, but I don't have any claim experience as of now. My company is paying for the health insurance, they gave the medical coverage of Rs. 5 lakhs its has covers for me. It got good network hospital with cash less treatment facility.
      Was this review helpful? 1
      , chennai
      Reviewed on May 24, 2017
    • review Health Insurance
      "Very good insurance policy"
      0.5 4.0/5 "Great!"
      Having a medical insurance policy with IFFCO TOKIO GENERAL INSURANCE company, which was provided by my company. I am not aware of the claim experience. Because I haven't got any claim experience so far. I am not sure how much my company pays to this insurance policy. This medical insurance covers whole family .
      Was this review helpful? 0
      , pune
      Reviewed on May 13, 2017
    • review Health Insurance
      "Bad after sale service"
      0.5 2.0/5 "Expected more"
      IFFCO TOKIA not got the tie up with good hospitals it not like a HDFC ERGO, I making the premium around Rs.3500, they giving coverage for my nuclear family. It has double coverage for cirital illness, 2 lakhs become 4 lakhs in that situation. I used to make online payment for this policy.
      Was this review helpful? 1
      , kolkata
      Reviewed on May 11, 2017
    • review Health Insurance
      "Good benefits coverage for family"
      0.5 4.0/5 "Great!"
      My company got a tie up Iffco Tokio, they offered me health insurance. Its covers for me and entire family. As a premium they were taking Rs.1400 yearly basis. Medical coverage around Rs.3 lakhs for my family. My mother is not well, she getting treatment in hospital, hence I am getting the reimbursement from them.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 10, 2017
    • review Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I had taken good policy for my entire family with IFFCO, Medical coverage upto 15 Lakhs it was good for hospitalization , cash less treatment and other benefits. My wife was hospitalized so we had claimed upto 48,000 it was really helped at the time. I used make 7800 per annum through Online.
      Was this review helpful? 1
      , vadodara
      Reviewed on Nov 12, 2016
    • review Health Insurance
      "Worst please dont buy"
      0.5 1.0/5 "Really Bad"
      while buying the policy the executive updated that claim will be done within 15 working days. (its a false promise) I am done a claim and its pending from last one month, every time i call customer care that update its under process, it more then a month and still it is under process.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 06, 2016
    • review Health Insurance
      "Medical insurance"
      0.5 4.0/5 "Great!"
      IFCO TOKYO is a company based policy . The company is supposed to pay premium for this. I have got the company I- card and every year they will renew this policy. I have submitted all the required documents to my company for availing this policy.
      Was this review helpful? 1
      , noida
      Reviewed on Sep 27, 2016
    • review Health Insurance
      "My medi claim insurance"
      0.5 5.0/5 "Blown Away!"
      IFFCO TOKIO has offered a cashless card where it has got a cover of about 3 lakhs. I had just to call the customer service of that insurance and I was offered a cash less card. They have provided a list of hospitals and their number as well. They had also mentioned the expiry date on it and after one year the policy would be renewed.
      Was this review helpful? 1
      , thane
      Reviewed on Sep 16, 2016
    • review Health Insurance
      "Less premium "
      0.5 4.0/5 "Great!"
      They have got the lesser premium offered to customer in case of medical coverage offered.I have not used the service yet.The terms and conditions are clearly mentioned for the customer.I received the documents on time from IFFCO TOKIO GENERAL insurance
      Was this review helpful? 0
      , faridabad
      Reviewed on Aug 27, 2016
    • review Health Insurance
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Iffco Tokio general insurance has very good services. Though I do not have a personal claim experience. I have seen the services as my colleague had a claim and the response from them was fast. The procedure was compelted within three hours. I have taken a health insurance for my family and I. The medical coverage if for three lakhs per person. I pay a premium of 15K on a yearly basis. The best is they have a tie up with all the major hospitals.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 19, 2016
    • review Health Insurance
      "Excellent policy"
      0.5 5.0/5 "Blown Away!"
      Iffo tokio has been good in their services. They have online facilities as well as a good customer support. The best feature of the health insurance policy is, a unlimited claim could be done for a two lakh policy. The coverage can be taken as far as two crores. The premiums are also very economical. Overall it is the best I have seen when compared to other policies.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 06, 2016
    • review Health Insurance
      "Bad in service and not recommended "
      0.5 3.0/5 "Satisfactory"
      The service provided by IFFCO tokio was not good related to the health Insurance.They do provide the cashless card in a delayed manner.They dont abide by the rules promoted to the customer which is a drawback.In case of free doctors check up they have applied charges stating the treatment was not done through the network doctor but the rules were not mentioned in the documents.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 04, 2016
    • review Health Insurance
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      With the Iffco tokio general insurance company, I do have the health insurance policy. They are giving the cashless treatment policies. I dint faced any claims with them till now and am paying around 6800 Rupees per annum.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 04, 2016
    • review Health Insurance
      "Better"
      0.5 4.0/5 "Great!"
      With the Iffco tokio general insurance company I do have the health insurance policy. I can say its the better experience like recently I got the settlement within ten days of time. Response is also a better one with them. Medical coverage value is around 11 lakh Rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 11, 2016
    • review Health Insurance
      "average"
      0.5 4.0/5 "Great!"
      It was from my company which provided a health insurance to me. It is actually a medical insurance from IFFCO TOKIO. This insurance is tenured for 1 year. Approximately rupees 8000 is deducted from my salary yearly for this insurance. Overall I get average benefits through this.
      Was this review helpful? 1
      , kochi
      Reviewed on Mar 10, 2016
    • review Health Insurance
      "Pathetic Experience"
      0.5 1.0/5 "Really Bad"
      A very bad experience with this company. Would never recommend this company to anybody. Claims are not settled when promised. Dis satisfied. Repeatedly calling the company gives no joy. Never receive a response for the emails sent on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 04, 2016
    • review Health Insurance
      "Good facilities...."
      0.5 4.0/5 "Great!"
      My company Tye up with Iffco Tokio general insurance so, they use to deduct our premium amount through ecs mode. Premium amount was 5300rs for my health insurance. Total tenure for 1 year. I would revived cash less treatment. Medical coverage for 40k and its an individual coverage.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 13, 2016
    Common Loader Icon
    Page 1 of 4 1 2 3 4
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.