You need health cover regardless of what you take two at a time - pills or stairs.

IFFCO Tokio Health Insurance

IFFCO-Tokio Health Insurance plans come with a number of exclusive features, benefits and discounts. The company offers a variety of plans and riders to enhance coverage. Additionally, cashless treatment from a wide hospital network can be availed.
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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 General Insurance Highlights Updated on 20 Mar 2019

Features Specifications
Network Hospitals 4200+
Waiting Period for Pre-existing Disease 3 years
Incurred Claims Ratio 82.89%
Number of Policies Issued 164998
Grievances Solved 98.47%
Renewability Lifetime

*For Year 2017-2018

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

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 General Insurance Customer Care:

IFFCO Tokio General Insurance Company Limited, one of India’s most popular general insurance provider, was established following a joint venture between the Indian Farmers Fertilizer Cooperative (IFFCO) and Tokio Marine and Nichido Fire Group. The insurer currently offers a wide range of general insurance products to cater to the needs of a varied customer base. Under their health insurance segment, the insurer offers a number of individual, and family health insurance policies, along with others like personal accident insurance, critical illness, and more.

To take care of customer queries and grievances, IFFCO Tokio has set up a dedicated and highly trained customer support team that can be reached via various mediums. Customers can get in touch with the support staff by dialling on the company’s dedicated customer service phone helpline. They can also write in to the customer care department via email to register their policy-related queries, complaints, and grievances. The helpline can be used to register a number of requests such as requesting for a policy copy, revival of lapsed policies, put in a request for policy change, renew a policy, set renewal reminders, make queries regarding claim, among various other requests. Besides the online channels, customers can also write to the insurer’s corporate address as well.

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.

Incurred Claims Ratio of IFFCO Tokio Health Insurance for the Year 2017-18

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
Rs.499.08 crore Rs.452.62 crore 90.69%

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.


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    28 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 5 1 2 3 4 5
  • review Health Insurance
    "Experience is good"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance from Iffco Tokio General insurance. The process to get the policy was smooth. The customer services and response is good. The medical coverage is also satisfactory and the premium cost is nominal. There was no claim experience.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Mar 09, 2019
  • review Health Insurance
    "Neutral"
    0.5 2.0/5 "Expected more"
    I am okay with the medical coverage but my customer service experience was not satisfactory with Iffco Tokio during the claim. I have done a reimbursement but cashless was good. They have limited network for cashless. The medical coverage is 5L for total family. It covers all types of disease for corporate customer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 04, 2019
  • review Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have a health insurance in Iffco Tokio and it was offered by the company. The medical coverage is 3L. The policy period is one year. The policy covers father, mother and myself. I have paid 5K and got the insurance documents. There was no claim experience till now.
    Was this review helpful? 1
    , nellore
    Reviewed on Mar 01, 2019
  • review Health Insurance
    "Very Good response"
    0.5 5.0/5 "Blown Away!"
    I do get a immediate response when i renew the policy through online. Since the coverage value is good, i have selected the policy from Iffco Tokio. I got the policy for my entire family. I am paying the premium amount of Rs. 16000 annually. They have given me a coverage value of Rs. 5 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 26, 2019
  • review Health Insurance
    "Good insurance service provider"
    0.5 4.5/5 "Excellent!"
    As of now i never had a word with them regarding the services. I had a good experience because they have not asked for much documents. They have sanctioned the loan within a fraction of second. There will be a terms and condition changes in every years. I have bought the policy for my entire family.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 20, 2019
  • review Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have a health insurance with IFFO TOKYO from last 5 years, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance. I am happy with the policy coverage and it covers Rs 3 lacs.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 16, 2019
  • review Health Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my health insurance with IFFCO TOKYO from last 2 years, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance. The policy coverage for this insurance is Rs 4 lacs which covers family.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 15, 2019
  • review Health Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    This insurance policy had been taken through my company which i am working and the i am paying the premium on an annual basis. It has been almost two years since it has started and the payment has been made by the company and there has not been any claims made so far and cashless treatments are also available with a lot of hospitals covered in the locality.
    Was this review helpful? 0
    , hosur
    Reviewed on Jan 26, 2019
  • review Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    My company have provided me a health insurance with Iffco Tokio. It has cash less treatment, in my place they got lot especially in major hospital like Apollo. I don't claim, They gave me medical cover for me. It has pre existing and critical illness.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Dec 07, 2018
  • review Health Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    The reason for taking the health insurance with the IFFCO TOKIO GENERAL INSURANCE is for tax benefits. The premium i pay 25k for this policy which gives the medical coverage is nominal. I have no claim with this policy and i am using it from last 10 years.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 07, 2018
  • review Health Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    I got the medical cover around Rs.3 lakhs recently Iffco Tokiyo got tie up with Park hospital in Gurgaon location. They are providing cash less treatment. I got policy number it is useful for the emergency purpose, they have good claim facility too.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Nov 22, 2018
  • review Health Insurance
    "Average health insurance"
    0.5 4.0/5 "Great!"
    Till now i have not used the health insurance policy. I have not made any claim settlement so far. Based on the company policy, they have given me coverage amount of Rs. 2,5 lakhs. This is policy given for my family. They have given the hospital list and every area has been covered under my city.
    Was this review helpful? 0
    , greater noida
    Reviewed on Nov 22, 2018
  • review Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with IFFCO TOKIYO , i dont pay premium the company directly pay on my behalf so i dont know how much i need to pay insurance and this insurance include accidental policy and it has got tie up with various hospitals.
    Was this review helpful? 0
    , dariba
    Reviewed on Nov 14, 2018
  • review Health Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My health is insured with IFFCO TOKIO from last 5 years, there was no claim experience so far with this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy. The coverage value of this insurance is Rs 4 lakhs and it covers self and spouse.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Sep 27, 2018
  • review Health Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I've health insurance policy with the IFFco Tokyo. I am paying a premium of 8000as Joining fee. The policy is for entire family. The annual coverage of the policy, 15-20 Lacs. So far in terms of the policy benefits it is a recommendable policy to have.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Aug 16, 2018
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I had taken this loan almost long time back and the experience with them had been good. There has not been good cashless treatment facilities with the insurance policy but i have not used it so far. The insurance policy cover most of the hospitals with the hospitals in my locality. There ahs not been any claims made so far.
    Was this review helpful? 1
    , noida
    Reviewed on Jul 29, 2018
  • review Health Insurance
    "Not satisfied"
    0.5 1.0/5 "Really Bad"
    I took health insurance from Iffco tokio health insurance . I have choose this insurance mainly because of convincing premium amount . I have closed this insurance as they told it cover pre disease coverage . During claim process , there is no proper response from the customer service and response .
    Was this review helpful? 1
    , vadodara
    Reviewed on Jul 17, 2018
  • review Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have my health insured with IFFCO TOKYO from last 1 year, i am happy with the coverage value of this insurance policy. I do not have claim experience so far with this insurance company. My premium amount gets auto deducted from the salary account. I have a coverage of Rs 5 lakhs for this insurance.
    Was this review helpful? 0
    , kolkata
    Reviewed on Apr 25, 2018
  • review Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken Health Insurance with Iffco tokio,the premkum amount is 8000 paid by cash,i have no claim experience with the,they cover 100% cashless treatment.I am happy with the insurance.This policy is including family member is five lakhs.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 02, 2018
  • review Health Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I never got any claim experience with the IFFCO TOKIO GENERAL INSURANCE health insurance policy. The customer support service is average with the IFFCO TOKIO GENERAL INSURANCE company. This policy covers 3 members in my family,. The medical coverage of Rs,2lakh is available with this policy.
    Was this review helpful? 0
    , goa
    Reviewed on Feb 05, 2018
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