IFFCO Tokio Health Insurance Claims Procedure

Cashless Claims Procedure for Emergency Admission:

You may be admitted in a hospital due to emergency and you worry about paying the hospital bill. If you have been admitted in a network hospital then you can contact the TPA of IFFCO Tokio and check if cashless claim can be made. If you are allowed to make the cashless claim, then you will have to follow the following procedure to claim for emergency admission:

1. Intimate the Third Party Administrator and quote your health card membership number if you are getting admitted in a network hospital. 
2. You must then fill in the cashless request form which will be available at the Hospital Insurance Help Desk. Get the form certified by your attending doctor. 
3. Fax the request form along with supporting medical documents to the TPA. You can avail the Fax number by calling the toll free number - 1800-103-5499. 

Cashless Claims Procedure for Planned Admission:

If you are getting any treatment or operation then you can decide on which network hospital you wish to be admitted in and then you must follow the following procedure to claim for planned admission:

1. Select the hospital from the network hospital list. 
2. Then you must intimate the Third Party Administrator before 3 days of admission and quote your health card membership number. You can intimate the TPA through the toll free number - 1800-103-5499.   
3. You must then fill in the cashless request form that you can find at the Hospital Insurance Help Desk. You must get it certified from the attending doctor. 
4. You must then fax the request form to the TPA along with the supporting medical records.

Reimbursement of Treatment Expenses:

You can reimburse your treatment expenses if your cashless claim does not get approved or if you got the treatment at a non-network hospital. You will however have to clear the hospital bill first. The following is the procedure to file a claim:

1. You will have to intimate IFFCO Tokio on admission or not later than 7 days from the date of discharge. The number to intimate the TPA is 1800-103-5499. 
2. You must quote the policy number while intimating. 
3. You must then avail the treatment and settle the bill and then claim for reimbursement. 
4. The claim form can be downloaded from the website and it can be requested through the call center. The claim document must be submitted to the IFFCO Tokio office address.

Claim Payment:

The claims under the IFFCO Tokio Health insurance are payable in Indian currency. The treatment will have to be taken in India only. The company is not liable to pay any interest or penalty for sum paid under the policy other than as provided under the IRDA regulations. If the insured is not surviving at the time of paying the claim, then it will be paid to the legal heir.

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.