IFFCO Tokio Health Protector Plus Policy

Entry Age

Individuals between the ages of 18 to 65 years can buy this policy. Children above 3 months can be covered under the same provided the policy covers one of the parents.

Renewability

Lifelong renewability is available, if the policy is renewed without any break.

Basis

Family floater/ Individual sum insured.

Policy term

One year.

Sum Assured

The policy has 8 plans to offer you the best possible range of sum insured. Normally, it ranges from Rs.2, 00,000 to Rs. 25, 00,000.

Premium

Low premium rates.

Medical Screening

Medical screening is required for individuals for the age group of 46 years and above. No medical screening is required up to 45 years, provided the person has a good medical history.

Policy Cover

1. The policy covers room rent expenses during hospitalization.
2. Boarding and nursing expenses are covered during hospitalization.
3. Covers surgeon, anesthetist, medical practitioner and consultant's fees.
4. Cost of Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Radiotherapy, Pacemaker, Dialysis, Chemotherapy Artificial Limbs, Organs and similar expenses is covered
5. Expenses spent in buying vitamins and tonics are covered only if they are a part of the treatment process, and certified by the treating doctor.
6. Ayurveda, Homeopathy, Unani or Sidha hospitalization expenses are covered up to a specified limit.
7. Covers ambulance charges up to Rs.3000 per claim.
8. Domiciliary hospitalization is covered.
9. Daily allowance equivalent to 0.10% of the total sum insured is offered during hospitalization.
10. Hospitalization expenses are covered for person donating organs during an organ transplantation of the insured person.

Special features

1. Get a grace period of 30 days for renewals.
2. Offers optional cover which helps in case of loss or change of job. With this cover, the deductible is waived. This cover is applicable for only those insured persons who are in service and are below the age of 55.
3. Offers high coverage at low premiums.
4. The policy can be bought without any other basic health policy.
5. The policy will automatically terminate upon the death of the insured person and upon exhaustion of the limit of coverage.
6. The policy offers portability. You can switch your policy from other insurance providers to IFFCO Tokio.

Benefits

1. Provides pre-hospitalization and post-hospitalization expenses for 60 and 90 days respectively.
2. Get income tax benefits under section 80D of the Indian Tax Act, 1961.
3. Cashless hospitalization is available at over 4000 network hospitals across India.
4. Hassle free claim settlement done directly by IFFCO Tokio. No third party administrator is involved in the claim settlement process.
5. Offers Emergency Assistance Services at no additional cost.

Exclusions

Expenses incurred in pre-existing diseases before 48 months of the policy tenure is not covered. Expenses incurred in the treatment of mental diseases and HIV related conditions, cost of spectacles, contact lens and other hearing aids, maternity expenses, etc. are also not covered under this policy.