• IFFCO Tokio Health Protector Policy

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    IFFCO Tokio Health Protector is a health insurance policy offered by IFFCO Tokio General Insurance Company. The policy offers medical coverage to you and your family caused due to surgery, hospitalization and organ transplantation etc. This health insurance policy enables you to include self, spouse, children, brother, sister, sister-in-law and brother-in-law, niece, nephew and any other relatives dependent on you under the same plan.

    IFFCO Tokio Health Protector: Key Highlights

    • The policy tenure is normally 1 Year. However, you can get it for short term basis as well.
    • Sum insured ranges from Rs.1, 50,000 to Rs. 5,00,000.
    • Offers 10% discount to customers holding any other insurance policy with IFFCO Tokio and 20% to IFFCO Tokio employees.
    • Offers portability by using which you can switch your policy from other insurance providers to IFFCO Tokio.
    • Get a free look period of 15 days.
    • Renewability is available. There is no limit for renewal of the policy.
    • Includes inpatient hospitalization.
    • Medical screening is required for individuals belonging to the age group of 45-55 and 55-65. Different medical tests are required for different age groups.
    • Minimum entry age for this policy is 18 years and maximum age is 65 years.
    • Children can be covered from the day one itself.

    Benefits of IFFCO Tokio Health Protector:

    • Offers daily allowances of 0.20% during hospitalization.
    • Offers ambulance charges of 1% of the total sum insured or Rs.2500, whichever is less.
    • Pre-hospitalization is covered for a maximum period of 45 days and post-hospitalization for a period of 60 days.
    • Get 5% of the basic sum insured as cumulative bonus at next renewals followed by a claim free year. Cumulative bonus is subject to a maximum of 50% of the basic sum insured. In case of a claim made during the policy tenure, the existing cumulative bonus will be reduced by 5%.
    • 121 daycare surgical procedures are covered without 24 hours of hospitalization.
    • Hospitalization expenses is covered, even if it is less than 24 hours. But, it should be more than 12 hours.
    • Cost of health-checkup is included under the policy.
    • The basic sum insured in the policy can be restored or reinstated by paying appropriate premiums to the insurance provider. However, the reinstatement of basic sum insured will not be applicable for cumulative bonus, domiciliary hospitalization, Critical Illness Extension cover, Ayurveda, Homeopathic and certain chronic disease etc.
    • The policy covers vaccinations expenses.
    • Includes provision for senior citizens.
    • The policy also offers Emergency Assistance Services which include a number of value added services at no additional cost. It includes emergency medical assistance and emergency personal services to the insured individual.
    • Provides income tax benefits under section 80D of the Indian Tax Act, 1961.
    • Enjoy hassle free claims settlement procedure.
    • Enjoy cashless claim facility available at over 4000 network hospitals spread across India.

    Policy Cover:

    • Covers room rent expenses during hospitalization
    • Hospital registration and service charges are included.
    • Covers nursing expenses during hospitalization on request from the medical practitioner for specified period
    • Surgeon, anesthetist, medical practitioner, consultant and specialist’s fee is covered.
    • Ayurveda, Homeopathy, Unani and Sidha hospitalization expenses are covered up to a specified limit.
    • Cost of Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Radiotherapy, Pacemaker, Dialysis, Chemotherapy Artificial Limbs and Organs is covered.
    • Domiciliary hospitalization is covered up to a maximum aggregate sub-limit of 20% of the basic sum insured.

    Critical Illness Covered:

    • First heart attack of specified severity.
    • Cancer of certain severity.
    • Open chest CABG.
    • Open heart replacement/ repairing of heart valves
    • Coma of specified severity.
    • Renal failure demanding regular dialysis.
    • Stroke leading to permanent damage.
    • Major organ transplantation.
    • Bone marrow transplantation.
    • Permanent paralysis of limbs.
    • Motor neuron disease with permanent symptoms.
    • Multiple sclerosis with permanent symptoms.

    Major Exclusions:

    Mentioned below are a number of medical conditions not covered by IFFCO Tokio Health Protector Plan:

    • Cost incurred in spectacle, contact lens and other hearing aids.
    • Neuropathy treatment cost.
    • Dental surgery or treatment cost, unless it needs hospitalization.
    • Travel and transportation expenses are not covered, except for ambulance service charges.
    • Maternity expenses.

    Find cashless network hospitals nearby: IFFCO Tokio Cashless Network Hospitals

    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 Protector Policy Reviews

  • Page 1 of 4 1 2 3 4
    • 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
    • review Health Insurance
      "Great Insurance"
      0.5 3.5/5 "Pretty good"
      Iffco Tokio have given me a Health coverage of Rs.25 Lakhs for my complete family.. The Insurance lasts for 5 Generations. I have been in this Health Insurance for the past 4 years. I took it because it had a collaberation with Apollo. Claims experience is sometimes difficult though over here.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 07, 2018
    • review Health Insurance
      "Claim Experience has been good"
      0.5 4.0/5 "Great!"
      This is a company provided Health Insurance and they have given me a coverage of Rs.4 Lakhs. The number of network hospital are more. The claim experience with them has been very good. The Cashless options with them is quite good too. They have been very good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 06, 2018
    • review Health Insurance
      "Claim Experience has been good"
      0.5 5.0/5 "Blown Away!"
      This was the previous Insurance I had. And I felt it was a very good one that I had. They offered me a coverage of Rs.2.5 Lakhs and the number of hospitals in this Insurares are very high. The claim experience over here is pretty good and easy too.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 20, 2017
    • 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
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