• IFFCO Tokio Individual Medishield Policy

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Individual Medishield is a health insurance policy offered by IFFCO Tokio General Insurance Company. With this policy, you can get cashless hospitalization in more than 3000 network hospitals of the company spread across the country. The policy reimburses your expenses incurred in pre-hospitalization and post-hospitalization.

    Features & Benefits of IFFCO Tokio Individual Medishield:

    Entry Age The policy offers coverage for persons between the ages of 3 months to 80 years. Children between the ages of 3 months to 5 years can also be covered under this policy, provided both parents are covered under the same policy.
    Basis Individual
    Medical Screening Medical checkup is not required up to 45 years. Beyond 45 years, pre-acceptance medical tests like Blood Sugar, ECG and Urine needs to be done for fresh and break coverage. For individuals beyond 55 years, additional medical tests are required for fresh and break coverage.
    Renewability Renewability is available. You can renew it online as well. However, the policy needs to be renewed within the expiry date or within a grace period of 30 days from the date of expiry.
    Special Features
    • All resident individuals are covered.
    • Treatment shall be available only in India.
    • Includes provision for Family Package cover with discount on premiums.
    • Hospitalization needs to be done for a minimum of 24 hours.
    • Ayurvedic and Homeopathic hospitalization treatments are also covered under this policy.
    • The optional Critical Illness Extension cover can be taken under this policy by paying an extra 30% on the basic premium.
    • The policy will automatically terminate upon the death of the insured person and upon exhaustion of the limit of coverage.
    Sum Assured Total ten sum insured options are available under this policy for your benefit. Sum insured ranges from Rs.50, 000 to Rs.5,00,000.
    Premium Premiums vary based on the basic sum insured and age of the insured individual. Premium rates are same at all cities in India, except for Gujarat, where it is different.
    Discount
    • A discount of 5% is given to Family Package cover, if two persons are covered. If more than two person are covered, discount becomes 10%.
    • Also, a special premium discount is offered under this policy, if the insured person has taken his/her Motor Two Wheeler Insurance policy with IFFCO Tokio.
    Benefits
    • Get a digitally signed copy of the policy document immediately after purchase.
    • Income tax benefit under section 80D of the Indian Income tax Act, 1961, is available to the main proposer.
    • No provision for any excess payment or co-payment under this policy.
    • Pre-existing disease exclusion is applicable for the initial 3 to 4 years only.
    • Hassle free claim settlement procedure. No third party administrator is involved.
    • Offers portability.
    • Unique add-on cover available for the Critical Illness Extension cover under this policy.
    • Value added services offering emergency medical and personal assistance services for the insured person undertaking medical travel.
    Policy Cover
    • Hospitalization expenses incurred for treatment of physical disease or injury during the policy period.
    • Room rent and ICU charges are covered up to a specified limit.
    • Registration, service charges and surcharges are covered up to a maximum of 0.5% of the basic sum insured.
    • Nursing expense during pre and post hospitalization periods is covered.
    • Surgeon, anesthetist, consultant’s fee is covered.
    • Cost of medicines, blood, oxygen, anesthesia, diagnostic and pathological tests, operation theatre charges, cost of chemotherapy, dialysis, pacemaker, artificial limbs etc. is covered.
    • Ambulance charges are covered up to 1.0% of the basic sum insured. It is subject to a maximum Rs 1,500.
    • Daily allowance is covered up to a maximum Rs. 250 per day during hospitalization.
    • Domiciliary hospitalization expenses are covered.
    • Pre and post-hospitalization expenses are covered for a maximum period of 60 days each.
    • Hospitalization expenses covered for person donating organs during an organ transplantation of the insured person.
    • Health check-up cost is covered once at the end of 4 claim free years.
    • Covers prescribed package charges of hospitals for specific treatments.
    Bonus Cumulative bonus of 5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal.
    Exclusions Any pre-existing disease for a period of 3 years is not covered. Cost spent in spectacles, contact lens or other hearing aids, dental treatment expenses, cost of external medical equipment are not covered under this policy.

    Find cashless network hospitals nearby: IFFCO Tokio Cashless Network Hospitals

    Other Health Insurance Plans from IFFCO Tokio:

    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 Individual Medishield 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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