IFFCO Tokio Health Insurance Premium Chart [2026]

Overview

IFFCO Tokio does not use a single premium chart because rates vary by plan, age, sum insured, and family composition. However, its official rate tables show how premiums increase across different age and coverage slabs.

Individual Health Protector Premium Chart

This chart lists annual premiums for different age groups and sum insured options. Premiums generally rise as the insured member’s age and selected coverage increase.

Family Health Protector Premium Structure

For Family Health Protector, the premium is calculated separately for:

The eldest insured member, based on age and sum insured.
Each additional member, based on their individual age band.

Official Premium Rate Charts

You can download the latest rate charts for:

Individual Health Protector
Family Health Protector
Health Protector Plus

Use the IFFCO Tokio premium calculator to get a personalized quote that reflects your PIN code, medical history, family composition, add-ons, co-payments, and discounts.

Medical costs in India are climbing fast. That means the ₹10 lakh health cover that felt adequate two years ago may fall short sooner than you'd expect, and picking the right sum insured now matters more than ever.

This is exactly where an IFFCO Tokio Health Insurance premium chart becomes useful. Instead of guessing what you'll pay, you can look up the exact base rate for your age and cover amount straight from the insurer's own rate card.

This article discusses sample IFFCO Tokio Health Insurance premiums by age and sum insured, the factors that move your premium up or down, and IFFCO Tokio's claim settlement ratio and overall track record.

What Is the IFFCO Tokio Health Insurance Premium Chart?

The IFFCO Tokio Health Insurance premium chart is the insurer’s official rate table. These rates are included in the product documents filed with IRDAI during the approval process, so the figures are traceable to the insurer’s published documents rather than to third-party premium estimates. The chart shows the annual premium payable based on factors such as:

Your age or the age of the eldest insured member
The sum insured you choose
The number and age of family members covered
Whether the policy is purchased on an individual or family floater basis
The selected plan and coverage

IFFCO Tokio does not publish one common premium chart for all its health insurance policies. Each product has its own rate table, which may also contain separate pricing for the eldest family member and the additional members covered under the policy.

The main premium charts covered in this guide are:

Always refer to the latest policy prospectus or premium chart published on IFFCO Tokio’s official website before buying, as premiums, product terms, and rate structures may be revised periodically.

Sample IFFCO Tokio Health Insurance Premiums by Age and Sum Insured

Here's what the premiums look like for the Individual Health Protector plan for different age slabs and sum insured options.

Individual Health Protector Premium Chart

IFFCO Tokio Family Health Protector Premium Illustration

Premium for the Eldest Insured Member

The table below shows the annual premium for the eldest member covered under the IFFCO Tokio Family Health Protector plan. This amount forms the base premium for the family floater and varies according to the eldest member’s age and the chosen sum insured.

Premium for Each Additional Insured Member

The table in the image below shows the annual premium for each additional family member added to the same policy. The rate is calculated separately for each additional member based on their age and the selected sum insured.

CTA

Factors That Affect Your IFFCO Tokio Health Insurance Premium

Age of the Eldest Member

In a floater policy, the oldest person's age band drives the base premium, even if everyone else is much younger.

Sum Insured Chosen

A higher cover amount costs more, though the increase isn't always proportional across slabs.

Number of Members on the Floater

Each additional member adds their own Table B premium to the total.

Add-Ons Opted For

For example, in the Family Health Protector plan, Critical illness cover adds 30%, and room rent or ICU rent waiver adds a +6% increase to the base premium.

Co-Payment

Choosing a voluntary co-payment of 10% to 25% reduces your premium by the same percentage, but you'll bear that share of every claim.

Discounts

Direct online purchases, group mediclaim membership, women proposers, and existing IFFCO Tokio policyholders can each unlock a discount, capped at 15% cumulatively.

Claims History at Renewal

A 5% no-claim discount applies at renewal if you didn't file a claim in the expiring year, and redeeming reward points can lower renewal premiums further.

IFFCO Tokio Health Insurance Claim Settlement Ratio and Review

A premium chart only tells you what you'll pay, not what you're likely to get back at claim time. That's where the IFFCO Tokio Health Insurance claim settlement ratio comes into play.

Metric (Average, FY 2024-26)	IFFCO Tokio	Industry Average
Claim Settlement Ratio (CSR)	87.28%	92.02%
Incurred Claims Ratio (ICR) (FY 2023-25)	100.79%	81.88%
Complaints per 10,000 Claims	39.19	29.35
Annual Health Business	₹1,178 crore	₹4,504 crore

Source: This information is sourced from the IRDAI annual reports and IFFCO Tokio’s public disclosure. To learn more about these key performance metrics, you can refer to Ditto Data Lab.IFFCO Tokio General Insurance is a joint venture between the Indian Farmers Fertiliser Cooperative Limited (IFFCO) and Japan's Tokio Marine Group, operating in India since 2000. It's built a strong presence in tier-2 and tier-3 towns through its Bima Kendra network, which is worth knowing since it shapes both product pricing and where the insurer is easiest to deal with. For a deeper look at how the insurer performs on claims, read our full IFFCO Tokio Health Insurance review.

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IFFCO Tokio Health Insurance Premium Chart

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Conclusion

The IFFCO Tokio Health Insurance premium charts can help you compare premiums across age bands, sum insured options, and family compositions for Individual Health Protector, Family Health Protector, and Health Protector Plus. However, the lowest premium should not be the only factor guiding your purchase. Check the applicable rate for every insured member, review the policy’s coverage and exclusions, and confirm that your preferred hospitals are part of the cashless network.

In our view, IFFCO Tokio is a relatively small insurer with a below-average claim settlement ratio, a high incurred claims ratio, and more complaints than the industry average. Its health insurance portfolio is also not as comprehensive or feature-rich as those of some larger insurers. Therefore, use the premium chart to assess affordability, but compare the plan’s benefits and the insurer’s performance with stronger alternatives before making a final decision.

Frequently Asked Questions

Is IFFCO Tokio a good health insurer to consider despite being a smaller player?

IFFCO Tokio may suit buyers who find its premiums affordable and value its presence in tier-2 and tier-3 cities. However, it is a relatively small insurer, with annual health business of ₹1,178 crore. Its average claim settlement ratio of 87.28% is below the industry average of 92.02%. It also has a high incurred claims ratio, above-average complaint volume, a comparatively smaller hospital network, and a less comprehensive product portfolio than several larger insurers.

Why does IFFCO Tokio have a high incurred claim ratio compared to other general insurers?

IFFCO Tokio’s average incurred claims ratio was 100.79% for FY 2023-25, compared with the industry average of 81.88%. This means it paid slightly more in claims than it collected in health insurance premiums during the period. A high ratio may reflect its claims experience, customer mix, or existing premium rates. While this does not automatically indicate poor claim service, it is worth monitoring because sustained high payouts may contribute to future pricing or underwriting changes.

Is IFFCO Tokio Family Health Protector cheaper than Health Protector Plus for the same sum insured?

The two plans cannot be compared solely by their sum insured. Family Health Protector is a base health insurance policy that covers eligible hospitalization expenses from the first rupee, subject to policy terms. Health Protector Plus is a top-up policy that starts paying only after the selected deductible is crossed. Its premium may therefore appear considerably lower for the same coverage amount, but you will need a separate base policy or sufficient savings to cover expenses below the deductible.

Does IFFCO Tokio have a large hospital network for cashless treatment?

The IFFCO Tokio Health Insurance hospital list includes approximately 8,000 cashless hospitals. While this provides reasonable access across India, it is smaller than the 10,000-plus hospital networks offered by several leading insurers. Network size alone should not determine your decision. Check whether reputable hospitals near your home, workplace, and frequently visited cities are included in the policy before purchasing, as hospital empanelment can change over time.

What is IFFCO Tokio's typical complaint volume compared to other health insurers?

IFFCO Tokio recorded an average of 39.19 complaints per 10,000 claims, compared with the industry average of 29.35. Its complaint volume is therefore higher than the broader industry benchmark, rather than lower. This may indicate greater service or claims-related friction for some customers. However, complaint data should be assessed alongside the insurer’s claim settlement ratio, policy wording, hospital network, and support processes rather than being used as the sole measure of reliability.

Can I renew an IFFCO Tokio Health Insurance policy online after it has lapsed?

An active IFFCO Tokio Health Insurance renewal can generally be completed online using the policy number and registered customer details. However, a lapsed policy may not qualify for the standard online renewal process. The insurer may review how long the policy has remained inactive and could require fresh medical declarations, underwriting, or a new proposal. Contact IFFCO Tokio directly before making a payment, as delayed renewal may also affect continuity benefits and completed waiting periods.

Does IFFCO Tokio offer a no-claim bonus on renewal premiums?

Yes. Under Family Health Protector, policyholders can choose between a cumulative bonus and a no-claim discount, subject to the policy terms. The cumulative bonus increases the available sum insured after a claim-free year, while the no-claim discount reduces the base renewal premium by 5%. The insurer also allows eligible reward points to be used toward the renewal premium. Review both options carefully, since increasing your coverage may sometimes be more valuable than receiving a small premium reduction.

Last updated on: 26 Jul, 2026

IFFCO Tokio Health Insurance Premium Chart [2026]

Overview

What Is the IFFCO Tokio Health Insurance Premium Chart?

Sample IFFCO Tokio Health Insurance Premiums by Age and Sum Insured