Iffco Tokio
Individual Health Protector
The Iffco Tokio Individual Health Protector plan offers health coverage with sum insured options up to ₹20 lakhs, catering to individuals and families. It features no co-payment, unlimited restoration of sum insured, and no room rent restrictions [for SI 5L and above], allowing policyholders to choose any hospital room. The plan also covers ambulance charges [charges 1% of the sum insured or Rs. 2500, whichever is less for each hospitalization] and pre-post hospitalization cover [60-90 days respectively]. Additional benefits include wellness programs and free health check-ups [offered based on Sum Insured — every 2 claim-free years for up to ₹5L, every claim-free year for ₹5–10L, and annually irrespective of claims for above ₹10L].
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won ’t nitpick on your choice of room since the policy has no restrictions on room rent.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Gym perks are included in this policy
Gym perks are included in this policy.
What's okay here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Modern Treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Your insurance cover won’t be fully available in case you are treated for Modern Treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Free Health Checkups every 2 years
If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the insurer will cover the costs.
Consumables aren't covered in this policy
Consumables aren't covered in this policy.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 25% each year, so long as you make no claims during this period. But you get this exorbitant benefit only for 1 year. After this, it will grow at 10% each year. And they’ll keep growing until your bonus cover tallies up to 100% of the sum insured. So if you start with a cover of ₹100. Then it’ll keep growing till it reaches ₹200.
Some coverage if you are forced to hospitalize at home
The insurer will pay up to 20% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Frequently Asked Questions
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