IFFCO Tokio Health Insurance

How many times did you cancel your outing with friends just because you had to go on a walk or go to the gym? How much time did you check the number of green vegetables in your everyday meal? The answer that you will get is – rarely (which is by most of us), sometimes (by few of us), regularly (only 1 or 2). We all are so busy in our life that whenever it is about compromising something for our health we find it so hard, but when it’s about sacrificing good health routine for some fun, we hardly bother.

A healthy body is a house of Healthy brain. But, do you think a body feeding just on junk can feed the healthy brain? No, it can only feed the brain with medicines and medical treatment. First we are careless for our health and secondly, we are careless for health protection and safety cover. Have you ever thought if the doctor will prescribe you bed rest for a month, then who will feed and take care of you and your family?

How your treatment proceeds will if you do not have anything in your savings and if something happens to you then who will feed your family in case if you are the bread earner of the family. This all seems to be a harsh imagination but, it is practical to be ready from your end for any such harsh conditions. Nowadays there are various insurance like life insurance, home insurance, travel insurance, motor insurance and for assistance and taking care of policyholder during hospitalisation and other medical treatment, there is Health insurance.

With the emerging time, Health insurance is emerging as a very important part of modern lifestyle. And among all health insurances from which the market is flooded, one of the most remarkable health insurance is the IFFCO Tokio Health Insurance.

IFFCO Tokio Health Insurance seems to be the best health insurance company among all other competitors. The company is offering a wide range of healthcare products to deal with different needs. All plans comes out with unique features and that too at affordable prices.

IFFCO Tokio Family Health Protector Policy

Family is an integral part of our life. No matter what we plan for our today and tomorrow, we keep our family in mind. Each member of the family is equally important to us. There are many factors that enhance the chances of health problems such as changing lifestyle habits, food contamination, sedentary living, increasing pollution level, and much more.

All these factors increase the chances of health issues and various diseases make a home in the body of the person. Above all this, increasing the cost of hospital treatment makes the situation worse. Then, what to do? Health insurance becomes a must buy for the safety and a systematic expense flow during hospitalisation of your family members.

But, during burying a health Insurance plan, it is very difficult to decide what safety is required by who as everyone has a different requirement. IFFCO Tokio Family Health Protector Policy helps the customer to save the whole family with the best medical treatment assistance along with the benefit such as affordable premium amount.

Benefits and Features of IFFCO Tokio Family Health Protector Policy

• Under the IFFCO Tokio Family, Health Protector Policy pre-hospitalisation for 45 days and post hospitalisation charges for 60 days are cover.
• IFFCO Tokio Family Health Protector Policy covers the hospitalisation expenses such as hospitalisation treatments, surgery, any organ transplantation and etc.
• IFFCO Tokio Family Health Protector Policy offer cover for the spouse and dependent parent and children; brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation of the policyholder who is dependent or relatives living together.
• IFFCO Tokio Family Health Protector Policy offers ambulance charges for Up to 1% of the amount insured up to max. Rs. 2500/-.
• Many people still believe in treatments apart from allopathic medicines, IFFCO Tokio Family Health Protector Policy covers various types of expenses for treatment under traditional healing sciences which include Ayurvedic, Unnani, Homeopathy, and Sidha.
• IFFCO Tokio family Health Protector Policy offer121 day’s day care cover in which the policyholder doesn’t require to be admitted to hospital for more than 24 hours.
• IFFCO Tokio Family Health Protector Policy offer Cumulative bonus which is increased by 5% of basic sum insured at each renewal up to max 50% of the basic sum insured of the expiring policy
• IFFCO Tokio Family Health Protector Policy offer Mediclaim Policy coverage in which benefits like Room Rent Expenses, Nursing Expenses, Doctor Expenses, Diagnostic Expenses, Room, Boarding and Nursing charges and etc are covered.
• IFFCO Tokio Family Health Protector Policy also offers Critical Illness covering which the policyholder only need to pay 30% above the basic premium to avail double the sum insured for any of the named critical illness in his/her health insurance policy. Following critical illness are covered under the IFFCO Tokio Family Health Protector Policy critical illness cover –
• 1. Open Chest CABG (Coronary artery bypass grafting)
  2. Multiple sclerosis with persisting symptoms
  3. Major Organ /Bone Marrow Transplant
  4. First Heart Attack – of specified severity
  5. Motor neurone disease with permanent symptoms
  6. Cancer of specified severity
  7. Permanent Paralysis of Limbs
  8. Open Heart Replacement or Repair of Heart Valves
  9. Kidney Failure Requiring Regular Dialysis
  10. Stroke Resulting in Permanent Symptoms
  11. Coma of specified severity

Exclusions of the IFFCO Tokio Family Health Protector Policy

• Any harmful action like suicide attempt that causes harm to the policyholder directly or indirectly is not covered.
• Any loss or injury that is caused due to any type of war, riots or terrorism is not covered under the IFFCO Tokio Family Health Protector Policy.

It is very easy and simple to buy Future Generali Health Insurance online in following few steps-

01 : You have to Visit the official website of the IFFCO Tokio health insurance.
02 : You will see a ‘Product’ button, click on the same.
03 : You have to choose and enter your product out of four products mentioned in the menu
Individual Health Protector (IHP), Family Health Protector (FHP), Individual Medishield (IMI), Swasthya Kavach Policy (SKP).

04 : Then you have to fill your health insurance policy number, your first and last name.
05 : Also, this is your golden chance to add on different cover to your insurance policy required. Hence you can look for some additional covers to improve your IFFCO Tokio health insurance coverage.
06 : Fill in the necessary details, carefully. You will get to know the premium for renewal.
07 : Pay the required amount of premium by credit/ Debit card or net banking, as per your convenience and renew your IFFCO Tokio health insurance policy.

Note: The IFFCO Tokio Health Insurance Policy must be renewed within the expiry date or if missed then it should be renewed within the maximum of 30 days of the expiry date. If policyholder misses doing the same then the continuity benefits such as pre-existing disease exclusion, cumulative bonus earned, 30 days waiting period and first-year disease exclusions, will not be granted to him/ her. Any IFFCO Tokio Health Insurance Policy which is purchased after 30 days will be treated as a fresh cover, and we will not be liable to pay any claims occurring within the first 30 days of the renewal date of the Mediclaim for the family.

IFFCO Tokio Health Insurance is one of the best general insurance companies in India and ruling the insurance market for over 15 years. There are millions of loyal customers of IFFCO Tokio Health Insurance who enjoy the reputed and the best quality experience with their insurer. While buying any item online, there is a dilemma of genuinely good product and consumer find it hard to choose where to trust and where not. IFFCO Tokio Health Insurance offers transparency to all online services and assists the customer.

Along with the online assistance, IFFCO Tokio Health Insurance is also accessible by offline channels like agents, brokers and branches. IFFCO Tokio Health Insurance has a smooth and prompt claim settlement process where customers get assistance by a dedicated customer care team 24 * 7. Policyholder enjoys benefit from cashless claim to reimbursement claim at IFFCO Tokio Health Insurance. It is one of the most customer tailored health insurance policies offered to the insured.