IFFCO Tokio Health Insurance was incorporated on 4th December 2000. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and the Tokio Marine and Nichido Fire Group (which is also the largest listed insurance group in Japan). Apart from Health insurance, IFFCO Tokio General Insurance offers products like Motor Insurance, Life Insurance and etc. With a great boost in growth in year 2001-2011, IFFCO Tokio General Insurance is the leader of health insurance market.
On IFFCO Tokio Official Website
Updated: 29-05-2024 05:23:52 PM
Claims Ratio | 82.89% |
Renewability | Lifetime |
Network Hospitals | 4200+ |
Waiting Period | 3 years |
Grievances Solved | 98.47% |
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.
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
Entry Age | 18 years to 65 years. |
Pre/Post-hospitalisation expenses | Up to 45 days and 60 days |
Day care procedures | 121 days |
Sum Assured | Rs. 1, 50,000 to 5,00,000 |
No-claim bonus | 5% to 50% |
Exclusions of 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.
Basically, there are two ways by which a policyholder can claim IFFCO Tokio Health Insurance Policy-
Cashless Claim
Reimbursement Claim
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.
A policyholder can claim the IFFCO Tokio Health Insurance policy as many times as he/ she wants. However, the policyholder will not be covered for any costs of medical expenses if the basic sum insured has been exhausted.
Domiciliary hospitalization refers to the medical treatment that an individual receives at home, which should have otherwise been treated in a hospital but was not done due to some specific, covered reasons. Yes! IFFCO Tokio Health Insurance Policy offers the domiciliary hospitalization benefit.
Yes! As per the guidelines by IRDA, customers and policyholders you can transfer the IFFCO Tokio Health Insurance Policy plans from one insurance company to another without losing the renewal benefits.
The premium for your IFFCO Tokio Health Insurance plan depends on a variety of factors including: –
Generally, health insurance policies do not cover maternity/pregnancy. However, the group health insurance plans offered by employers do cover maternity and/ or conditions.
Add-on covers are the additional covers that come alongside a standard health insurance policy and can be purchased by the buyer on payment of extra premium. The add-on covers enhance the coverage of the basic insurance plan.
You can pay your IFFCO Tokio Health insurance premium by –
Following documents are required to buy Health Insurance Plan-
The benefit of the IFFCO Tokio Health Insurance network hospitals is the cashless treatment of the policyholder.
Every new policy for IFFCO Tokio Health Insurance Policy comes with a free-look period of 15 days. During this period of 15 days, the policyholder is free to cancel the policy for any issues that he/ she may have with the terms and conditions.