IFFCO Tokio Health Insurance

  • Home
  • Insurance
  • IFFCO Tokio Health Insurance

Health Insurance

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.

Apply Now

On IFFCO Tokio Official Website

Untitled design (10)

Updated: 29-05-2024 05:23:52 PM

Highlights of IFFCO Tokio Health Insurance

Claims Ratio 82.89%
Renewability Lifetime
Network Hospitals 4200+
Waiting Period 3 years
Grievances Solved 98.47%

Why Go For 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.

Types of Future Generali Health Insurance

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
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

  • 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.

Renewal of IFFCO Tokio Health Insurance

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.

Claim Process of IFFCO Tokio Health Insurance

Basically, there are two ways by which a policyholder can claim IFFCO Tokio Health Insurance Policy-

Cashless Claim

  • In this condition, the policyholder has to inform the insurance company for at least 3 days before admission.
  • This facility can be availed only at the network hospitals. For unplanned hospitalisation, the policyholder has to inform the insurance company upon the admission via their toll-free customer helpline number.
  • The policyholder has to report at the TPA desk of the hospital along with IFFCO Tokio Health Insurance Policy Health Card, a Photo ID card and the investigation reports and complete the pre-authorisation form at the hospital claim desk.
  • The letter will be sent to the claim management team for authorisation and they have authority to cross questioning the hospital for the same.
  • Approval for the cashless claim will be sent within a period of 24 hours of the receipt of the required documents.
  • In case the authorization is rejected by the team then the policyholder has to pay the amount and pay to initiate the treatment and file then file for reimbursement claim.

Reimbursement Claim

  • The policyholder can apply for reimbursement claim at the non – network hospital and if the cashless claim is rejected.
  • One has to complete the necessary information in the reimbursement form.
  • Then the required documents such as discharge summary, prescription etc will be sent along with the form.
  • An approved letter will be received from the claim management team if everything is a place.
  • A policyholder can request reimbursement within a period of 7 days of discharge.

IFFCO Tokio Health Insurance at a Glance

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.


View and improve your credit score -
for free.

  • Know how good your score is
  • Get insights on how to improve it
  • Unlock offers as per your score
Evaluate Now


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: –

  • Your age
  • Previous medical History
  • Existing Medical Conditions
  • Optional Critical Illness covers
  • Optional Additional benefits
  • Claim free years
  • Your financial history
  • Your occupation and residential area

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 –

  • Auto-deduction from your bank account
  • In the form of cash or cheque deposit
  • Online payment by credit card, debit card or by net banking

Following documents are required to buy Health Insurance Plan-

  • Any ID proof such as PAN card, Adhaar card, Passport, Voter ID etc.
  • Age proof and address proof such as a copy of driving licence, Voter ID card, birth certificate, school leaving certificate and etc.
  • Three passport size photos
  • Any medical document if specified and mandatory if you are above certain age and need to undergo some medical checkups before some policy is issued to you.

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.