How does the waiting period affect my coverage?

The plan includes a 30-day initial waiting period, 48 months for pre-existing diseases, and up to 24 months for specific conditions.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, you may receive a No Claim Bonus, increasing your sum insured without additional premium costs.

Does the Family Floater Health Insurance plan cover treatment abroad?

The Family Floater Health Insurance primarily covers treatments within India and does not include international coverage under the standard policy.

OneAssure

Health Insurance

IFFCO Tokio

Family Health Protector

IFFCO TOKIO Family Floater

Experience India's most trusted health insurance with IFFCO Tokio Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

95.82

Claim Settlement Ratio

8000

Network Hospitals

7.4

Customer Rating

Get a Quote

95.82

Claim Settlement Ratio

8000

Network Hospitals

7.4

Customer Rating

Our Verdict

Expert Review: IFFCO Tokio Health Insurance

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Final Verdict

IFFCO Tokio Family Floater Health Insurance provides comprehensive family coverage with add-ons like critical illness, maternity, and global treatment. Ideal for families seeking flexible, inclusive, and affordable health protection.

About

About IFFCO Tokio Health Insurance

The IFFCO Tokio Family Floater Health Insurance plan is designed to provide comprehensive medical coverage for the entire family under a single sum insured. It covers hospitalization expenses, pre and post-hospitalization costs, daycare procedures, ambulance charges, and domiciliary treatments. The plan ensures financial security by offering cashless treatment at a wide network of hospitals. With flexible sum insured options, tax benefits, and optional add-ons for enhanced protection, this policy is an ideal choice for safeguarding your family’s health and well-being.

The IFFCO Tokio Family Floater Health Insurance plan is designed to provide comprehensive medical coverage for the entire family under a single sum insured. It covers hospitalization expenses, pre and post-hospitalization costs, daycare procedures, ambulance charges, and domiciliary treatments. The plan ensures financial security by offering cashless treatment at a wide network of hospitals. With flexible sum insured options, tax benefits, and optional add-ons for enhanced protection, this policy is an ideal choice for safeguarding...

Inclusions and Exclusions

Inclusions and Exclusions of IFFCO Tokio Insurance Company Limited

Room Rent

The IFFCO Tokio Family Floater Health Insurance plan allows policyholders to opt for any hospital room without specific sub-limits on room rent. ICU charges are also covered up to the sum insured

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The IFFCO Tokio Family Floater Health Insurance plan typically does not have a mandatory co-payment for most policyholders.

Waiting Period

Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.

Daycare Treatment

Coverage for medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.

AYUSH Treatment

Expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Cashless Healthcare Providers

Access to an extensive network of over 5,000 hospitals across India for cashless treatment.

Room Rent

The IFFCO Tokio Family Floater Health Insurance plan allows policyholders to opt for any hospital room without specific sub-limits on room rent. ICU charges are also covered up to the sum insured

Advanced Treatments

Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.

Co-payment

The IFFCO Tokio Family Floater Health Insurance plan typically does not have a mandatory co-payment for most policyholders.

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Exclusions

Pre-existing diseases are not covered until the completion of the specified waiting period.
Any illness diagnosed or treatment received within the first 30 days of policy inception, except for accidents.
Injuries or illnesses caused due to self-inflicted harm, suicide attempts, or substance abuse.
Treatment for cosmetic or aesthetic procedures unless required due to an accident or medically necessary.
Expenses related to dental, hearing, and vision treatments unless specified in the policy.
Any medical treatment received outside of India unless covered under a specific add-on.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Treatment related to infertility, sterility, or assisted reproductive procedures like IVF.

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About the company

IFFCO Tokio General Insurance Company Limited, established in 2000, is a leading private insurer in India. It is a joint venture between IFFCO and Tokio Marine Group of Japan. The company offers a wide range of health insurance plans for individuals and families.
You can choose sum insured options up to ₹1 crore. With a network of over 8,000 hospitals, policyholders can avail cashless treatment, making claims easier during medical emergencies.
Known for its customer-focused approach, IFFCO Tokio ensures quick and smooth claim settlements. With 24/7 support, it is a trusted choice for people seeking reliable and comprehensive health insurance in India.

IFFCO Tokio General Insurance Company Limited, established in 2000, is a leading private insurer in India. It is a joint venture between IFFCO and Tokio Marine Group of Japan. The company offers a wide range of health insurance plans for individuals and families. You can choose sum insured options up to ₹1 crore. With a network of over 8,000 hospitals, policyholders can avail cashless treatment, making claims easier during medical emergencies. Known for its customer-focused...