How does the waiting period affect my coverage?

IFFCO Tokio Individual Health Insurance covers pre-existing diseases after a 4-year waiting period.

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

This policy offers a cumulative bonus, increasing the sum insured by 10% per claim-free year.

Will my health insurance cover treatment abroad?

IFFCO Tokio Individual Health Insurance does not cover medical treatments received outside India.

What distinct high-value sum insured options can applicants select under this Individual Health configuration layout?

The policy incorporates a flexible financial protection architecture designed for comprehensive single-profile medical safety, allowing applicants to select their core sum insured across versatile parameters up to ₹50 Lakhs or extending up to ₹1 Crore layout.

Under what parameters can policyholders choose a cost-sharing model to modify their annual premiums?

The plan provides an optimized premium framework that eliminates individual out-of-pocket stress on covered claims, ensuring that under this specific baseline configuration no co-payment is required layout.

OneAssure

Health Insurance

IFFCO Tokio

Individual Health Protector

IFFCO TOKIO Individual Health Insurance

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

7.8

Customer Rating

Policy Policy Wording

Get a Quote

95.82

Claim Settlement Ratio

8000

Network Hospitals

7.8

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: IFFCO Tokio Health Insurance

Final Verdict

Iffco Tokio’s Individual Health Insurance Plan offers comprehensive coverage with flexible sum insured options and affordable premiums. Ideal for individuals seeking reliable protection, it includes optional add-ons for critical illnesses and maternity care.

About

About IFFCO Tokio Health Insurance

Iffco Tokio’s Individual Health Insurance Plan offers comprehensive medical coverage, ensuring financial security during health emergencies. It covers hospitalization, pre- and post-hospitalization expenses, day-care procedures, ambulance charges, and domiciliary treatment. The plan provides cashless treatment at network hospitals and reimbursement options for non-network facilities. It includes lifelong renewability, tax benefits under Section 80D, and optional add-ons like critical illness cover. With affordable premiums and flexible sum insured options, this policy is ideal for individuals seeking reliable health protection.

Iffco Tokio’s Individual Health Insurance Plan offers comprehensive medical coverage, ensuring financial security during health emergencies. It covers hospitalization, pre- and post-hospitalization expenses, day-care procedures, ambulance charges, and domiciliary treatment. The plan provides cashless treatment at network hospitals and reimbursement options for non-network facilities. It includes lifelong renewability, tax benefits under Section 80D, and optional add-ons like critical illness cover. With affordable premiums and flexible sum insured options, this policy is ideal for individuals seeking...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of IFFCO Tokio Insurance Company Limited

AYUSH Treatment

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

Room Rent

Normal: Covers up to Chosen Sum Insured.
ICU: Covers up to Chosen Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Co-payment

No co-payment is required.

Cashless Healthcare Providers

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

Daycare Treatment

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

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.

AYUSH Treatment

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

Room Rent

Normal: Covers up to Chosen Sum Insured.
ICU: Covers up to Chosen Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Exclusions

Pre-existing diseases are covered only after the waiting period.
Cosmetic treatments, including plastic surgery unless medically necessary.
Self-inflicted injuries, including suicide attempts or substance abuse.
Dental and vision care, unless required due to accidental injury.
Injuries or illnesses caused by war, terrorism, or nuclear exposure.

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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...

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...