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.

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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

Get a Quote

95.82

Claim Settlement Ratio

8000

Network Hospitals

7.8

Customer Rating

Our Verdict

Expert Review: IFFCO Tokio Health Insurance

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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...

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.

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.

Cashless Healthcare Providers

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

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.

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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.
Pregnancy-related expenses unless covered under maternity add-ons.
Unproven, experimental, or non-standard medical treatments.
Treatment for injuries sustained during hazardous activities or adventure sports.

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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...