How does the waiting period affect my coverage?

The policy has a 30-day initial waiting period, 24 months for specific diseases, and 48 months for pre-existing conditions.

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

This policy does not offer a no-claim bonus, but coverage remains active as per policy terms.

Will my health insurance cover treatment abroad?

The policy does not provide coverage for medical treatments outside India.

How is a super top-up plan different from a regular top-up plan?

A super top-up covers multiple claims in a year, unlike a regular top-up.

What is a deductible, and how does it impact coverage?

Deductible is the amount you pay before insurance coverage begins.

OneAssure

Health Insurance

IFFCO Tokio

Super Top Up

IFFCO TOKIO Super Top Up

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 Super Top-Up Health Insurance offers high-value coverage with flexible deductibles and no co-payment, ideal for individuals seeking extra protection beyond their existing health plan, but with waiting periods for certain benefits.

About

About IFFCO Tokio Health Insurance

IFFCO-TOKIO’s Super Top-Up Health Insurance plan provides additional coverage beyond a chosen deductible, ensuring financial protection against high medical expenses. It covers hospitalization costs, day-care procedures, advanced treatments, and AYUSH treatments. The policy includes a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases. No co-payment is required. Cashless treatment is available at network hospitals. This plan is ideal for individuals seeking cost-effective, high-value coverage above their existing health insurance policy.

IFFCO-TOKIO’s Super Top-Up Health Insurance plan provides additional coverage beyond a chosen deductible, ensuring financial protection against high medical expenses. It covers hospitalization costs, day-care procedures, advanced treatments, and AYUSH treatments. The policy includes a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases. No co-payment is required. Cashless treatment is available at network hospitals. This plan is ideal for individuals seeking cost-effective, high-value coverage above their existing health...

Inclusions and Exclusions

Inclusions and Exclusions of IFFCO Tokio Insurance Company Limited

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
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.

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.

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
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.

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Exclusions

Pre-existing diseases not covered during the waiting period.
Illnesses occurring within the first 30 days of policy inception, except accidents.
Cosmetic or plastic surgery unless required due to an accident or medical necessity.
Injuries or illnesses caused due to self-inflicted harm, suicide attempts, or substance abuse.
Treatment for HIV/AIDS and other sexually transmitted diseases.
Expenses related to weight loss or obesity treatments, including bariatric surgery.
Infertility treatments, assisted reproduction, or contraceptive surgeries.
Injuries due to participation in 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...