IFFCO TOKIO Family Floater
IFFCO Tokio
7.4/10
OneAssure Rating
7.4/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
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
Includes modern procedures like robotic surgery, stem cell therapy, and high-intensity ultrasound, covered up to the sum insured.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Congenital diseases, genetic disorders, or birth-related abnormalities unless explicitly covered.
War, terrorism, nuclear contamination, or radiation-related injuries and treatments.
Exclusions
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
