IFFCO TOKIO Individual Health Insurance
IFFCO Tokio
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Covers normal and ICU room charges up to the chosen sum insured, ensuring hassle-free hospitalization.
Co-payment
No co-payment required, ensuring policyholders receive full coverage without additional out-of-pocket expenses beyond the chosen deductible.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
- Normal: 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.
- Initial Waiting Period: 30 days from policy inception, excluding accidents.
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.
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.
Congenital diseases and conditions present from birth.
Expenses related to HIV/AIDS and other sexually transmitted diseases (STDs).
Exclusions
Related Variants
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
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