IFFCO TOKIO Individual Health Insurance Plan

IFFCO TOKIO Individual Health Insurance Plan


Highlights For

Individual Health


No Medical Check-ups


COVID-19 coverage

Daily Allowance

product highlights for Individual Health Insurance



Pre-Hospitalisation : 60 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 90 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : 36 Months

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 24 months

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 48 months

Listed specific illness

Waiting Period- PED : 36 Months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Upto SI

Room rent for in-patient hospitalisation

ICU Charges : Upto SI

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : Yes

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Yes

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : Yes every claim free year

% of the sum insured that rises every claim free year.

Video/telephone consultation : Yes

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Yes

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : 1% of Sum Insured or ₹ 2500, whichever is less

Transportation of the patient to the hospital and back home

Convalescence benefit : Yes

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : No

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : No

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Yes

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments


Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : No

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : No

All advanced treatment with upgrade in technology.

Health Management/ Wellness : Yes

Benefits provided for staying fit and managing health

Maternity Benefit : No

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.