IFFCO TOKIO Individual Health Insurance
IFFCO TOKIO General Insurance Company Limited
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
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
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.
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
Critical Illness Cover - Additional coverage for life-threatening diseases.
Hospital Daily Cash - Fixed daily cash allowance during hospitalization.
Personal Accident Cover - Compensation for accidental death or disability.
Maternity and Newborn Cover - Expenses for childbirth and newborn care.
AYUSH Treatment Cover - Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments.
Add-ons
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 was established in 2000,it is a joint venture between the Indian Farmers Fertiliser Co-operative Limited (IFFCO) and Japan's Tokio Marine Group, with IFFCO holding a 51% stake and Tokio Marine 49%.
The company offers a diverse range of insurance products, including health insurance plans tailored for individuals and families. Their health insurance policies provide comprehensive coverage with sum insured options up to ₹1 crore, access to over 7,000 network hospitals across India, and benefits such as pre-hospitalization coverage (usually 60 days), post-hospitalization coverage (usually 90 days), and no pre-policy medical tests for applicants up to 60 years of age.
Additionally, they offer wellness benefits and a simple claim process, aiming to deliver peace of mind and financial security during medical emergencies.
MD and CEO of IFFCO Tokio insurance, Mr Subrata Mondal aims to make insurance accessible and affordable to a larger crowd by offering simpler claim processing and extensive coverage.
About the Company
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