IFFCO TOKIO Super Top Up
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.
Advanced Treatments
Covers robotic surgeries, stem cell therapy, and specialized procedures like stereotactic radiosurgery and bronchial thermoplasty under the sum insured.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
- 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.
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.
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.
Non-allopathic treatments unless covered under AYUSH benefits.
Experimental treatments, unapproved medical procedures, or treatments not recognized by Indian medical authorities.
Exclusions
Related Variants
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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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Frequently Asked Questions
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