What does IFFCO Tokio Health Insurance Coverage include?

IFFCO Tokio Health Insurance Coverage includes hospitalisation, day-care procedures, AYUSH treatments, ambulance charges, and pre- & post-hospitalisation expenses depending on the plan selected.

Does IFFCO Tokio cover pre-existing diseases?

Yes, pre-existing diseases are covered after completing the applicable waiting period, which varies by plan variant.

What are the key IFFCO Tokio Health Insurance benefits?

Core benefits include cashless treatment, no-claim bonus, organ donor expenses, modern treatment coverage, and optional add-ons for enhanced protection.

Are AYUSH treatments covered under IFFCO Tokio Health Insurance?

Yes, AYUSH treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the limits specified in the policy.

Does the plan provide coverage for day-care procedures?

Yes, IFFCO Tokio covers a wide range of day-care procedures that do not require 24-hour hospitalisation.

Is maternity coverage available?

Maternity benefits are available in specific plans like Gold and Platinum variants after completing the applicable waiting period.

Does IFFCO Tokio offer a No-Claim Bonus (NCB)?

Yes, policyholders receive an NCB for every claim-free year, which increases their sum insured without extra premium.

What is not covered under IFFCO Tokio Health Insurance Coverage?

Exclusions include cosmetic surgery, self-inflicted injuries, HIV/AIDS (unless specified), and treatment outside policy terms or waiting periods.

Does the plan cover ambulance charges?

Yes, emergency ambulance expenses are covered up to the limit mentioned in the specific IFFCO Tokio plan.

Can I add optional add-ons to enhance coverage?

Yes, you can add riders such as hospital cash, consumables cover, and critical illness cover to improve IFFCO Tokio Health Insurance benefits.

Are alternative treatments or wellness benefits included?

Yes, certain plans offer wellness rewards, preventive check-ups, and alternative treatment coverage to support holistic health.

Are organ donor expenses covered?

Yes, most plans cover organ donor surgery expenses, subject to policy terms and limits.

Does the plan cover modern treatments like robotic or laser surgeries?

Yes, advanced medical treatments are covered as per the list of modern procedures included in your plan.

How long is the waiting period for common illnesses or surgeries?

IFFCO Tokio typically has a 24–36-month waiting period for specified diseases like hernia, cataract, or ENT conditions.

Does IFFCO Tokio offer cashless hospitalisation?

Yes, the insurer has a wide cashless network allowing policyholders to get treatment without upfront payments.

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IFFCO Tokio Health Insurance

Coverage & Benefits

IFFCO Tokio Health Insurance & Coverage Benefits

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95.82%

Claim Settlement Ratio

8000+

Network Hospitals

Up to 1 Cr

Sum Assured

95.82%

Claim Settlement Ratio

8000+

Network Hospitals

Up to 1 Cr

Sum Assured

IFFCO Tokio Health Insurance & Coverage Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

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I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

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The team is very professional and prompt. I would have all my health and life insurance needs met through them.

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Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: IFFCO Tokio Health Insurance Coverage

Pros

Reliable claim settlement support and high transparency.

Affordable premiums with good family floater options.

Wide coverage for day-care, AYUSH, and modern treatments.

Strong cashless network with fast approvals.

Cons

Sub-limits apply in several entry-level policies.

Limited maternity benefits in basic plans.

PED and specific illness waiting periods can be long.

Some variants have lower pre- & post-hospitalisation limits.

Pros

Reliable claim settlement support and high transparency.

Affordable premiums with good family floater options.

Wide coverage for day-care, AYUSH, and modern treatments.

Strong cashless network with fast approvals.

Cons

Sub-limits apply in several entry-level policies.

Limited maternity benefits in basic plans.

PED and specific illness waiting periods can be long.

Some variants have lower pre- & post-hospitalisation limits.

Final Verdict

IFFCO Tokio Health Insurance offers solid, practical coverage suitable for individuals and families seeking dependable financial protection. Its strong cashless network, fast claim approvals, and comprehensive coverage for hospitalisation, day-care procedures, and AYUSH treatments make it a trustworthy choice. The plans are priced competitively, making them affordable without compromising essential...

IFFCO Tokio Health Insurance offers solid, practical coverage suitable for individuals and families seeking dependable financial protection. Its strong cashless network, fast claim approvals, and comprehensive coverage for hospitalisation, day-care procedures, and AYUSH treatments make...

Key Coverages & Benefits Offered Under IFFCO Tokio Health Insurance

IFFCO Tokio provides extensive protection for medical expenses with options for hospitalisation, advanced treatments, and cashless care.

Inclusions

Coverage for modern treatments and advanced procedures.

Ambulance charges for emergency transportation.

Organ donor medical and surgical expenses.

AYUSH treatment coverage in registered facilities.

Day-care procedures not requiring 24-hour admission.

Pre- & post-hospitalisation expenses for specified days.

Covers in-patient hospitalisation for illnesses and injuries.

Exclusions

War, riots, or hazardous activity-related injuries.

Treatment in non-registered or unrecognised hospitals.

Unproven, experimental, or alternative therapies.

Self-inflicted injuries or suicide attempts.

Injuries due to alcohol, drugs, or substance abuse.

Infertility, IVF, and assisted reproductive treatments.

Cosmetic or non-medical elective surgeries.

Inclusions

Coverage for modern treatments and advanced procedures.

Ambulance charges for emergency transportation.

Organ donor medical and surgical expenses.

AYUSH treatment coverage in registered facilities.

Day-care procedures not requiring 24-hour admission.

Pre- & post-hospitalisation expenses for specified days.

Covers in-patient hospitalisation for illnesses and injuries.

Exclusions

War, riots, or hazardous activity-related injuries.

Treatment in non-registered or unrecognised hospitals.

Unproven, experimental, or alternative therapies.

Self-inflicted injuries or suicide attempts.

Injuries due to alcohol, drugs, or substance abuse.

Infertility, IVF, and assisted reproductive treatments.

Cosmetic or non-medical elective surgeries.

Claims Process

How to file IFFCO Tokio Health Insurance claims?

IFFCO Tokio Health Insurance & Coverage Benefits

How Coverage and Benefits Vary in IFFCO Tokio Health Insurance

Pre- & Post-Hospitalisation Coverage

Coverage duration changes based on the plan type. Entry-level plans offer shorter pre- and post-hospitalisation limits, while higher variants provide extended durations for more complete financial protection.

Organ Donor & Advanced Treatment Cover

Basic plans may offer limited coverage for donor expenses and modern treatments. Premium variants include higher limits and broader coverage for advanced procedures and medical technologies.

No-Claim Bonus (NCB)

Standard plans offer smaller yearly NCB increments, whereas top-tier plans provide higher cumulative bonuses that significantly increase your total sum insured over claim-free years.

Pre- & Post-Hospitalisation Coverage

Coverage duration changes based on the plan type. Entry-level plans offer shorter pre- and post-hospitalisation limits, while higher variants provide extended durations for more complete financial protection.

Organ Donor & Advanced Treatment Cover

Basic plans may offer limited coverage for donor expenses and modern treatments. Premium variants include higher limits and broader coverage for advanced procedures and medical technologies.

No-Claim Bonus (NCB)

Standard plans offer smaller yearly NCB increments, whereas top-tier plans provide higher cumulative bonuses that significantly increase your total sum insured over claim-free years.

How to Choose

How to Choose the Right Health Insurance Coverage

What is the Waiting Period in IFFCO Tokio Health Insurance?

A waiting period is the mandatory duration you must complete before certain illnesses, treatments, or pre-existing conditions become eligible for claims under IFFCO Tokio health insurance. Any claim made during this period for those conditions will not be approved.

Initial Waiting Period

IFFCO Tokio applies a 30-day waiting period for all illnesses from the date the policy begins. This does not apply to accidental hospitalisation, which is covered from Day 1.

Pre-Existing Disease (PED) Waiting Period

The waiting period for pre-existing diseases varies depending on the type of plan or variant:

Standard / Basic Plans: 48 months
Mid-level Plans: 36 months
Comprehensive / Premium Plans: 24 months

(This applies only if the PED was declared when purchasing the policy.)

Specified Diseases / Procedure Waiting Period

IFFCO Tokio has a 24-month waiting period for certain listed conditions such as:

Hernia, piles, fistula
Cataract
ENT disorders
Joint replacement surgeries
Stones in kidney or gallbladder
Gynecological disorders

(The exact list may vary depending on the policy variant.)

Maternity Waiting Period

Plans that offer maternity benefits usually come with a waiting period of:

2 years for higher variants
4 years for standard or mid-range variants

Coverage includes normal delivery, C-section, and newborn benefits (if included under the plan).

Initial Waiting Period

IFFCO Tokio applies a 30-day waiting period for all illnesses from the date the policy begins. This does not apply to accidental hospitalisation, which is covered from Day 1.

Pre-Existing Disease (PED) Waiting Period

The waiting period for pre-existing diseases varies depending on the type of plan or variant:

Standard / Basic Plans: 48 months
Mid-level Plans: 36 months
Comprehensive / Premium Plans: 24 months

(This applies only if the PED was declared when purchasing the policy.)

Specified Diseases / Procedure Waiting Period

IFFCO Tokio has a 24-month waiting period for certain listed conditions such as:

Hernia, piles, fistula
Cataract
ENT disorders
Joint replacement surgeries
Stones in kidney or gallbladder
Gynecological disorders

(The exact list may vary depending on the policy variant.)

Maternity Waiting Period

Plans that offer maternity benefits usually come with a waiting period of:

2 years for higher variants
4 years for standard or mid-range variants

Coverage includes normal delivery, C-section, and newborn benefits (if included under the plan).

Diseases Covered/not Covered

Diseases Covered/Not Covered Under IFFCO Tokio Health Insurance

Diseases Covered Under IFFCO Tokio Health Insurance

Kidney, Gallbladder & Abdominal Conditions

Benign Tumours & Cysts

ENT Disorders

Joint, Knee & Orthopaedic Conditions

Hernia, Piles & Fissure Treatments

Cataract & Eye-Related Ailments

Hypertension & Cardiac Illnesses

Diabetes & Related Complications

Diseases/Conditions Not Covered

Rest, Rehabilitation & Custodial Care

Unproven or Experimental Treatments

Sexually Transmitted Diseases (STDs)

Conditions Due to Alcohol or Drug Abuse

Self-Inflicted Injuries

Infertility & Assisted Reproductive Treatments

Cosmetic or Elective Surgery

Diseases Covered Under IFFCO Tokio Health Insurance

Kidney, Gallbladder & Abdominal Conditions

Benign Tumours & Cysts

ENT Disorders

Joint, Knee & Orthopaedic Conditions

Hernia, Piles & Fissure Treatments

Cataract & Eye-Related Ailments

Hypertension & Cardiac Illnesses

Diseases/Conditions Not Covered

Rest, Rehabilitation & Custodial Care

Unproven or Experimental Treatments

Sexually Transmitted Diseases (STDs)

Conditions Due to Alcohol or Drug Abuse

Self-Inflicted Injuries

Infertility & Assisted Reproductive Treatments

Cosmetic or Elective Surgery

Pre-existing Diseases

Pre-Existing Diseases Covered Under IFFCO Tokio Health Insurance

Diabetes (Type 1 & Type 2)

Covers long-term complications such as neuropathy, retinopathy, and diabetic foot once the applicable PED waiting period is completed.

Hypertension

Includes treatment for high blood pressure and related complications affecting the heart, kidneys, or blood vessels after the waiting period.

Thyroid Disorders

Both hypothyroidism and hyperthyroidism are covered once the mandatory PED waiting period is over.

Asthma & Chronic Respiratory Diseases

Conditions such as asthma, chronic bronchitis, and other long-term breathing issues are included after fulfilling PED timelines.

Arthritis & Other Orthopaedic Disorders

Covers osteoarthritis, rheumatoid arthritis, joint pain, and similar chronic bone or joint conditions after the waiting period ends.

Gastric & Digestive System Disorders

Covers osteoarthritis, rheumatoid arthritis, joint pain, and similar chronic bone or joint conditions after the waiting period ends.

Heart Diseases

Includes coronary artery disease, past stent placement, bypass surgery history, and other chronic cardiac issues once eligible for PED coverage.

Kidney & Liver Disorders

Covers long-term kidney diseases, liver cirrhosis, hepatitis-related complications, and other chronic organ-related illnesses after the PED waiting period.

Diabetes (Type 1 & Type 2)

Covers long-term complications such as neuropathy, retinopathy, and diabetic foot once the applicable PED waiting period is completed.

Hypertension

Includes treatment for high blood pressure and related complications affecting the heart, kidneys, or blood vessels after the waiting period.

Thyroid Disorders

Both hypothyroidism and hyperthyroidism are covered once the mandatory PED waiting period is over.

Asthma & Chronic Respiratory Diseases

Conditions such as asthma, chronic bronchitis, and other long-term breathing issues are included after fulfilling PED timelines.

Arthritis & Other Orthopaedic Disorders

Covers osteoarthritis, rheumatoid arthritis, joint pain, and similar chronic bone or joint conditions after the waiting period ends.

Gastric & Digestive System Disorders

Covers osteoarthritis, rheumatoid arthritis, joint pain, and similar chronic bone or joint conditions after the waiting period ends.

Heart Diseases

Includes coronary artery disease, past stent placement, bypass surgery history, and other chronic cardiac issues once eligible for PED coverage.

Kidney & Liver Disorders

Covers long-term kidney diseases, liver cirrhosis, hepatitis-related complications, and other chronic organ-related illnesses after the PED waiting period.

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