What is IFFCO Tokio Health Insurance?

IFFCO Tokio Health Insurance helps you cover medical expenses for illnesses, accidents, or hospitalisation. It keeps you and your family financially safe when unexpected health issues arise.

What documents do I need for IFFCO Tokio Health Insurance?

You need ID proof (Aadhaar, PAN, or Passport), address proof, age proof, recent passport-size photos, and income proof for high coverage plans.

Can I include my parents and children in IFFCO Tokio Health Insurance?

Yes! Plans like Family Health Protector allow you to cover your spouse, children, parents, and dependent siblings under one policy.

What is the cashless claim facility in IFFCO Tokio Health Insurance?

If you go to a network hospital, you don’t pay up front. IFFCO Tokio settles the bill directly with the hospital.

What is the reimbursement claim process in IFFCO Tokio Health Insurance?

If you visit a non-network hospital, pay your bills first. Then submit documents to IFFCO Tokio or OneAssure, and you’ll get reimbursed after verification.

Does IFFCO Tokio Health Insurance cover pre-existing diseases?

Yes, most plans cover pre-existing conditions after a waiting period, usually 2–4 years.

Are AYUSH treatments covered under IFFCO Tokio Health Insurance?

Yes. Treatments like Ayurveda, Homeopathy, Siddha, and Unani are covered in select plans for hospitalisation and daycare procedures.

Can I renew IFFCO Tokio Health Insurance online?

Absolutely! We at OneAssure help you renew online, review your coverage, and make payment so your policy continues without gaps.

How much sum insured can I get with IFFCO Tokio Health Insurance?

Sum insured ranges from ₹50,000 to ₹1 crore depending on the plan. We help you choose the right coverage for your family and budget.

Does IFFCO Tokio Health Insurance cover critical illnesses?

Yes, plans like Critical Illness Benefit cover major illnesses such as cancer, heart attack, stroke, and kidney failure, with a lump-sum payout.

What is the waiting period in IFFCO Tokio Health Insurance?

Most plans have a 30-day waiting period for new illnesses and a 2–4 year waiting period for pre-existing diseases.

How do I check if my hospital is a network hospital for IFFCO Tokio?

You can check the insurer’s website, app, or call OneAssure. We provide a full list of network hospitals for easy cashless treatment.

Can I buy IFFCO Tokio Health Insurance online for my family?

Yes! It's easy to apply online for family plans. You can include spouse, children, and dependent parents in one policy.

Does IFFCO Tokio Health Insurance cover ambulance charges?

Yes. Most plans reimburse ambulance costs for hospital transfers.

What is the cumulative bonus in IFFCO Tokio Health Insurance?

If you don’t make a claim in a policy year, your sum insured increases by 5% (up to 50%) in most plans. This grows your coverage without extra cost.

Is maternity covered under IFFCO Tokio Health Insurance?

Yes. Some plans include maternity and newborn coverage.

How long does claim settlement take in IFFCO Tokio Health Insurance?

Cashless claims are settled instantly at network hospitals. Reimbursement claims usually take 7–15 days after document verification.

Can I increase my sum insured after buying IFFCO Tokio Health Insurance?

Yes! Many plans allow top-ups or sum insured enhancement during renewal.

Who can buy IFFCO Tokio Health Insurance?

If you’re an adult up to 65 years old, you can buy an IFFCO Tokio Health Insurance plan in your own name. Parents can also cover children once they are 90 days old under a family plan. After buying, most plans allow lifetime renewal, so you can continue coverage even beyond 65.

How do I apply for IFFCO Tokio Health Insurance?

You can apply online, through OneAssure, or via the company’s website. You get your policy online, or if you want, you can go to the office or branch of IFFCO Tokio to buy a policy offline.

OneAssure

Health Insurance

IFFCO Tokio

IFFCO Tokio Health Insurance

Get a Quote

95.82%

Claim Settlement Ratio

8,000+

Network Hospitals

7.1

Overall Rating

IFFCO Tokio Health Insurance

Our Verdict About IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance ensures dependable health protection at reasonable premiums.

What We Like

Pre & post-hospitalisation expenses included

Simple online purchase and renewal

Coverage for AYUSH, day-care, and modern treatments

8,000+ network hospitals across India

Areas of Improvement

Some advanced benefits limited to top plans

Premiums rise for higher sum-insured options

2–3 year waiting period for pre-existing diseases

What We Like

Pre & post-hospitalisation expenses included

Simple online purchase and renewal

Coverage for AYUSH, day-care, and modern treatments

8,000+ network hospitals across India

Areas of Improvement

Some advanced benefits limited to top plans

Premiums rise for higher sum-insured options

2–3 year waiting period for pre-existing diseases

Final Verdict

IFFCO Tokio Health Insurance offers wide coverage with affordable plans. It is a good choice for families and individuals. The claim process is fairly simple, and its large hospital network adds to the convenience. This is a reliable choice to secure your health and finances.

IFFCO Tokio Health Insurance offers wide coverage with affordable plans. It is a good choice for families and individuals. The claim process is fairly simple, and its large hospital network adds to the convenience. This...

IFFCO Tokio Health Insurance

Top IFFCO Tokio Plans

Individual Health Protector

Comprehensive hospital cover for individuals (cashless or reimbursement)
Protection against terrorism-related injuries
Covers 11 critical illnesses & 12 modern treatments like chemo & dialysis

Most Popular

Family Health Protector

Daily cash allowance during hospitalisation for extra expenses
121 day-care procedures like dialysis & cataract surgery covered
One plan covers the entire family under a shared sum insured

Individual Health Protector

Comprehensive hospital cover for individuals (cashless or reimbursement)
Protection against terrorism-related injuries
Covers 11 critical illnesses & 12 modern treatments like chemo & dialysis

Most Popular

Family Health Protector

Daily cash allowance during hospitalisation for extra expenses
121 day-care procedures like dialysis & cataract surgery covered
One plan covers the entire family under a shared sum insured

IFFCO Tokio Health Insurance

About IFFCO Tokio

IFFCO Tokio Health Insurance

IFFCO Tokio Rating

Overall Rating

7.1

out of 10

Solvency

3/4

ICR

2/3

Growth

2.1/3

Performance Index

Gross Direct Premium

IFFCO Tokio

1646.03Cr

Industry Average

1905.12Cr

ICR%

IFFCO Tokio

107.46%

Industry Average

83.49%

IFFCO Tokio

Industry Average

Overall Rating

7.1

out of 10

Solvency

3/4

ICR

2/3

Growth

2.1/3

Performance Index

Gross Direct Premium

IFFCO Tokio

1646.03Cr

Industry Average

1905.12Cr

IFFCO Tokio

Industry Average

Performance Index

ICR%

IFFCO Tokio

107.46%

Industry Average

83.49%

IFFCO Tokio

Industry Average

IFFCO Tokio Health Insurance

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.

Anju Renjith

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!

Sanjay Dakalia

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

Harish Jindal

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

IFFCO Tokio Health Insurance

Pros and Cons

Pros

Covers hospitalisation, day-care, AYUSH & ambulance charges
Sum insured options up to ₹1 crore
60 & 90 days pre- and post-hospitalisation cover
Easy online purchase and renewal
Wellness benefits and free health check-ups
Tax savings under Section 80D

Cons

2–3 year waiting period for pre-existing diseases
30-day initial waiting period (except for accidents)
Room rent and disease-specific sub-limits in some plans
Maternity, dental, and OPD cover available only with add-ons
Premiums may rise with higher age or sum insured

Pros

Covers hospitalisation, day-care, AYUSH & ambulance charges
Sum insured options up to ₹1 crore
60 & 90 days pre- and post-hospitalisation cover
Easy online purchase and renewal
Wellness benefits and free health check-ups
Tax savings under Section 80D

Cons

2–3 year waiting period for pre-existing diseases
30-day initial waiting period (except for accidents)
Room rent and disease-specific sub-limits in some plans
Maternity, dental, and OPD cover available only with add-ons
Premiums may rise with higher age or sum insured

IFFCO Tokio Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

IFFCO Tokio Types

Family Health Insurance

Covers your entire family under one plan. Protects your loved ones from high medical costs.

Individual Health Insurance

Designed for one person. You can customise it to meet each family member’s specific needs.

Super Top-Up Health Insurance

Adds extra coverage over your existing health plan. Let's you get a higher sum insured at lower premiums.

Personal Accident Insurance

Protects you in case of accidents. Covers disability, injuries, or untimely death.

Essential Health Protector

A complete plan for Indian residents or expatriates. Covers a wide range of medical expenses and treatments.

Accidental Hospitalisation

Focuses on accidents. Pays for hospital stays and treatment due to accidents, usually at an affordable cost.

Family Health Insurance

Covers your entire family under one plan. Protects your loved ones from high medical costs.

Individual Health Insurance

Designed for one person. You can customise it to meet each family member’s specific needs.

Super Top-Up Health Insurance

Adds extra coverage over your existing health plan. Let's you get a higher sum insured at lower premiums.

Personal Accident Insurance

Protects you in case of accidents. Covers disability, injuries, or untimely death.

Essential Health Protector

A complete plan for Indian residents or expatriates. Covers a wide range of medical expenses and treatments.

Accidental Hospitalisation

Focuses on accidents. Pays for hospital stays and treatment due to accidents, usually at an affordable cost.

Documents Required

Identity Proof

Aadhaar, PAN, or Passport.

Address Proof

Utility bills, Voter ID, or any official document showing your address.

Age Proof

Birth certificate, driving license, or school certificate.

Photographs

Recent passport-size photos.

Income Proof

Needed only for higher coverage plans, if requested.

Identity Proof

Aadhaar, PAN, or Passport.

Address Proof

Utility bills, Voter ID, or any official document showing your address.

Age Proof

Birth certificate, driving license, or school certificate.

Photographs

Recent passport-size photos.

Income Proof

Needed only for higher coverage plans, if requested.

IFFCO Tokio Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

IFFCO Tokio Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

IFFCO Tokio Network Hospitals

8,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

8,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

IFFCO Tokio Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

IFFCO Tokio Health Insurance

How to Buy IFFCO Tokio?

Follow these simple steps to purchase your IFFCO Tokio health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

Renew your policy online easily with just a few clicks.
Receive reminders to avoid lapses and maintain active coverage.
Pay renewal premiums flexibly via cards, UPI, or net banking.
Retain No Claim Bonus for claim-free years during renewal.
Enjoy uninterrupted coverage and benefits with seamless policy renewal.

IFFCO Tokio Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.