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IFFCO Tokio Health Insurance

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95.82%

Claim Settlement Ratio

8,000+

Network Hospitals

6.5

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

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...

IFFCO Tokio Health Insurance

Top IFFCO Tokio Health Insurance Plans

  IFFCO-Tokio Individual Health Protector Plan

IFFCO-Tokio Individual Health Protector Plan

  • 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

IFFCO-Tokio Family Health Protector Policy

IFFCO-Tokio Family Health Protector Policy

  • 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 Health Insurance

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...

IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance Rating

Overall Rating

6.5

out of 10

Solvency

2.2/4

ICR

2/3

Growth

2.3/3

Performance Index

Gross Direct Premium

IFFCO Tokio Health Insurance

1646.03Cr

Industry Average

1905.12Cr

IFFCO Tokio Health Insurance

Industry Average

Performance Index

ICR%

IFFCO Tokio Health Insurance

107.46%

Industry Average

83.49%

IFFCO Tokio Health Insurance

Industry Average

IFFCO Tokio Health Insurance

Customer Testimonials

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

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

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

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

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

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

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

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 Health Insurance 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.

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.

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 Health Insurance 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

IFFCO Tokio Health Insurance

Features Comparison

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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 Health Insurance?

Follow these simple steps to purchase your IFFCO Tokio Health Insurance 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

IFFCO Tokio Health Insurance

Frequently Asked Questions

Get answers to common questions about our insurance policies and services.

1-5 of 20 FAQs