iffco tokio Insurance Plans

IFFCO Tokio Health Protector Plus

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Key highlights of IFFCO Tokio Health Protector Plus Insurance

The policy covers hospitalization expenses which intends to provide coverage to you and your family in the eventuality of high treatment costs for any injury or disease related contingencies like hospitalization, organ transplantation etc. You opt for a compulsory deductible amount, which you bear either through existing health coverage or through own/other sources. The policy acts as an additional cover over and above the deductible amount. The policy therefore addresses galloping

IFFCO Tokio Health Insurance Review

IFFCO Tokio Health Insurance
IFFCO Tokio Health Insurance sum insured
15 lacs − 30 lacs options available
Incurred Claims Ratio *
IFFCO Tokio Health Insurance tenure options
1 year
Claims Settlement Ratio **
List of network hospitals
5,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

IFFCO Tokio Health Protector Plus Insurance Benefits

  • Saliant Features
  • What the Policy covers

IFFCO Tokio Key Features of Health Protector Plus Insurance

  • Room Rent :DCapped under the deductible of the plan
  • Co-pay : Co-pay upto 25% on Room Rent for admission in higher room categories
  • Restoration Benefit :Restoration upto Claim Amount subject to premium payable
Complete Freedom - Choose the way you want:
  • Term: One year
  • Entry age: 18 to 65 years.Dependent children above 3 months can be covered when one of the parents is also covered.
  • Top up or Super Top up: Chose whether you want the deductible to be applied per claim or an aggregate of all claims in a year.
  • Sum Insured Options: 8 plans to offer you the widest possible range
  • Family Floater or Individual Sum Insured o Lifelong renewal (if renewed without break)
  • High coverage at low premium
  • This policy can be purchased without any other basic health policy
  • Waiver of Deductible in case of change/Loss of job: at a small additional premium.
  • Option to buy standard health policy with continuity of benefits: We will provide you with a facility to buy our standard Health policy without deductible with continuity of coverage in terms of waiver of waiting periods to the extent of deductible opted under this Policy provided the Top Up/Super Top up health product has been purchased for the first time before 50 years of age and continuously renewed without break for a period of at least 4 years.
  • Income Tax benefits under Section 80D.
  • Cashless claim facility available at over 4000 network hospitals across India.
  • Directly serviced by IFFCO TOKIO without any Third party administrator
  • EMERGENCY ASSISTANCE SERVICES at no additional cost. We provide you with special assistance when You are traveling within India 150 kilometers or more away from your home.
  • Portability: You can switch from any other similar policy of any other insurer to our Top up/Super Top Up policy and protect your continuity benefit as per IRDAI Guidelines.

IFFCO Tokio Coverages of Health Protector Plus Insurance

If the Insured Person contracts any Disease or sustains any Injury due to any accident (including any act of terrorism) and he/she has to incur Medically Necessary Hospitalization expenses, then we will pay Reasonable and Customary Charges of the following Hospitalization expenses:
  1. Room Rent (including Boarding and Nursing expense etc.
  2. Medical Practitioner/ Anesthetist, Consultant fees.
  3. Expenses on Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of transplantation of Organs and similar expenses.
  4. Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.
  5. Ayurveda and/or Homeopathy and/or Unani hospitalization expenses incurred in Government recognized hospitals. Coverage also includes pre-hospitalization and post hospitalization expenses.
  6. Ambulance Charges as per actual or Rs.3000/- (Three Thousand) per claim; whichever is less.
  7. An additional Daily Allowance amount equivalent to 0.10% of the Sum Insured for the duration of Hospitalization towards defraying of miscellaneous expenses.
  8. The above stated relevant expenses incurred for Domiciliary Hospitalisation if Medically Necessary and at Reasonable and Customary Charges up to a maximum aggregate sub-limit of 20% (Twenty percent) of the Sum Insured.

IFFCO Tokio Health Insurance FAQ’s

No, all benefits shall be payable when incurred in India only, in Indian rupees.

Your health insurance policy offers cover against medical expenses. If a person meets with a medical emergency, then they can file for a claim with health insurance. However, a policyholder will not get such benefits when the policy has expired. The person must pay the medical expenses out of their pocket. Therefore, it is extremely important that you remember the expiry date of your medical insurance policy and renew your plan on time to enjoy interrupted protection.

Under health insurance, the age and the amount of cover are two main factors that decide the premium. Usually, younger people are considered healthier and thus pay lower annual premiums. Older, people pay a higher health insurance premium as their risk of health problems or illness is higher. Similarly, smokers and those who consume alcohol have higher premiums. Even the nature of your job and where you stay can influence the premium of your medical insurance policy.

Yes, you can have more than one medical Insurance policy. In case of a claim, you can choose which policy to use to cover your costs. The benefit of having 2 health insurance plans is that, once the Sum Insured of one policy is exhausted, the remaining medical expenses, if any, can be claimed through the second policy.


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Policy wordings

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How to buy online?

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Portability Information for Mediclaim Insurance in India.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022