IFFCO Tokio vs Bharti AXA Health Insurance

Compare IFFCO Tokio vs Bharti AXA Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
IFFCO Tokio Bharti AXA
Claims Settlement Ratio ** 102.43% 98.27%
Number of Lives Covered * 22,015,000
Network Hospitals 5,000 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
IFFCO Tokio IFFCO Tokio IFFCO Tokio IFFCO Tokio Bharti AXA Bharti AXA
Family Health Protector Swasthya Kavacha Policy Individual Medishield Policy Swasthya Raksha Bima Smart Health Assure Smart Super Health
In-patient Treatment
Individual Health Protector: Covered.
Family Health Protector: Covered.
Not covered Not covered Not covered Covered up to sum insured Covered up to sum insured
Room Rent
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured.
Base plan: 1.0% of the sum insured.
Wider plan: 1.5% of basic sum insured.
Covered up to a specified limit. Normal Room expenses: 1% of the Sum Insured per day Covered Covered
ICU Charges
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured
Base plan: 2.0% of the sum insured.
Wider plan: 2.5% of the sum insured.
Covered up to a specified limit. Sub limit per day for ICU : 2.0% of the Sum Insured per day. Covered Covered
Pre-hospitalization
Individual Health Protector: Up to 45 days.
Family Health Protector: Up to 45 days.
30 days before hospitalization Covered Up to 60 days Covered Up to 30 days 60 days(Covered up to sum insured) 60 days(Covered up to sum insured)
Post-hospitalization
Individual Health Protector: Up to 60 days.
Family Health Protector: Up to 60 days.
30 days after hospitalization Covered Up to 60 days Covered Up to 30 days 90 days(Covered up to sum insured) 90 days(Covered up to sum insured)
Day Care Procedures
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Up to 121 day care surgeries covered. Defined day care surgeries. Up to sum insured as per list provided in policy document Up to sum insured as per list provided in policy document
Domiciliary Treatment
Individual Health Protector: up to 20% of the sum insured are covered
Family Health Protector: up to 20% of the sum insured are covered
Maximum sub-limit of 20% of the basic sum insured. Maximum sub-limit of 20% of the basic sum insured. Covered up to a max sub-limit of 20% of sum insured. Covered up to sum insured Covered up to sum insured
Emergency Ambulance
Individual Health Protector: 1% of sum insured or Rs. 2500, whichever is less.
Family Health Protector: 0.75% of sum insured or Rs. 2500, whichever is less.
Base plan: Rs.750 or actual, whichever is less for each claim.
Wider plan: Rs.1500 or actual, whichever is less .
1% of sum insured up to a maximum of Rs.1500. Maximum to Rs.750 for each admissible claim. Rs.3,000 per event Rs.3,000 per event
Dental Treatment
Individual Health Protector: Not covered
Family Health Protector: Not covered
Covered Not covered Not covered As per specified limit and plan opted Not Covered
Bariatric Surgery
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Not Covered Not Covered
Ayush Benefit
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Not covered Not covered Covered up to sum insured Covered up to sum insured
Maternity Benefits
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Covered Covered
New Born baby cover
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Covered Covered
Organ Donor Expenses
Individual Health Protector: Covered
Family Health Protector: Covered
Covered This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured. Actual within the overall limit of Sum Insured Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Individual Health Protector: Up to 10% of total premium paid at end of block of 2 continuous, claim free policies.
Family Health Protector: Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies.
Not covered Not covered Not covered Not Covered As per specified limit and plan opted
Health Check-up
Individual Health Protector: 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Family Health Protector: Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Not Available This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years. Covered Annual health check-up available Annual health check-up available
Hospital daily allowance
Individual Health Protector: 0.20% of sum insured.
Family Health Protector: 0.15% of sum insured, subject to a maximum of Rs. 1,000.
Base plan: Rs.150 per day
Wider plan: Rs.250 per day
Covered up to a maximum Rs. 250 per day during hospitalization. Rs.150 per day of Hospitalization. As per specified limit and plan opted As per specified limit and plan opted
Co-pay
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable. 35% Co-pay if the insured person undergoes medical treatment in Zone A Cities/Towns NIL co-pay NIL co-pay
Pre-existing diseases coverage
Individual Health Protector: Not covered
Family Health Protector: Not covered
Pre-existing diseases covered after 4 years of continuous coverage with us. Any pre-existing disease for a period of 3 years is not covered. Covered after 4 years of continuous coverage. Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage
Restore Benefit
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered Up to 100% of Base Sum Insured Up to 100% of Base Sum Insured
General waiting period
30 days Not covered Not covered Not covered 30 days 30 days
Renewal Benefit / Cumulative Bonus
Individual Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Family Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Base plan: N/A
Wider plan: Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured
5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal.
Not covered Covered
For age below 45 years 50% of expiring policy sum insured not exceeding 100%
For age above 45 years 20% of expiring policy sum insured not exceeding 100%
Emergency Air Ambulance
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
Not Covered As per specified limit and plan opted
Available sum insured options
Individual Health Protector: Rs.50,000 to Rs.20 Lakh.
Family Health Protector: Rs.1.5 Lakh to Rs.30 Lakh
Rs.2 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. Rs.50, 000 to Rs.5,00,000. Rs.1 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. Rs.3 & 4 Lakhs
Value: Rs.5 & 7.5 Lakhs
Classic: Rs.10 to 20 Lakhs
Uber: Rs.30 & 50 Lakhs above
Policy can be purchased for
-- -- 1 years 1 years 1/2/3 years 1/2/3 years
Eligibility criteria
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Daily cash allowance of 1% of sum insured up to a maximum of Rs.250 is available in this plan. Not covered Not Covered Not Covered
Claims loading
No Loading No Loading No Loading No Loading Loading Loading
Portablity
(At the time of renewal)
Yes Yes Yes No Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025