care@investkraft.com
+91-9599071040
+91-9797971876
IFFCO Tokio Family Health Protector Policy
Plan Your Family’s Health
What is the IFFCO Tokio Family Health Protector Policy?
The IFFCO Tokio Family Health Protector policy offers affordable coverage for your entire family. With the increasing health risk due to changing lifestyle habits, having a health insurance policy for the family has become crucial. This policy not only safeguards your health but also provides financial support in times of need.
IFFCO Tokio Family Health Protector Policy Specifications
| Specification | Details |
| Policy Name | Family Health Protector Policy |
| UIN | IFFHLIP21324V032021 |
| Coverage Type | New policy covers the entire family |
| Eligible Members | Family members living together |
| Sum Insured Range | Up to Rs. 30 lakhs |
| Policy Term | 1 year (short-term options available) |
| Room Rent Coverage | Up to actuals |
| ICU Charges Coverage | Up to actuals |
| Ambulance Charges | Up to Rs. 2,500 |
| Daily Allowance Coverage | Up to Rs. 1,000 per day |
| Co-pay | Nil |
| Critical Illness Coverage | Available as an optional add-on |
| Pre-Hospitalization Expenses | Covered for up to 60 days |
| Post-Hospitalization Expenses | Covered for up to 90 days |
| Nursing Expenses | Covered during hospitalization |
| Day Care Procedures Covered | 380+ procedures |
| Cashless Treatment | Available at 7000+ network hospitals |
| Tax Benefit | Available under Section 80D (up to Rs. 1 lakh) |
| Discounts | Maximum 25% off for group policies and existing customers |
| Exclusions | Cosmetic procedures, dental care, pregnancy, self-inflicted injuries, and war-related incidents |
| Claim Process | Offers direct claim servicing without 3rd-party administrators |
| Customer Support | 24/7 help available for claims and inquiries |
Choose the Best Health Insurance Plan
that provides all the necessary coverage benefits you need at affordable premiums.
IFFCO Tokio Family Health Protector Policy Coverage Benefits
The IFFCO Tokio Family Health Protector policy offers a single sum insured for unexpected medical expenses and critical illnesses at an affordable cost. Various discounts are available and it can be easily renewed online with no hassle.
| Feature | Benefit |
| Sum Insured | Up to Rs. 30 lakhs |
| Room Rent Charges | Up to actuals |
| ICU Charges | Up to actuals |
| Ambulance Charges | Up to Rs. 2,500 |
| Daily Cash Allowance | Up to Rs. 1,000 per day |
| Co-pay | Nil |
| Critical Illness Cover | Included |
| No Medical Tests | Up to 60 years |
| Reinstatement Benefit | Available |
| Day Care Procedures | 380+ procedures covered |
| Pre-existing Diseases | Covered after the waiting period |
| Pre-hospitalization Expenses | Up to 60 days |
| Post-hospitalization Expenses | Up to 90 days |
| AYUSH Treatment | Covered |
| Domiciliary Hospitalization | Covered up to 20% of Sum Insured |
| Organ Donor Expenses | Covered |
What’s Covered and Not Covered in IFFCO Tokio Family Health Protector Policy
IFFCO Tokio Family Health Protector Policy Inclusions
- Room Rent Expenses
- Nursing Expenses
- Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist fees
- Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances
- Medicines & Drugs, Diagnostic Materials and Diagnostic Imaging Modalities
- Dialysis, Chemotherapy, Radiotherapy
- Cost of Pacemaker, Artificial Limbs, Cost of Organs
- AYUSH Hospitalization Expenses
- Domiciliary Hospitalization
- Critical Illness
- Pre and Post-Hospitalization Expenses
- Day Care Procedures
- Ambulance Charges
- Daily Allowance
- Co-pay
- COVID-19 Treatment
- Wellness Benefits
- Cashless Treatment
- Claim Assistance
- Tax Benefits
IFFCO Tokio Family Health Protector Policy Waiting Period
- Cosmetic or Dental Treatment
- Pregnancy-related Conditions
- Alcoholism, Drug or Substance Abuse
- Unproven Treatment
Injuries due to Self-harm, Suicide Attempt, War, Nuclear Explosion, Adventure Sports
Quick Links
Similar Insurance Company Plans
Individual And Family Health Insurance Plan
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Coverage Benefits
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Eligibility Criteria
- Extensive network hospitals
- Customizable coverage options
- Wellness programs
Health Insurance Premium Calculator
Calculate your health insurance premium within seconds with InvestKraft Health Insurance Premium Calculator.
IFFCO Tokio Family Health Protector Policy Claim Process
There are two ways to apply for a health insurance claim with IFFCO Tokio Health Insurance company- Cashless Claim and Reimbursement. The procedures for both options are as follows.
Cashless Claim Process
Planned admissions require informing the TPA three days in advance.
Steps to Follow
Choose a hospital from IFFCO Tokio’s network list for treatment.
Inform TPA (Third Party Administrator) 3 days before admission, providing Health Card Membership number.
Complete the cashless request form from the Hospital Insurance Help Desk and have your doctor certify it.
Fax the form and medical records to the TPA.
The TPA reviews the documents, makes decisions, approves cashless requests or asks for more documents.
TP approves cashless claims for hospital bills, but you are responsible for inadmissible amounts like telephone, food and attendant charges.
If the cashless claim is rejected by the TPA, pay the hospital bill and request reimbursement. Claim processing follows policy terms.
Emergency admissions require notifying the TPA upon admission.
Steps to Follow
At the network hospital, notify the TPA on admission via a toll-free number and then provide your Health Card Membership number.
Complete the cashless request form from the Hospital Insurance Help Desk and have your doctor certify it.
Fax the form and medical records to the TPA.
The TPA reviews the documents, informs hospital decisions and approves cashless payment or requests more documents.
The TPA approves cashless claims and settles the hospital bills directly, but inadmissable expenses remain your responsibility.
If the TPA does not approve the cashless claim, pay the hospital bill and request reimbursement as per policy terms.
Reimbursement Claim Process
Inform IFFCO Tokio upon admission or within 7 days of discharge.
Pay your hospital bills and then request reimbursement.
Download the claim form from the website or request it from the call centre.
Submit the completed form with supporting documents to the IFFCO Tokio office or by mail.
IFFCO Tokio Family Health Protector Policy Contact Details
Get in Touch with IFFCO Tokio health insurance officials:
Reach Out at: +91-7993407777
Customer Service Hotline: 1800-103-5499- For Crop Insurance Inquiries: Dial 14447
Email Support: support@iffcotokio.co.in
Best Health Insurance Plans in India
The following are some of the best health insurance plans in India that you can buy from InvestKraft:
| Insurance Provider | Plan Name | Coverage Type | Sum Insured Range | Age Limit (Adults) | Important Parameters | ||
|---|---|---|---|---|---|---|---|
| Care Advantage Health Insurance Plan | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | ||
| ICICI Elevate Health Insurance Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | ||
| IFFCO Tokio Family Health Protector Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | ||
| Niva Bupa Aspire Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | ||
| Arogya Supreme Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium | ||
| TATA AIG Medicare Lite Policy | Individual & Family Floater | ₹2 Lakh - ₹6 Crore | 18-65 years |
|
Check Premium |
