What is the IFFCO Tokio Health Protector Policy?

The IFFCO Tokio Health Protector Policy is a comprehensive health insurance plan designed to cover a wide range of medical expenses, including hospitalization, treatment for critical illness and other specified benefits. This policy is tailored to provide financial assistance for medical treatments based on the details provided by the insured person(s) and as specified in the policy details in the sections to follow.

IFFCO Tokio Health Protector Policy Specifications

Feature	Details
Cashless Claim Processing	Within 1 hour
Minimum Age for Entry	91 days
Maximum Age for Entry	No upper limit
Coverage Amount	Up to ₹30 Lakhs
Network Hospitals	7500+
Tax Savings	Up to ₹1 Lakh
Solvency Ratio (2021-22)	1.60%
Claim Settlement Ratio (2021-22)	89.38%
Ambulance Charges	Included
Accident Coverage	Yes

Coverage Benefits of IFFCO Tokio Health Protector Policy

The IFFCO Tokio Health Protector Policy offers comprehensive health coverage with a variety of benefits designed to ensure financial protection against medical expenses. This includes extensive coverage for pre and post-hospitalization, the convenience of cashless treatment options and assistance for critical illnesses. All these features make it an excellent choice for individuals and families looking for reliable health insurance.

Coverage Benefits	Benefit
Sum Insured	Family floater plans cover up to 30 lakh rupees while individual plans cover up to 20 lakh rupees.
Room Rent Charges	Up to actual coverage based on the insured sum
ICU Charges	Covered up to the agreed sum insured amount
Ambulance Charges	2,500 rupees limit per hospital stay
Daily Allowance	Maximum 1,000 rupees per day based on the insurance amount
Pre-Hospitalization Expenses	Health insurance coverage up to 60 days before hospitalization
Post-Hospitalization Expenses	Up to 90 days of coverage after hospitalization
Day Care Procedures	Insurance for 380+ day care procedures
Critical Illness Coverage	Included in the policy.
Cashless Treatment	7000+ hospitals in the network
Wellness Benefits	Promoting preventive health measures
Health Check-ups	Covered under the policy.
AYUSH Treatments	Coverage for alternative medicine treatments (AYUSH)
Claim Assistance	24/7 customer service for claims assistance
Tax Benefits	Deduction under Section 80D, up to 1 lakh rupees
Exclusions	No coverage for cosmetic treatments, pregnancy-related conditions, self-hrm injuries or adventure sports injuries

Similar Insurance Company Plans

IFFCO Tokio Family Health Protector Policy

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

IFFCO Tokio Health Protector Policy

Coverage Benefits

Extensive network hospitals
Customizable coverage options
Wellness programs

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IFFCO Tokio 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

1

Choose a hospital from IFFCO Tokio’s network list for treatment.

2

Inform TPA (Third Party Administrator) 3 days before admission, providing Health Card Membership number.

3

Complete the cashless request form from the Hospital Insurance Help Desk and have your doctor certify it.

4

Fax the form and medical records to the TPA.

5

The TPA reviews the documents, makes decisions, approves cashless requests or asks for more documents.

6

TP approves cashless claims for hospital bills, but you are responsible for inadmissible amounts like telephone, food and attendant charges.

7

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

1

At the network hospital, notify the TPA on admission via a toll-free number and then provide your Health Card Membership number.

2

Complete the cashless request form from the Hospital Insurance Help Desk and have your doctor certify it.

3

Fax the form and medical records to the TPA.

4

The TPA reviews the documents, informs hospital decisions and approves cashless payment or requests more documents.

5

The TPA approves cashless claims and settles the hospital bills directly, but inadmissable expenses remain your responsibility.

6

If the TPA does not approve the cashless claim, pay the hospital bill and request reimbursement as per policy terms.

Reimbursement Claim Process

1

Inform IFFCO Tokio upon admission or within 7 days of discharge.

2

Pay your hospital bills and then request reimbursement.

3

Download the claim form from the website or request it from the call centre.

4

Submit the completed form with supporting documents to the IFFCO Tokio office or by mail.

IFFCO Tokio Health Protector Policy Contact Details

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The following are some of the best health insurance plans in India that you can buy from InvestKraft:

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