Overview of IFFCO Tokio Health Insurance Plans at a Glance

S.No.

Plan Name

Features

1.        

Individual Medishield Insurance Policy- Base Plan

It is a basic medical insurance plan that offers the following coverage.

•                    This plan offers basic insurance coverage ranging from Rupees1 lakh – Rupees 5 lakh for the individuals falling in the age group of 5 years - 65 years.

•                    It covers pre- hospitalization & post-hospitalization charges, day care procedures charges, No Claim Bonus, treatments charges for Ayurvedic treatment etc.

•                    The plan comes with sub-limits i.e. limit on room charges, ICU expenses, etc. as mentioned in the plan.

2.        

Individual Medishield Insurance Policy- Base Plan Plus Critical Care

It is an individual medical insurance plan that offers the benefit of extra coverage of Rupees 1 lakh apart from the base coverage when you make a payment of 30 percent extra premium apart from the basic premium.

•                    Individuals falling in the age group of 5 years - 65 years can be covered in this plan.

•                    This is the extended version of the base plan that offers double insurance coverage in case there is any critical illness.

•                    It covers pre- hospitalization and post-hospitalization charges, day care procedures charges, No Claim Bonus, treatments charges for Ayurvedic treatment etc.

•                    The plan comes with sub-limits i.e. limit on room charges, ICU expenses, etc. as mentioned in the plan.

3.        

Health Protector Plan

This medical insurance plan comes with copayment that offers the following coverage.

•                    It offers coverage for the injuries/ illnesses/ ailments that need hospitalization.

•                    It covers pre- hospitalization and post-hospitalization charges, day care procedures charges, No Claim Bonus, treatments charges for Ayurvedic treatment etc.

•                    This plan has copayment post first claim that ranges between 7.5 percent – 20 percent.

4.        

Individual Personal Accident Insurance policy

It is a personal accidental disability policy that offers the following coverage.

•                    In case any road mishaps this policy offers coverage that varies in the range of Rupees 2.5 lakh - Rupees 15 lakh for the people who are below 65 years of age.

•                    Under this policy a lump sum amount is paid if there is any accidental death, in case of disease or accident daily cash is provided; not just that it covers permanent and temporary total disablement, injuries such as broken bones, burns along with the ambulance expenses.

5.        

Health Protector Plus Plan

This top-up plan offers individual coverage for hospitalization charges that crosses the deductible value. Here is the offered coverage.

•                    It offers insurance cover to the individuals falling in the age group of 18 years -65 years.

•                    The provided coverage ranges between Rupees 2 lakh – Rupees 25 lakh; the deductibles range between Rupees 1 lakh – Rupees 5 lakh.

•                    The policy offers basic cover such as pre-hospitalization & post-hospitalization charges, zero sub-limits, hospital charges cover, No Claim Bonus, ambulance expenses, etc.

•                    This plan comes in 8 variants that offer different sum assured values.