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IFFCO Tokio General Insurance

IFFCO Tokio General Insurance Company was incorporated on 4th December, 2000, and is a joint venture between Indian Farmers Fertiliser Cooperative (IFFCO), its associates, and Tokio Marine and Nichido Fire Group.
With its headquarters in Gurgaon, India, IFFCO Tokio General Insurance has a Pan India presence with 78 ‘Strategic Business Units' and a wide network of over 171 ‘Lateral Spread Centres’ and 400 ‘Bima Kendras’.
With more than a decade and a half of experience in offering best-in-market insurance products, the company’s product portfolio includes Motor Insurance, Health Insurance, Travel Insurance, Home Insurance and other products.

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Plans Offered by IFFCO Tokio General Insurance

IFFCO Tokio health insurance offers a wide range of health insurance plans for both individuals and groups. For hassle-free purchase and renewal, you can now buy IFFCO Tokio health insurance online. These plans come with: -

  • Lifelong renewable benefit
  • Pre and post hospitalization benefits
  • Daily cash allowance
  • Health checkups, and
  • Critical illnesses (after a pre-specified waiting period)

    Plan Name : Individual Medishield Policy

      About the Plan:

      The plan is offered as an Individual or Family floater, and is available for people aged up to 80 years. If you and your spouse are covered under the plan, then your children between 3 months and 5 years can also be covered.

      • Wide range of Sum Insured options from ₹ 50,000 to ₹ 5,00,000.
      • Medical screening is required only for people above 45 years of age.
      • For every claim free year, you get a Cumulative Bonus (the percentage at which your Sum Insured increases annually) of 5%, which may go up to a maximum of 50% of the basic Sum Insured.
      • You get family package discount of 5% or 10% if you add two or above two members to the policy, respectively.
      • By paying an extra 30% on the basic premium, you can add an optional critical illness cover to your policy.

          Benefits

          • Pre and post hospitalization expenses, day care procedures, nursing expenses, ambulance charges, coverage for expenses on Ayurveda and Homeopathic treatments, etc., are provided in this plan.
          • The plan has caps or limits (for reimbursement) on room-rent, ICU rent, daily allowance, Ayurvedic and Homeopathic treatments, etc., as specified in the policy.
          • Hospitalization expenses of the organ donor during an organ transplant are covered.
          • You also get reimbursement for Health checkup cost up to a maximum of 1.0% of average Basic Sum Insured. This coverage kicks in after your policy completes four claim free years.

              Plan Name : Swasthya Kavach Policy

                About the Plan

                This IFFCO Tokio health insurance policy is a policy which covers your entire family under one single plan. You can choose between Base Plan and Wider Plan according to your requirements. The premium will depend on the plan, sum insured, number of family members, and the age of the eldest insured member.

                • Wide range of Sum Insured options - Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs or Rs.5 lakhs.
                • A maximum of 2 adults and 3 children between the age 18 years and 60 years, and dependent children between age 3 months and 23 years, can be covered under this policy.
                • For every claim free year, a Cumulative Bonus of 5% is granted which can go up to a maximum of 50% of the basic Sum Insured.
                • If you choose the Wider Plan, you can add a critical illness cover to it by paying 30% extra on the basic premium.

                    Benefits

                    • Pre and post hospitalization expenses i.e. room rent, transportation, medical practitioner’s fees, cost of medicine and daily cash allowance, are covered.
                    • Domiciliary hospitalization is provided
                    • Organ donor expenses are also covered

                        While both the Base Plan and the Wider Plan offer the same benefits, the Wider Plan offers higher expense coverage in daily cash allowance, ambulance charges, pre and post hospitalization charges, reimbursement of health check-up cost, etc.

                            Plan Name : Critical Illness Insurance Policy

                              About the Plan

                              The combination of a sedentary lifestyle and rising pollution levels, critical illnesses like heart disease, renal failure, etc. have become commonplace. That is why having a critical illness plan in place is an absolute necessity now.
                              IFFCO Tokio’s Critical Illness Insurance Policy is a group plan that covers critical illnesses such as cancer, coronary artery diseases requiring bypass surgery, renal failure, major organ transplant, paralytic cerebral stroke, and accidental injuries resulting in loss of limbs.

                                  Benefits

                                  • This IFFCO Tokio health insurance policy provides protection only against critical illnesses listed under the policy.
                                  • The waiting period (i.e. the time after which an illness will be covered), is 120 days.
                                  • If a critical illness is diagnosed, then the company will pay a lump sum amount only once for treatment of a particular illness, as per the conditions of the policy.

                                      You can conveniently assess and compare IFFCO Tokio health insurance plans on Insurance Inbox to know which plan is the best fit as per your health insurance needs.

                                        Benefits

                                        Claim Process at IFFCO Tokio General Insurance

                                        The claim process is simple and convenient, and you can apply for a claim in two ways - Cashless Claim and Reimbursement Claim.

                                        Review of IFFCO Tokio General Insurance Company Limited

                                        As a customer-centric company, IFFCO Tokio conducts customer satisfaction surveys twice a year, to measure its operational efficiencies. The company also ensures speedy settlement of claims. With more than a decade of industry experience, robust IT infrastructure, economical pricing, and quick claim settlement process, IFFCO Tokio General Insurance Company is one of the leading companies in the insurance market today.

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