Iffco Tokio General Insurance Company Limited was established on 4th December, 2000. This company is a joint venture between Tokio Marine and Nichido Fire Insurance Co. Ltd. (Japans' largest insurance group) and the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates. It offers wide range of insurance policies on health, travel, home and trade.
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This policy offers basic coverage in the range of INR 1,00,000 and INR 5,00,000 for individuals of between age 5 years and 65 years.
Pre and post hospitalisation expenses,no claim bonus, day care procedures, Ayurvedic expense cover, etc., are benefits provided in this plan.
The plan has sub-limits (limits on room-rent, ICU rent, etc.) as specified in the policy.
Individual Medishield Insurance Policy- Base plan plus Critical Care
This Individual health insurance policy offers benefit of additional coverage of INR 1,00,000 to the base cover (mentioned above) after payment of 30 % more premium of the base plan premium.
Individuals between age 5 years and 65 years would be covered under this policy.
This is an extension of base plan which provides double coverage in case of critical illness. Pre and post hospitalisation expenses,no claim bonus, day care procedures, Ayurvedic expense cover, etc., are benefits provided in the plan.
The plan has sub-limits (limits on room-rent, ICU rent, etc.) as specified in the policy.
Health Protector
This plan offers coverage during illnesses/ injuries/ diseases which require hospitalisation.
Basic cover like pre and post hospitalisation expenses,no claim bonus, day care procedures, Ayurvedic expense cover etc., are benefits provided in the plan.
The plan has co-payment after first claim in the range of 7.5% to 20%.
Individual Personal Accident Insurance policy
This plan offers coverage in case of accidents in the range of INR 2,50,000 to INR 15,00,000 to individuals below age 65 years.
In this plan a lump sum amount in case is paid in case of accidental death, daily cash in case of illness & accident, it also covers permanent or temporary total disability, injuries with broken bones or burns as well as ambulance costs.
Health Protector Plus
This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) which offers coverage to individuals between age 18 years up to 65 years.
The coverage amount for this plan is in the range of INR 2,00,000 and INR 25,00,000 and the deductible amount is in range of INR 1,00,000 and INR 5,00,000.
The plan offers basic coverage like pre and post hospitalisation expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.
There are 8 variants of this plan which offers different sum insured values
Family Health Plans
Swasthya Kavach Policy Base Plan
This is a basic family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 5,00,000.
A maximum of 2 adults and 3 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this policy.
Pre and post hospitalisation expenses, No sub-limits, No-claim bonus, cashless benefit, hospital expense cover, ambulance cover, etc., are provided in the plan.
Swasthya Kavach Policy Wider Plan
This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 5,00,000.
A maximum of 2 adults and 3 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this policy.
The wider plan offers higher expense coverage in case of daily cash, reimbursement of health check-up cost, no sub-limits, etc.
Family Health Protector Policy
This is a family floater plan which covers health costs of the entire family.
Illnesses or injuries or diseases which require hospitalisation are covered in this plan.
Basic cover like pre and post hospitalisation expenses,no claim bonus, day care procedures, Ayurvedic expense cover, etc., are benefits provided in the plan.
This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) for individuals from age 18 years up to 65 years.
The coverage amount for this plan is in the range of INR 2,00,000 and INR 25,00,000and the deductible amount is in the range of INR 1,00,000 and INR 5,00,000.
The plan offers basic coverage like pre and post hospitalization expenses, no sub-limits, no-claim bonus, hospital expense cover, ambulance cover, etc.
There are 8 variants of this plan which offers different sum insured values.
Swasthya Kavach Policy Wider Plan with Critical Illness
This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 5,00,000.
A maximum of 2 adults and 3 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this policy.
In addition to providing wider coverage this health insurance plan provides additional critical illness coverage.
