IFFCO Tokio Family Health Protector Health Insurance

IFFCO Tokio understands the importance of a family in everyone’s life. On this note, it offers a plan called Family Health Protector Policy to provide comprehensive coverage to families. The cover holds several features to ensure it fulfills the healthcare-related needs and expectations. It is a reliable family health insurance plan for the entire family that includes spouse, dependent kids, dependent parents, in-laws living together, some dependent relatives and so on. Want to know more about the IFFCO Tokio Family Health Protector Health Insurance plan, read through the section to know more.

IFFCO Tokio Family Health Protector Health Insurance at a Glance

Coverage	Family
Riders	Hospital Daily Cash, Ambulance Charges
Variants	N/A
Key features	Family plan, Higher sum insured for critical illness, etc
Inclusion	Pre and post hospitalisation expenses, AYUSH Treatment, Modern treatment, etc
Exclusion	Infertility treatment, Any unproven treatment, OPD expenses, etc

Key Features of IFFCO Tokio Family Health Protector Health Insurance Plan

Listed below are some of the key features of the IFFCO Tokio Family Health Protector Health Insurance:

• Family Plan: As the name suggests, the IFFCO Tokio Family Health Protector Health Insurance is a family plan. With this medical insurance plan offered by IFFCO Tokio Health Insurance, one can secure the whole family with a single premium that comprises members from newborns to senior citizens.

• No Room-rent Capping Above Rs. 7 lakhs: With the IFFCO Tokio Family Health Protector Health Insurance Plan, there will be no capping on the room rent if the sum insured opted for is more than Rs. 7 lakhs. This means that you choose a hospital room of your choice if the sum insured is Rs. 7 lakhs.

• No Capping for Critical Illness: If the sum insured is more than Rs. 7 lakhs, then there will be no capping for critical illness expenses. This implies that the total expenses will be reimbursed for critical illnesses.

• Reinstatement of Sum Insured: To provide you with unlimited coverage, the sum insured of the IFFCO Tokio Family Health Protector Health Insurance Plan gets restored after a health insurance claim.

Eligibility Criteria of IFFCO Tokio Family Health Protector Health Insurance Plan

Family Health Protector Plan is one of the best Family Health Insurance Plans. The eligibility criteria of the same are as follows:

Parametres	Eligibility Criteria
Minimum entry age for child	91 days
Minimum entry age for adult	18 years
Maximum entry age for adult	65 years
Maximum entry age for child	25 years
Renewability	Lifelong

Benefits of IFFCO Tokio Family Health Protector Health Insurance

Listed below are some of the benefits of the IFFCO Tokio Family Health Protector Health Insurance plan:

• Sum Insured: To deliver proper coverage to all the family members the plan holds the sum insured that ranges between Rs. 1,50,000 and Rs. 30,00,000. The extensive cover option helps policyholders ensure that the sum insured is not exhausted in a single-member treatment. Thus, depending on your budget, you can choose the right sum insured for yourself.
• Coverage: The IFFCO Tokio Family Health Protector Health Insurance plan provides pre and post hospitalisation cover, alternative treatment expense coverage, health check-up and vaccination cover, daycare treatment coverage, free look period, etc. The plan also comes with a lifelong renewability option that enables the policyholders to enjoy the benefits of the plan forever.
• Add-ons Benefits: You can also include a number of add-ons to your IFFCO Tokio Family Health Protector Health Insurance plan to get enhanced coverage. Some of the add-on options available include Daily Allowance, Ambulance Charges, etc. These add-ons are however available at additional health insurance premiums.

• Tax Benefits: With the IFFCO Tokio Family Health Protector Health Insurance plan, you can also save on taxes. As per section 80D of the Income Tax Act of 1961, you can save your taxes on health insurance premiums. Thus, you can save on taxes as well as get extensive health insurance coverage for your family with the IFFCO Tokio Family Health Protector Health Insurance plan.

Add-ons Available with IFFCO Tokio Family Health Protector Health Insurance Plan

Some of the add-ons available with the IFFCO Tokio Family Health Protector Health Insurance plan are as follows:

• Daily Allowance: Daily Allowance or Hospital cash is a type of add-on that you if you are hospitalised for more than 24 hours.

• Ambulance Charges: This add-on provides coverage for ambulance-related expenses. A maximum of Rs. 2500 is given for ambulance expenses with this add-on.

Inclusions and Exclusions of IFFCO Tokio Family Health Protector Health Insurance Plan

Inclusions:

• Hospitalisation Expenses: All the hospital expenses are covered if the sum insured chosen is more than Rs. 7 lakhs.
• Medical practitioner fee
• Organ donor expenses
• Domiciliary Hospitalisation: Covered up to 20% of the sum insured
• AYUSH Treatment: Covered up to the sum insured
• Cost of Health Check-up: Up to 1% of the sum insured
• Any injury due to terrorist activity is covered up to the sum insured
• Modern treatment expenses are 50% of the sum insured
• Daycare procedures: All day care procedures are covered as listed on the policy document

Exclusions:

• Pre-existing medical conditions up to the waiting period
• Any expenses related to eyesight correction, laser operation, cost of spectacles
• OPD expenses
• Dental treatment
• Any expenses related to dietary supplements
• Infertility treatment
• Rest Cure, rehabilitation, and respite care
• Any expenses related to treatment of alcoholism
• Any unproven treatment
• Any hospitalisation due to involvement in adventurous activities

Documents Required to Buy IFFCO Tokio Family Health Protector Health Insurance Plan

Some of the documents required to buy IFFCO Tokio Family Health Protector Health Insurance plan:

• A duly-filled application form
• PAN card
• Aadhaar card
• Bank passbook details
• Income proof
• Copy of medical report
• Copy of previous health insurance policy

How to Buy IFFCO Tokio Family Health Protector Health Insurance Plan?

Here are some easy steps in which you can buy the IFFCO Tokio Family Health Protector Health Insurance plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Family Health Protector" from the list of health insurance companies.
• Then, select "Health Companion" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of IFFCO Tokio Family Health Protector Health Insurance Plan

There are two types of claims you can raise with IFFCO Tokio Family Health Protector Health Insurance Plan, cashless and reimbursement claim. Under cashless claims, you need not spend anything from your pocket, and on the other hand, in reimbursement claims, the total medical expenses will be reimbursed to you after claim settlement.

Cashless Claim Process

• Visit a nearby Ifco Tokio's network hospital
• Inform the insurance company about the hospitalisation and fill out the pre-authorisation form
• Submit documents such as policy papers and others along with the form to Niva Bupa
• IFFCO Tokio will then verify all the documents
• Once, everything has been approved, the hospital bills will be directly settled by IFFCO Tokio

Reimbursement Claim Process

• Choose a nearby non-network hospital
• Under reimbursement claim, you need to first pay for the medical expenses from your own pocket
• Next, raise a claim on the IFFCO Tokio website
• Submit all the documents along with your claim form
• IFFCO Tokio will then verify the claim request
• Once approved, all the medical expenses will be reimbursed