IFFCO Tokio Individual Medishield Health Insurance

When it comes to major highlights of Individual Medishield Policy, note that the policy has multiple to offer. Room rent expenses; fees of surgeon, specialist & consultant; cost of blood, oxygen, anesthesia and others are a few prime features covered under the policy. Moreover, apart from offering cover for pre & post hospitalisation expenses and hospitalisation expenses for organ donor, Individual Medishield Policy also provides coverage for -

• AYUSH hospitalisation expenses (up to 10% of sum insured)
• Domiciliary hospitalisation expenses, if medically necessary (up to a maximum aggregate sub-limit of 20% of sum insured)
• Emergency Medical Assistance Services
• Daily allowance amount equivalent to 0.1% of the basic sum insured or Rs. 250 per day, whichever is less
• Ambulance charges limited to 1.0% of basic sum insured or Rs. 1500, whichever is less for each claim
• Cumulative bonus - 5% increase in basic sum insured at each renewal in respect of each claim free year, subject to maximum of 50%
• Cost of health check-up - Reimbursement amount not exceeding 1% of the average basic sum insured during the block of 4 claim free years
• Optional cover - Reinstatement of sum insured 
• Optional cover - Critical illness (on additional payment of 30% of basic premium)

Individual Medishield Policy is a complete health insurance product you can go for without having any doubt in mind. With its diverse features and multiple benefit areas, the policy comes up as an apt choice. However, also present in the policy, are a few elements that increase its value in a significant manner. The additional features include - 

• Lifelong renewal 
• Easy policy portability
• Directly serviced by Iffco Tokio, without any TPA 
• Income tax benefits under Section 80D of the Income Tax Act
• Easy cashless claim settlement available at over 4000 network hospitals across India

To conclude, choose Individual Medishield Policy if you want your future secure in terms of health and financial stability. The policy won’t let you face disappointment or inconvenience when the emergency occurs. 

To make the purchase process easy and quick, opt for online mode so that you can get your policy issued soon. Selecting InsuranceDekho as the platform will benefit you regarding claim settlement support, policy transparency & portability, and other additional benefits.

A range of sum insured options is available under the Individual Medishield Policy that starts from Rs. 50,000 and continues up to Rs. 5 Lakh, in multiples of Rs. 50,000.

Yes, the plan provides portability feature for its customers with the help of which the policyholders can switch from a similar policy of any insurer to the plan of Iffco Tokio. This option protects the continuity benefit of the policyholders as per IRDAI guidelines. 

Yes, Individual Medishield Policy extends its coverage for dependent parents.  

This health insurance policy allows to cover up to 5 family members, which includes self, spouse, dependent kids (up to the age of 23 years), and dependent parents.