IFFCO Tokio Health Insurance for Kids

Iffco Tokio’s Individual Medishield Policy is a superior choice for health insurance for kids. Affordable and reliable, Individual Medishield Policy provides coverage for children between the age of 3 months and 5 years, if both parents are covered under the health insurance concurrently. Though available on individual sum insured basis, Individual Medishield Policy, when availed in form of Family Package Cover, includes dependent children (unmarried children under the age of 23 years), apart from spouse & dependent parents. What’s best is that on opting for Family Package Cover, one gets a discount on premium if the Family Package cover is availed.

• Guaranteed renewal for life
• Sum insured options ranging between Rs. 50,000 to Rs. 5,00,000 in multiples of Rs. 50,000
• Emergency medical assistance services
• Tax benefits under Section 80D of the Income Tax Act
• Add-on to enhance benefits - Critical Illness Cover
• 10% discount in policy premium for existing customers
• Family Discount - On covering 2 members (5% discount) and on covering 3 family members (10% discount)
• Free look period - 15 days

Scope of Coverage

• Nursing expenses and other related fees covered
• Pre & post hospitalisation medical expenses
• Coverage for organ donor expenses
• Day care surgeries covered - Up to 121
• AYUSH hospitalisation coverage - Up to 10% of sum insured
• Critical illness cover - Benefit available on additional payment of 30% of basic premium
• Domiciliary hospitalisation - Up to a maximum aggregate sub-limit of 20% of sum insured
• Health check up – Covered once in a block of four claim-free years @1% of basic sum insured

Eligibility

Individual Medishield Policy features a minimum entry age of 3 months. The maximum entry age for the policy is 60 years. Note that the policy covers children between the age of 3 months and 5 years if both parents are covered.

Exclusions

• Any claim that arises or is related to HIV/AIDS
• All claims that arises from or are related to pregnancy
• Claims related to war, terrorism and nuclear risks
• Any expenses incurred on spectacles, contact lenses or hearing aids
• All non-medical expenses incurred, including those for personal comfort and convenience

Is Individual Medishield Policy the ideal choice for health insurance for kids? Let InsuranceDekho experts help you gain more knowledge about the policy at 1800 1205 698.