IFFCO Tokio Health Insurance for Senior Citizen

When it comes to senior citizen health insurance, Iffco Tokio has Swasthya Kavach Policy to offer. Covering medical expenses in an unmatched way, the policy ensures superior health protection to senior citizens without demanding a significant amount in return. Available in the form of two variants, namely Base Plan and Wider Plan, Swasthya Kavach Policy by Iffco Tokio, under its family floater option provides coverage for a maximum of 5 family members including self, spouse, and dependent children. Directly serviced by the insurer without the need of a TPA, the policy is nothing less than a boon for the elderly.

Key Features

• Wide health insurance coverage
• Sum insured options ranging between Rs. 2 Lakh to Rs. 5 Lakh in multiples of 1 Lakh
• 2 different plans to choose from - Base & Wider
• Coverage of 10 critical illnesses under Wider Plan
• Available on family floater sum insured basis
• Easy portability
• Guaranteed lifelong renewal
• 10% discount for existing customers

Scope of Coverage

• Hospitalisation expenses including doctor’s fees, cost of medicines, pathological tests, and others
• Pre & post hospitalisation expenses
• Emergency ambulance charges
• Daily allowance
• Emergency medical assistance services - At no extra cost
• Health check-up for family after every block of 4 claim-free years (Wider plan)
• Optional cover - Additional floater critical illness sum insured covering the whole family (Wider plan)
• Cumulative bonus of 5% on every claim free year, subject to a maximum of 50% (Wider plan)

Eligibility

For Iffco Tokio’s Swasthya Kavach Policy, while the minimum entry age for adults is 18 years, the maximum entry age is 65 years. Dependent children above 3 months can also be covered under the policy.

Exclusions

• Cosmetic or aesthetic treatment, general debility, intentional self injury, use of drugs, and others
• Naturopathy, acupuncture, alternative medicines, magnetic treatment, etc.
• Diseases contracted during the first 30 days of policy
• During the first year of the policy, the expenses on treatment of tonsillitis/adenoids, gastric or duodenal ulcer, any type of breast lumps
• During the first 2 continuous years, expenses on the treatment of cataract, hydrocele, hysterectomy for menorrhagia or fibromyoma, and others

Want to invest in Swasthya Kavach Policy, the ultimate senior citizen health insurance? Get in touch with InsuranceDekho experts at 1800 1205 698 to gain detailed information about the policy.