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IFFCO Tokio Swasthya Kavach Health Insurance

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IFFCO Tokio Health Insurance
Swasthya Kavach Policy
Claim Settlement Ratio96.33%
Network Hospitals7,500+
PED Waiting Period3 years
Starting Premium (for 5L SI)Rs. 584/month

About IFFCO Tokio Swasthya Kavach Health Insurance

Iffco Tokio stands on top in delivering the best family health insurance plans. Its family floater plan is known as Swasthya Kavach Policy. It is a complete medical insurance policy that promises to safeguard individuals and families from various health issues by offering the best coverage for medical expenses. Under the coverage, the plan provides proper healthcare facilities not just during the actual hospitalisation, but before and after hospitalisation as well. In addition to these offerings, the policy also looks after the emergency medical evacuation, consultation, health assessment and different referral options for its policyholders.

The plan is available in two parts, i.e., Base Plan and Wider Plan. It tries to ensure that every family receives advance treatment without thinking about financial hassles. With affordable premium options, this health plan makes people avail the cashless hospitalisation facility in 4000+ network hospitals across the nation. Under Iffco Tokio Swasthya Kavach Plan, the policyholder along with his or her family can get the coverage under a single sum insured. No additional premium is required to add more members of the family in the plan. In short, by investing in this, you can easily enjoy an extensive and complete health cover and can earn peace of mind too.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cost of health check-up
  • Daily allowance is offered
  • Lifelong renewability option
  • Portability feature is available
  • Ambulance charges are covered

What's Not Included

  • Cost incurred on aesthetic procedures
  • Pre-existing diseases during the first 48 months
  • Diseases occurred during waiting period
  • Injury occurred due to self-inflicted action
  • Naturopathy, magnetic treatment, etc.

1187 IFFCO Tokio Cashless Network Hospitals in India

Swasthya Kavach Policy User Reviews

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Add-ons to Enhance Benefits

  • Critical Illness

    An optional or add-on coverage is provided under the plan for critical illness by paying a little extra premium. As per this coverage, the sum insured amount gets doubled in respect of 10 specific significant diseases by only paying 30% extra amount on the basic premium.

IFFCO Tokio Swasthya Kavach Policy Expert Review

  • Expert Review

    True to its name, Swasthya Kavach Policy provides you with complete health protection without breaking your bank. An excellent policy by Iffco Tokio, Swasthya Kavach Policy is a family floater plan that helps you get financially covered for emergency medical treatments and receive superior care, even when you cannot afford to pay hefty bills. Overall, it can be said that if you are looking for a policy worth investing in for the health safety of your family, this is it!

    While the policy is eligible for adults belonging to the age group 18 years to 65 years, it also covers dependent children above 3 months. Note that Swasthya Kavach Policy secures the health of maximum 5 family members including self, spouse, and dependent children (up to the age of 23 years). Available in two policy plans, namely Base and Wider, Swasthya Kavach Policy comes with a range of sum insured options starting from Rs. 2 Lakh to Rs. 5 Lakh in multiples of Rs. 1 Lakh. 

  • Major Attractions

    Swasthya Kavach Policy is quite popular, owing to the fact that it provides one with the freedom to undergo medical treatment and leave all financial concerns aside. The policy can be a savior for you too, if you want a plan that frees you from worrying about hospitalisation expenses covering doctor’s fees, cost of medicines, prosthetic devices, transplants, and dental surgery & treatment. The others in the inclusion list comprise -

    • Daily allowance - Rs. 150 per day (Base plan) and Rs. 250 per day (Wider plan) 
    • Emergency Medical Assistance Services - At no extra cost
    • Defined day care surgeries (Base & Wider plan)
    • Extensive coverage (optional) of 10 critical illnesses under Wider plan
    • Emergency ambulance charges - Rs. 750 or actual, whichever is less for each claim (Base plan); Rs. 1500 or actual, whichever is less (Wider plan)
    • Sub-limit per day for normal room expenses - 1.0% of the sum insured (Base plan) and 1.5% of basic sum insured (Wider plan) 
    • Sub-limit per day for Intensive Care - 2.0% of the sum insured (Base plan) and 2.5% of the sum insured (Wider plan) 
    • Cumulative Bonus - Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured (Wider plan)
  • What’s More?

    Swasthya Kavach Policy is Iffco Tokio’s prime policy that comes inbuilt with numerous features and benefits that make the insured free from  financial concerns of any kind. Apart from coverage for basic expenses, Swasthya Kavach Policy has also an array of additional elements to offer. The list includes -

    • Lifelong renewability feature 
    • Hassle-free, cashless claim settlement
    • Directly serviced by Iffco Tokio, no involvement of TPA 
    • Easy policy portability
    • 10% discount in policy premium for existing customers 
    • Income tax benefits under Section 80D of the Income Tax Act
  • Conclusion

    Swasthya Kavach Policy is definitely worth investing in. A supreme combination of beneficial features and extensive coverage, the policy fulfills its promise of keeping the financial and physical & mental health of the insured intact.

    If purchasing Swasthya Kavach Policy by Iffco Tokio seems to be the perfect decision to you, make sure you buy the policy online to get it issued quickly. Additionally, it would be best if you pick InsuranceDekho as your platform to purchase the policy online and gain policy transparency & portability, claim settlement support, and various other additional benefits.

IFFCO Tokio Swasthya Kavach Policy Brochure

  • 680.05 KB
  • PDF Document
  • Jul 28, 2019

Claim Process at IFFCO Tokio Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate 3 days prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Swasthya Kavach Policy Health Insurance Plan

  • What is the age limit to get covered under Iffco Tokio Swasthya Kavach Policy?

    People between the age group of 18 years and 65 years can get coverage under this policy. Besides, dependent children above the age of 3 months are eligible to be covered.

  • What are the relationships that can be covered under this policy?

    The Swasthya Kavach Policy provides the coverage to different relations like Self, Spouse, Dependent Children (up to the age of 23 years).  


  • Does Swasthya Kavach Policy by Iffco Tokio provide any discount to its policyholders?

    Ans. Yes, the plan offers discounts in different categories, such as:

    1) Existing Customers - A discount of 10% in policy premium is offered for the customers who are already holding any insurance plan of Iffco Tokio. 

    2) Group Mediclaim Discount - A discount of 10% is provided for employees who are covered under any group mediclaim policy issued by the insurer for the sum insured amount of Rs. 4 Lakh and above 

    Note: The discounts are applied on a cumulative basis, and their maximum limit is of 25%.

  • Does Swasthya Kavach Policy own any variant under it?

    Yes, the plan holds two variants under it, which are known as the Base Plan and Wider Plan. 


  • For how long I need to get hospitalised to seek a claim?

    You can request for the claim only after getting hospitalised for at least 24 hours. Only in the case of daycare treatment, the hospitalisation time can be less than 24 hours.

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