IFFCO Tokio Swasthya Kavach Health Insurance

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)

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

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.

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

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%.

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

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.