IFFCO Tokio Health Protector Policy

You all know that Health Insurance is essentially an agreement between the health insurance companies and peoples those who seek insurance policy for health. ‘Health is Wealth’ and no one can over look this universally accepted thought. So it is a primary responsibility to all to save our wealth in proper way. But due to expensive medical treatments, it becomes a troublesome factor. A proper health insurance policy plays a key role in such case. That is why IFFCO Tokio offers the best Health Protector Policy for your entire family. IFFCO Tokio Health Protector Policy provides coverage for hospitalization expenses, cost of medication and various other type of financial loss that occur during serious health hazards. This write up will give you a clear idea about IFFCO Tokio Health Protector Policy.

Key features of IFFCO Tokio Health Protector Policy

  • The policy tenure is 1 year. But you can take this plan for short term basis.
  • No limit for policy renewal.
  • Persons between the age group of 18-65 years can but this policy.
  • Children can be covered from the day one.
  • Self, spouse, children, brother, sister, brother-in-law, sister-in-law, and any other relatives dependent on you can included under this IFFCO Tokio Health Protector Policy.
  • Medical test is required for individuals between the age group of 45 to 55 years and 55 to 65 years.
  • Sum Insured is ranging from 1.5 lakh to 5 lakhs.

IFFCO Tokio Health Protector Policy Benefits

  • Under this health insurance policy, you can get the benefit of room rent expenses during hospitalization, hospital registration and service charges.
  • You can avail the nursing expenses coverage during hospitalization.
  • Expenses on Medical Practitioner, Surgeon, Anesthetist, Consultant and specialist’s fees are covered under this health insurance plan.
  • Pre-hospitalization is covered for a maximum of 45 days and post-hospitalization is covered for 60 days.
  • Provides ambulance charges 1% of total Sum Insured or Rs. 2500, whichever is less.
  • IFFCO Tokio Health Protector Policy offers coverage for Blood, Anesthesia, Oxygen, Surgical Appliances, Operation Theatre, Medicines and Drugs, Pacemaker, Diagnostic Materials and X-ray, Artificial Limbs and Organs, Dialysis, Radiotherapy, Chemotherapy expenses.
  • Domiciliary expenses are covered up to a sub-limit of 20% of the Basic Sum Insured.
  • 121 day-care surgical procedures are covered under IFFCO Tokio Health Protector Policy.
  • Homeopathy, Ayurveda, Unani and Sidha hospitalization costs are also covered up to a certain limit.
  • Cost of health checkup is also included under this health insurance policy.

Critical illness coverage

  • Coverage for Cancer of certain severity.
  • First heart attack.
  • Open heart replacement surgery
  • Coma of specified severity.
  • Stroke leading to permanent damage.
  • Kidney failure needs regular dialysis.
  • Major organ transplantation and bone marrow transplantation.
  • Permanent paralysis etc.

Highlights of IFFCO Tokio Health Protector Plan

  • This policy offers provision for senior citizen.
  • IFFCO Tokio Health Protector Plan provides vaccination expenses.
  • 5% Cumulative Bonus is granted of basic Sum Insured on next renewal followed by a claim free year.
  • You can enjoy hassle free claim settlement on buying IFFCO Tokio Health Protector Plan.
  • Cashless claim facility is available in 4000 network hospital across the India.