IFFCO Tokio Individual Medishield Policy

IFFCO Tokio Individual Medishield Health Insurance Policy is an ideal health plan as it fulfills all the requirements of policyholders. This plan provides coverage for you as well as for your family. If you wish to buy a health insurance plan for you and also for your family, then definitely you need to go for Medishield Policy of IFFCO Tokio. This write up will help you to know more about this policy. Just take a glance.

Eligibility of IFFCO Tokio Individual Medishield Plan

• ✔Person between the age group of 3 months to 80 years can buy this policy.
• ✔Children between the age group of 3 months to 5 years can be covered under this plan.
• ✔Below 23 years dependent children can be covered under this IFFCO Tokio Individual Medishield Policy.

• ✔You can avail Pre and Post Hospitalization medical expenses benefits under this plan.
• ✔No medical check-up is required up to the age of 45 years.
• ✔If anybody donating an organ to the insured person, then company will pay all the hospitalization expenses.
• ✔121 day-care procedures and surgeries are covered under this policy.
• ✔Nursing expenses, including pre and post hospitalization periods are covered under this plan.
• ✔This plan offers 1% of Basic Sum Insured for daily allowance, which subject to a maximum of Rs. 250 per day.
• ✔You can get unique add-on cover for the Critical Illness extension coverage.
• ✔Immediately after purchasing the policy, you will get a digitally signed copy.
• ✔Ambulance charges are covered up to a maximum of Rs. 1500.
• ✔Policyholder can avail the benefit of room rent and ICU charges.
• ✔Under this IFFCO Tokio Individual Medishield Plan, you can get domiciliary hospitalization expenses.
• ✔This plan offers the benefit of surgeon and medical practitioner fees.

• ✔According to IFFCO Tokio Individual Medishield Policy, insured can get Income tax rebate under section 80D of the Indian Income tax Act, 1961.
• ✔Pre-existing illness or disease exclusion is applicable only for the first 3 to 4 years.
• ✔No provision for co-payment under this policy.
• ✔Hassle-free claim settlement procedure for IFFCO Tokio Individual Medishield Plan.
• ✔This plan offers portability.
• ✔For Family Package cover, if two persons are covered you can avail a discount of 5%. And if more than two people are covered, this discount becomes 10%.
• ✔Cumulative Bonus of 5% is granted for each claim free year.

• ✔Pre-existing diseases or illnesses are not covered for a period of 3 years.
• ✔Expenses on spectacles, contact lens or other hearing aids are excluded from this plan.
• ✔IFFCO Tokio Individual Medishield policy refuses to give coverage for dental treatment expenses.
• ✔Cost of external medical equipment is also excluded from this policy of IFFCO Tokio.

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