IFFCO Tokio Swasthya Kavach Family Health Insurance

IFFCO Tokio Family Health Insurance plan is known as Swasthya Kavach. This insurance policy provides health coverage like medical treatment, hospitalization etc, for family. IFFCO Tokio Swasthya Kavach Family Health Insurance Policy not only provides coverage for your family but also helps individual in medical emergency. In other words, it can be said that when it comes to talk about any health insurance plan, IFFCO Tokio Swasthya Kavach Family Health Insurance policy stands first.

• ✔Entry age for adult of this plan is 18 years to 65 years.
• ✔Entry age for children is 3 months to 23 years.
• ✔Insured person should be an Indian.

• ✔Different Sum Insured options are available on floater basis – 2 lakhs, 3 lakhs, 4 lakhs, and 5 lakhs.
• ✔Two types of plan available – Base plan and Wider Plan.
• ✔Provides cashless hospitalization facilities on more than 3000 hospitals across the India.
• ✔Offers coverage for self, spouse and dependent children.
• ✔You can avail affordable premium option under this plan.

• ✔Coverage for pre and post hospitalization expenses. For Base Plan 7% of hospitalization charges, for a maximum of Rs.7, 500 and for Wider Plan, there is no limit for hospitalization charges.
• ✔Ambulance charges coverage is included in this plan. For Base Plan, you can avail only Rs 750 and for Wider Plan you can get Rs. 1500.
• ✔For Base Plan, ICU/ITU charge is 2% of the basic Sum Insured daily and for Wider Plan, 2.5% of basic Sum Insured daily.
• ✔Domiciliary hospitalization treatment costs up to a maximum of 20% of the basic Sum Insured.
• ✔According to this Swasthya Kavach Family Health Insurance Policy of IFFCO Tokio, hospitalization expenses of persons while donating organs during organ transplant of the insured person.
• ✔Coverage for all kinds of nursing expenses.
• ✔Offers prearranged package costs of hospitals for specific treatments up to 80% of Sum Insured or 80% of actual expenses, whichever will be less.
• ✔All types of medical practitioner’s fees are covered under IFFCO Tokio Swasthya Kavach Family Health Insurance plan.
• ✔Expenses of blood, oxygen, medicine, diagnostic and pathologic tests, anaesthesia, operation theatre charges, prosthetic limbs, dialysis, pacemaker etc.
• ✔Insured person can avail room rent charges.
• ✔Registration, service charges and other hospital charges are covered up to a maximum of 0.5% of the Sum Insured.
• ✔Daily allowances are included under this plan. For Base Plan, it will be Rs. 150 per day and for Wider Plan, it will be Rs. 250 per day.

• ✔5% free enhancement of Sum Insured is granted if you do not make any claim in a year.
• ✔No medical check-up is required up to age of 45 years.
• ✔You can opt for optional critical illness extension on the Wider Plan.
• ✔No co-pay option under the policy and the full entitled claim is paid without any deductions.
• ✔24x7 call centre facility for a hassle-free in-house claim process.

• ✔Any pre-existing illness for a period of 4 years from the date of insurance.
• ✔An initial 30 days waiting period for newly incurred illness/ diseases.
• ✔Expenses on spectacles, contact lens, dental treatment and hearing aids.
• ✔Convalescence, congenital diseases/defects, general debility, sterility, pregnancy associated diseases.
• ✔Cost of external medical equipments, HIV/AIDS associated diseases are excluded from the IFFCO Tokio Swasthya Kavach Family Health Insurance plan.
• ✔Hospitalizations resulting from war, terrorism and nuclear risks.
• ✔Costs of naturopathy, acupressure, acupuncture, magnetic and similar therapies etc.

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