In today’s time, health safety is a vital issue. Due to rising cost of medical expenses, it has become necessary to choose a good health insurance policy. IFFCO Tokio Individual Health Protector Health Insurance Plan is an innovative option in this direction. In this article, we will analyze the various aspects of this plan in detail, so that you can understand whether this plan suits your needs or not.
Main features of the plan
Individual Health Protection: This plan is designed for specific individuals, which provides financial protection to the individual in case of illness or accident.
Option of Sum Assured: Policyholder can choose the sum assured from ₹50,000 to ₹20 lakh as per his needs and budget.
Umar Seema: Persons between 18 to 65 years can take this policy. Apart from this, children of 91 days or older can also be covered.
Lifetime Renewal: The policy can be renewed throughout life, without any age limit.
Cashless Hospital Network: IFFCO Tokio has more than 4,000 cashless hospitals across the country, where you can get treatment without advance payment.
Tax Benefits: You get tax benefit on the premium of this policy under section 80D of the Income Tax Act.
Coverage Details
In-Patient Hospitalization: Room rent, nursing charges, doctor fees, and other medical expenses are covered upon hospitalization.
Pre-Hospitalization Expenses: Medical expenses incurred up to 45 days before hospitalization are covered.
Post-Hospitalization Expenses: Medical expenses up to 60 days after discharge are covered.
Day Care Procedures: Medical procedures that are completed in less than 24 hours, such as dialysis, chemotherapy, are also covered.
Domiciliary Hospitalization: If due to some reason it is not possible to be admitted to the hospital and you have to be treated at home, this policy provides cover in such cases also.
AYUSH Treatment: Alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are also covered under the policy.
Ambulance Charges: Expenses related to ambulance during hospitalization are also covered in the policy.
Organ Donor Expenses: Organ donor expenses are also covered under the policy.
Additional Benefits
Free Health Check-Up: After every 2 claim-free years, policyholders get the benefit of free health check-up.
E-Consultation: Policyholders have the facility of unlimited e-consultation, through which they can get advice from the doctor online.
Daily Cash Allowance: On choosing shared accommodation during hospitalization, the policyholder gets a daily cash allowance of ₹1,000 per day.
Renewal Discount: To maintain healthy lifestyle and physical activity, up to 8% discount is given on policy renewal.
Waiting Periods
Initial Waiting Period: 30 days from the inception of the policy, no claim can be made for any illness, if not related to the accident.
Specific Illness Waiting Period: There is a waiting period of 1 year for some specific diseases, after which a claim can be made for them.
Pre-Existing Disease Waiting Period: There is a waiting period of 3 years for any pre-existing disease, only after which a claim can be made for this disease.
Exclusions
Cosmetic Surgery: Surgeries performed to enhance beauty are not covered in the policy.
Self-Inflicted Injuries: To injure a cow who caused harm to herself
