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Pay the base premium for comprehensive health insurance with 0% GST. Enjoy better financial stability and reasonably priced protection without additional taxes with No GST.
A family health insurance plan is enough to safeguard the future of your loved ones.
Customize your health insurance to best suit specific needs of each family member.
Boost your existing coverage to get a higher sum insured at a lower premium.
Coverage for unforeseen events like accidents resulting in disability, or untimely demise.
A comprehensive health insurance plan designed for Indian residents and expatriates living in India for at least one year.
Insurance plans that specifically cover accidental hospitalization along with personal accident coverage, offered at an affordable premium.
Covers expenses for room rent, surgical expenses, consultations, registration, etc.
60 days of pre-hospitalization, 90 days of post-hospitalization
Up to 380 day-care procedures.
Prescribed medication is covered in pre and post-hospitalization.
Covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatments.
Ambulance expenses covered in case of hospitalization.
Expenses for treating life threatening diseases are covered.
The sum insured is refilled after a claim, allowing you to use the coverage again-usually with an extra premium.
Includes coverage for advanced procedures such as robotic surgery, stem cell therapy, and more.
Improvement in one’s appearance does not qualify as a medical condition.
Any self-inflicted injuries are typically not covered
No coverage for injuries suffered due to adventure sport, war, nuclear explosion
You can get a hospital room as per your preference, with no capping on room rent.
Double your sum insured if you get diagnosed with life-threating illness.
Treatment essentials, like gloves, syringes, masks, etc., can be covered with this add-on.
Avail valuable benefits like free teleconsultations, discount services, and rewards along with discounts on renewal.
Coverage for natural occurrences like pregnancy or childbirth.
Get coverage for dental procedures like root canals, extractions, fillings, and preventive care.
Get coverage for OPD consultations and diagnostic services.
| Health Insurance Features | Benefits |
|---|---|
| Sum Insured (INR) | Up to 1 Crore |
| Network Hospitals | 8,000+ Across India |
| Pre-Hospitalization | Usually 60 Days |
| Post-Hospitalization | Usually 90 Days |
| Ambulance Expenses | Covered |
| Coverage for Accidents | From Day 1 |
| Tax Benefit | Up to Rs. 1 Lakhs |
| Co-pay | Nil |
| Critical Illness | Covered |
| No medical test | Upto 60 years |
| Day Care Cover | 383 procedures covered |
| Online Renewal | Available |
| Wellness Benefits | Covered |
Disclaimer: For detailed information about coverage and exclusions, please refer to the policy wording document.
You can add a Wellness Program to your health insurance, which includes the following services:
Value Added Services |
Discounted Services |
Rewards |
|---|---|---|
| Cashless Tele Health Consultation | E-pharmacy | Aim to motivate & provide Incentive |
| Mental Health Helpline | Health check-ups and Diagnostics | Reward for healthy habits |
| Medical Second Opinion | Dental & Home Care | Reward Points for Tracking your health |
| Diet Management | Nutritional Counselling | Reward Points for Enrolment in Disease Management Program |
| Calorie trackers & Sleep Tracker | Financial & legal Wellness Consults | Reward Points for Walk towards a healthy lifestyle (based on steps walked per day) |
| Fitness & Yoga Session | Metabolic Profiling for personalized recommendations | Reward Points for Fitness activities |
| Guided Meditations and Mental Health Podcasts | Reward Points for Enrolment in Self-Care Plans like meditation/ diet plans | |
| Online Health Quiz, Expert Webinars |
Our customers have rated us
Based on 2378 reviews
I chose this essential health insurance plan because it offers wide coverages like dental, maternity and more.
Their family health insurance policy covers me, my spouse, and kids, all in one plan. Very helpful!
Very transparent and reliable insurance provider.
I’m happy they included pre-existing disease coverage after a short waiting period.
The policy even has a room rent waiver, which saved us a lot during hospitalization.
Great customer satisfaction.
There are two ways to make claims on your health insurance plan: Cashless and Reimbursement. Here's how each method works:
To apply for a reimbursement, claim after receiving treatment and paying your hospital bills, please follow these steps:
Initiate:
Inform us at 1800 103 5499 within 7 days of discharge.
Document Submission:
Submit claim documents to our local office address.
Claim Settlement:
Once verified and approved, you will receive the claim amount.
Get cashless treatment at one of our network hospitals. The cashless claim process involves three simple steps:
Intimation:
Inform our network for cashless approval
Hospitalization:
Hospitalization can be done on the basis on pre-approval
Claim settlement:
Claim settlement directly with the hospital at the time of discharge.
Duly filled claim form with your signature and a valid ID.
Doctor's prescription for hospitalization, tests, and medications.
Original pharmacy bills, ambulance receipts, discharge summary slips.
Any other documents that we may require for your claim adjudication
Get Cashless Treatments in 8000+ Network Hospitals
You can easily buy or renew your health insurance plan from anywhere.
Once you make the payment online, your policy gets renewed instantly.
Access your health insurance policy within minutes after making the payment online.
You can use our online portal to purchase or renew a policy anytime during the day or night.
You can buy or renew your health insurance policy with minimum effort.
No paperwork is required as the policy documents are mailed to you directly.
Make payments through secure payment via credit card, debit card, UPI, or net banking.
With minimal steps involved in buying or renewing policy online saves significant effort of yours.
With no third-parties involved in the journey, you save money on commission.
To be eligible to purchase a health insurance plan in India, you must consider the following factors:
Generally, the age to purchase a health insurance plan in India is between 18 and 60 years old.
Currently, IFFCO Tokio covers Indian nationals residing in India only.
Your medical history is very much considered to assess any pre-existing conditions or other health risks.
Any lifestyle pattern that may affect your well-being, like smoking or alcoholism, may affect your eligibility as well as the premium of your health insurance plan.
If you are engaged in a high-risk activity, there might be some special eligibility criteria to ascertain the level of risk and provide you with a plan with maximum protection.
Disclaimer- Please note that the Tax benefits are as per the current tax laws prevailing in the country and may changes subject to tax laws. it is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
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