Family Health Insurance
Buy/Renew Family Floater Health Insurance Policy Online
Buy/Renew Family Floater Health Insurance Policy Online
It is extremely important to protect your near and dear ones with a good family health insurance policy. Having adequate coverage gives you complete peace of mind from the following factors.
Get Cashless Treatments in 7000+ Network Hospitals
Key Features | Benefits of IFFCO Tokio |
---|---|
Sum Insured | Up to Rs. 30 lakhs |
Room Rent Charges Covered | Up to actuals |
ICU Charges Coverage | Up to actuals |
Ambulance Charges Coverage | Up to Rs.2,500 |
Daily Allowance Coverage | Up to Rs.1,000 per day |
Co-pay | Nil |
Critical Illness | Covered |
No medical test | Upto 60 years |
Reinstatement Benefit | Available |
Day Care Cover | 380+ procedures covered |
Online Renewal | Available |
Lifelong Renewal | Yes |
Tax Benefit under 80D | Upto 1 Lakh |
Cashless Treatment | Available at 7000+ hospitals |
COVID-19 Treatment | Covered |
Claim Assistance | With 24/7 customer service |
Pre Hospitalization Expenses | Upto 60 Days |
Post Hospitalization Expenses | Upto 90 Days |
Nursing Expenses | Covered |
Wellness Benefits | Covered |
Member Benefits | Spouse and dependent parent and children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together |
We are always looking to financially secure our family. In case of any emergency, we always want our family to be covered without having to worry about finances. This is why it is so important to buy a family health insurance policy that provides sufficient coverage for our loved ones. Take a look at the coverage your family would receive under IFFCO Tokio family health insurance plans :
Our family health insurance covers more than 380 Day Care Surgeries.
Hospitalization charges including Room Rent Expenses, Surgical Expenses, Registration etc.
Includes pre and post-hospitalization medical expenses for true peace of mind.
Health Check-ups & Vaccination expenses are included with Family Health Insurance.
Health Insurance cover expenses for treating critical illnesses.
Our Family Health Insurance Policy covers ambulance service.
Our Family Health Insurance covers AYUSH treatments.
Our Family Health Insurance covers Laboratory Services.
It is our constant effort to provide your family with comprehensive protection from medical exigencies. However, many policyholders often forget that their insurance policies do not cover everything. Every family health insurance policy will have a set of exclusions. These exclusions refer to the medical conditions and expenses that are not covered by the family medical insurance policy. These usually include, but are not limited to :
Cosmetic or Obesity treatment
Dental treatment or surgeries, including implants
Pregnancy-related conditions
Medical expenses due to deliberate injury to oneself
Injuries suffered due to adventure sport, war, nuclear explosion, defence operations
Our customers have rated us
Based on 1475 reviews
Happy with the health insurance plan that I received.
I finally have the peace of mind I've needed thanks to your health insurance policy.
The service is excellent.
Good benefits and value for the money.
Full protection with your health insurance plan.
Good network of hospitals. Thank you IFFCO-Tokio.
Buy/Renew Family Floater Health Insurance Policy Online
There are 2 ways in which you can make claims on your family health insurance plan. You can either go for a cashless claim settlement or opt for reimbursement on your claim. Let us take a look at how each one works :
Once you have received treatment and settled all the hospital bills, file for reimbursement. Submit the claim documents to our local office address after calling up our toll number 1800 103 5499. Make sure to call for reimbursement within 7 days from the date of your discharge.
In this procedure, you get cashless treatment from one of the network hospitals tied up with us. The cashless claims procedure is very easy and can be done in three simple steps :
Intimate
Survey & Verify
Settle
You have multiple options to register a claim for your health insurance :
QCS App
Telephonic (Call Centre)
Online (Website)
Let’s check these steps in detail –
Register a claim via QCS App :
QCS, or Quick Claim Settlement, applies to health claims on a reimbursement basis for amounts under Rs. 25,000. Simply upload the necessary documents on the app, and upon approval, your claim will be settled promptly.
Register a claim via Call Centre :
You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499. Our customer care executives will guide you with the further procedure.
Register a claim via Website :
To make a claim online via IFFCO Tokio website, you will have to log in with your registered Email ID and Password. When you log in, just find the ‘make a claim’ option and follow the steps mentioned.
Get Cashless Treatments in 7000+ Network Hospitals
In the unpredictability of life, a family health insurance plan by IFFCO Tokio provides coverage for the whole family at an affordable premium. Our plans designed are keeping in mind the unique needs of diverse Indian families. You can cover your dependent parents, siblings as well as family members living together, including a brother-in-law or a sister-in-law. Now, selecting a comprehensive family health insurance plan was never this easy.
Though Individual & family health insurance plans both protects you from medical expenses, still there are number of differentiating factors. We have highlighted few main differentiating factors between these two types of health insurance policies.
Covering every member of your family with an individual health insurance policy can be very expensive. However, family health insurance policy will work out to be way more affordable.
You can get a higher sum insured with a family medical insurance policy.
With a family health insurance policy, you have a single premium & policy document. However, it may not be possible if you opt for separate health insurances for all your family members.
There are lot of people who always wonder - Why should I buy a Family Health Insurance policy or what are the benefits of buying family health insurance. Answer to this question is very simple. Family health insurance plans provide all-around coverage against numerous medical exigencies. In addition, they also provide you the following benefits :
Picking the right health insurance plan can be an overwhelming task, especially if you have never purchased a plan before. Keeping this in mind, we have put together some basic tips that will help you to opt for a family medical insurance policy that will suit the medical needs of your family.
Features | Family Health Protector (FHP) | Arogya Sanjeevani Family Policy (ASF) |
---|---|---|
Sum Insured | Up to Rs. 30 lakhs | Up to Rs. 10 lakhs |
Room Charges | Up to actuals | Maximum to Rs.5,000/- per day |
ICU Charges | Up to actuals | Maximum Rs.10,000/- per day |
Ambulance Charges | Up to Rs.2,500 | Up to Rs. 2,000 |
Daily Cash Benefit | ||
Domiciliary Hospitalization | ||
Critical illness extension | ||
No medical test | upto 60 Years | upto 55 Years |
Reinstatement Benefit | ||
Cumulative Bonus | 10% | 5% |
Maximum Cumulative Bonus | Upto 100% | Upto 50% |
Day Care Treatment | ||
Diseases covered under Day Care | 380+ diseases | 12 diseases |
Online Renewal | ||
Lifelong Renewal | ||
Tax Benefit under 80D | ||
Cashless Treatment | ||
COVID-19 Treatment | ||
24/7 Claim Assistance | ||
Pre Hospitalization Expenses | Upto 60 Days | Upto 30 Days |
Post Hospitalization Expenses | Upto 90 Days | Upto 60 Days |
Nursing Expenses | ||
No Co-Pay | 5% co-pay for every claim | |
Health Checkup | ||
Wellness Program | ||
Organ Donor Coverage | ||
AYUSH Coverage limit | ||
Member Covered |
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When you buy a family medical insurance plan online, you can enjoy multiple benefits. Few of benefits are -
There are two ways you can buy a family medical insurance policy from us. The first way is to visit one of our many branches spread across the country. Our team will understand your needs and will guide you to buy a family medical insurance from us.
Alternatively, you can purchase family health insurance plans online. The process is quite simple; all you have to do is follow these simple steps.
Buy/Renew Family Floater Health Insurance Policy Online
Have a look at the benefits of renewing your family health insurance online :
You can renew your family health insurance via following simple steps –
Before you go ahead and buy a family health insurance policy, you need to be aware of the following factors that would affect your premium :
One of the most important factors that influence your family health insurance policy is the age of family members to be insured. Premium for older people would be expensive as compared to younger people.
If you family have a history of a specific illness, the premium of your family health insurance policy may get affected.
If the nature of your work is such that you are being exposed to health hazards, the premiums for your family medical insurance policy would be higher.
If you stay in a place where you might face health complications due to environment, you may be more prone to diseases, which may increase the premiums of your family medical insurance policy.
If you have a very high BMI (Body Mass Index), the premium of your family health insurance policy may be high because people with a very high BMI are at serious health risk of diabetes, heart diseases, high BP, cancer, and so on.
If you opt for a longer policy tenure, insurance company may provide you additional discount resulting in reduction in premium amount as compared to shorter policy tenure.
Harmful habits such as smoking could lead to a host of health complications, thus leading to higher premium in family medical insurance as compared to those who do not smoke.
Buy/Renew Family Floater Health Insurance Policy Online
Download Forms
Write us at support@iffcotokio.co.in
Call us on 1800-103-5499
*Disclaimer - Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.