Health Insurance for Individuals
A comprehensive health plan for individuals
A comprehensive health plan for individuals
Get Cashless Treatments in 7000+ Network Hospitals
The inclusions or coverage of a mediclaim policy varies among insurance companies. Medical Insurance from IFFCO Tokio include the following expenses :
If you are admitted in a hospital, the bed charges can run into several thousand. Mediclaim policy covers the money spent on private rooms, wards or ICU.
Mediclaim policies also cover doctor’s consultation charges or the charges to meet a specialist.
This includes expenses like oxygen cylinder, blood, organ donor expenses, organ donation, tests etc.
This covers the treatment that does not require hospitalisation and the patient stay in hospital is of less than 24 hours. Mediclaim policy from IFFCO Tokio covers above 380 procedures.
Services like X-ray and other test charges are also covered under our mediclaim policy.
Our mediclaim policies also cover the expenses that are incurred before and after the insured is hospitalized.
Alternative treatments like Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy are covered by our mediclaim policies.
Mediclaim policy also covers ambulance charges.
As comprehensive as a Mediclaim policy can be, there are certain aspects of treatment that are not included in the policy. Some of the common exclusions include:
Pre-existing illnesses are covered after the completion of waiting period
Plastic Surgery and Cosmetic Surgery
External devices like hearing aid or contact lenses.
Irrespective of the type of Mediclaim policy you buy, make sure to read the policy documents carefully and understand the terms and conditions. Knowing the terms and conditions will help you make an informed buying decision and you will get the best coverage to suit your needs.
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Robust coverage options and hassle-free enrollment process
While researching for critital illness insurance policies online, I came across Iffco Tokio. After going through both policies in detail, I realised that these policies are good and completely apt for my needs.
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Buy/Renew Family Floater Health Insurance Policy Online
In the purview of the sedentary lifestyle, people are at a high risk of suffering from various diseases. Purchasing a medical policy can help you get financial assistance in the hour of need. Today, a lot of people prefer buying a mediclaim health insurance policy because of the following reasons :
Mediclaim insurance provide protection against medical bills
You can avail of the cashless facility at network hospitals
Mediclaim is available for both individual and family
It provides tax benefits on the annual premium
There are various types of health insurance plans available in the market. You can choose a mediclaim policy, depending on your specific requirement. The popular types of Mediclaim policies are :
As the name suggests, in an individual mediclaim policy sum insured is taken for insured persons individually, and only the designated persons can avail of the benefits listed under the policy.
In a family floater mediclaim policy, the coverage is shared among all the family members covered. It can also be said that coverage is given to one individual, who can further extend this to his or her entire family.
While battling life-threatening diseases like cancer, kidney failure, heart diseases, etc. the hospital expenses quickly deplete your savings. A critical illness mediclaim policy helps in curbing those expenses by paying a lump sum amount on diagnosis of the disease.
This type of mediclaim policy offers protection against accidental death, permanent total disability, permanent partial disability and temporary total disability.
This type of mediclaim are generally effective if you have another health insurance and use this policy to get additional coverage at an efficient premium.
Buy/Renew Family Floater Health Insurance Policy Online
It’s okay to be a little confused when purchasing a mediclaim insurance policy, especially if you are a first time buyer. Insurance is not everyone’s cup of tea and selecting the right plan can be tricky. Keeping this in mind, we have highlighted basic pointers that will help you with your decision-making process & ensure you buy the right mediclaim policy.
You're likely aware of the multitude of Mediclaim insurance plans available, each presenting diverse features and advantages. Deciding among these options can pose a challenge. However, fear not! We've highlighted 5 important tips to help you choose the best health plan.
For those who prefer face-to-face health insurance purchases, our branches are available during office hours, offering expert guidance. Yet, for a more contemporary approach, simply visit our website to buy your mediclaim policy. Online purchases offer numerous benefits, including :
Buy/Renew Family Floater Health Insurance Policy Online
Yes, it is safe to buy health insurance online.
We have a secured payment gateway on our website to ensure your transaction is processed safely, which is one of the reasons why many of our customers choose to purchase health insurance plans online.
While buying health insurance online is generally safe, we recommend taking necessary precautions to ensure a secure experience. Here are some tips to help you have a secure and hassle-free transaction when purchasing health insurance online:
While buying health insurance online is 100% safe and secure, if you are still uncertain about making an online purchase, we offer alternative methods to buy a health insurance policy.
Do You Know- You can increase your sum insured up to 1 Crore via a Top-Up plan from us. All you have to do is show your interest towards the best healthcare and our team will guide you with all the coverages, benefits etc.
Health insurance offers protection against unforeseen situations such as medical emergencies. Many people are buying a health insurance policy to secure themselves against such expenses. A person can purchase health insurance by visiting our website.
All you have to do is tell us about your healthcare needs and we will offer you the right plan. You can throw in the add-ons you prefer, fine-tune the coverage and proceed to the payment once you are satisfied with the coverage. Once you pay the premium, the policy will be mailed to you, and coverage of your medical insurance policy will commence instantly!
Your health insurance policy offers cover against medical expenses. If a person meets with a medical emergency, then they can file for a claim with health insurance. However, a policyholder will not get such benefits when the health insurance policy has expired. The person must pay the medical expenses out of their pocket. Therefore, it is extremely important that you remember the expiry date of your medical insurance policy and renew your health insurance plan on time to enjoy interrupted protection.
Under health insurance, the age and the amount of cover are two main factors that decide the premium. Usually, younger people are considered healthier and thus pay lower annual premiums. Older, people pay a higher health insurance premium as their risk of health problems or illness is higher. Similarly, smokers and those who consume alcohol have higher premiums. Even the nature of your job and where you stay can influence the premium of your medical insurance policy.
Yes, you can have more than one medical insurance policy. In case of a claim, you can choose which policy to use to cover your costs. The benefit of having 2 health insurance plans is that, once the Sum Insured of one policy is exhausted, the remaining medical expenses, if any, can be claimed through the second health insurance policy.
