IFFCO-Tokio Health Protector Plus Policy comes as a health insurance plan with outstanding benefits and enormous flexibility for the policyholders. The policy comes with hospitalisation cover, expenses incurred before and after hospitalisation, home treatment, besides allowing you to choose from multiple plan types and variants. Top up and super top up health insurance plans of IFFCO-Tokio are the top draw among customers. As many as eight plan options with varied sum insured await you at IFFCO-Tokio Health Protector Plus Policy. Backing up the plan benefits is the smooth cashless and reimbursement claim settlement methods, along with affordable premiums. So, if you have been searching for a health insurance plan with multiple benefits, consider this IFFCO-Tokio health insurance policy. Let’s check the plan details and see whether it meets your needs.
What are the Benefits of the IFFCO Tokio Health Protector Plus Policy?
The policy is a good investment because of the following features and benefits:
- IFFCO-Tokio Health Protector Plus Policy is available for purchase online. The strategy allows you to pick between a one-year plan, a top-up plan, and a super-top-up health plan.
- It is entirely up to you whether you want to base your deductibles on the number of claims made per year or the total number of claims filed in a given year.
- There are various sum insured choices available to match your healthcare and financial demands.
- You can also choose between a family floater plan and an individual sum insured.
- Even if you do not have basic health insurance, you can acquire this insurance plan.
- In the event of a work change or loss, you can obtain a waiver of deductibles by paying an additional premium amount. If there is a loss/change of employment for 30, 60, or 90 days, you can obtain the whole sum covered without any deductibles.
- Cashless claim settlement is available in over 5000 hospitals across India.
- The insurer processes the insurance directly, with no intervention from a third-party administrator.
- Cashless treatment is available at over 5000 IFFCO-Tokio network hospitals across India.
- A lifelong renewal option is available for the policyholders.
- Section 80D of the Income Tax Act provides tax benefits.
- Anyone aged from 18 to 65 years can buy this IFFCO-Tokio health insurance policy.
- If you want to review the policy after buying it, you have got 15 days to do so. In case the policy is not found suitable, you can cancel it by giving a valid reason for the same.
What is Covered Under this Health Insurance Policy?
If expensive medical care is necessary to treat any illness or accident, the plan provides coverage against hospitalisation costs for you and your family. The plan offers additional protection above and beyond the deductible. Besides, it comes with these inclusions.
- Costs associated with hospitalisation, such as room rent, ICU fees, nursing, and boarding.
- Fees charged by physicians, anesthesiologists, and other healthcare professionals and consultants can be claimed.
- The price of the operating room, radiotherapy, chemotherapy, organ transplantation, anaesthesia, x-rays, dialysis, medications, medical examinations, surgical devices, and other costs are also covered under IFFCO-Tokio Health Protector Plus Policy.
- You can also IFFCO-Tokio health insurance claim the cost of vitamins and tonics bought as part of your inpatient therapy.
- Pre-hospitalization costs of up to 60 days will be reimbursed, and post-hospitalization costs will be covered for 90 days following your release from the hospital.
- Homeopathy, ayurveda and unani treatment using non-allopathic methods in a hospital with official recognition.
- The real cost of an ambulance will be refunded, up to Rs 3000, whichever is less.
- Daily cash allowance offered at up to 0.10% of the sum assured for miscellaneous hospitalisation expenses.
- Domiciliary hospitalisation costs will be covered, but only up to a sub-limit of 20% of the insured amount.
Be Aware of the Exclusions
Knowing beforehand the exclusions of IFFCO-Tokio Health Protector Plus Policy will only help you prevent a potential claim rejection and the financial scars that follow.
- Any medical expenses incurred within the first 30 days of the policy's start date
- Any inpatient stay necessary for aesthetic or plastic surgery
- HIV/AIDS infection treatment
- Anxiety and depression treatments and mental illnesses
- Treatment in hospitals for genetic diseases
- Pre-existing disease not covered before 48 months of continuous policy coverage
- No coverage for maternity and related expenses
- Other exclusions as specified in the policy
How Does the IFFCO Tokio Health Protector Plus Policy’s Claim Process Work?
There are two methods to take:
IFFCO-Tokio Cashless Claim Process Steps
- If the hospitalisation is planned, you must tell the insurance provider at least 3 days before the procedure.
- For an unplanned treatment, you should inform the insurance provider on the day of hospitalisation. The notification can be sent via phone call or email.
- You must present your IFFCO-Tokio health card and photo ID evidence at the network hospital in order to begin receiving cashless care.
- When the verification process is finished, the hospital will give IFFCO-Tokio General Insurance Company Limited the properly filled-out claim form. Additionally, a pre-authorization request form completed by the hospital will be sent to the insurer/TPA.
- You can begin the cashless procedure after the verification step completes.
- The insurer will send you a confirmation to move forward with cashless hospitalisation after receiving all the documents.
- Do not forget that only network hospitals offer cashless treatment. So, check the list of IFFCO-Tokio network hospitals online and locate yourself comfortably in one of them.
IFFCO-Tokio Reimbursement Claim Steps
Although customers usually prefer cashless health insurance claims for the obvious reason of no upfront payment liability to the network hospital, the partner hospital of IFFCO-Tokio may be far from your residence, office or the place of accident. In that case, you may have to seek treatment at a non-network hospital of IFFCO-Tokio. Here, you will need to pay for the treatment and get reimbursed by following the process shown below.
- Get yourself or any of the insured family members admitted to the hospital ASAP.
- You must submit all of your medical and hospital bills in order to do this, and your request for reimbursement must be submitted no later than one week after your hospital discharge.
- Additionally, you must submit a properly completed reimbursement claim form. You must also deliver all the additional paperwork to IFFCO-Tokio Health Insurance Company.
- The insured claim amount will be reimbursed to the insured person once all the verification completes. After a few days of getting approval for a reimbursement claim, you can get the amount into your bank account..
Conclusion
The Health Protector Plus Insurance Policy from IFFCO-Tokio offers coverage for various medical issues and diseases. Choose the Health Protector Plus policy if you don't want financial hardship to prevent you from receiving the greatest medical care. You may be confident that purchasing this top-notch medical insurance policy from Iffco Tokio General Insurance Company will satisfy you.
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