IFFCO Tokio Health Insurance Benefits

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The IFFCO-Tokio Group is an international company that provides goods and services, and IFFCO-Tokio General Insurance Company Limited is a part of that group. The organisation offers health insurance policies with easy claim filling procedure, applaudable customer services 24/7, and other exciting benefits. IFFCO Tokio health insurance benefits also include affordable premium rates for a range of health insurance plans for individuals, seniors,  families, and others that covers numerous wellness-related benefits and medical espenses. Let’s talk about IFFCO-Tokio health insurance benefits in detail.

IFFCO Tokio Health Insurance Benefits 

Here are the regular benefits of IFFCO-Tokio health Insurance:

1. Comprehensive Medical Expenditure Coverage

Health insurance protects you from high medical costs in the case of a medical emergency. IFFCO-Tokio health insurance plan benefits go above and beyond to guarantee you have comprehensive treatment during a medical emergency, covering everything from pre- and post-hospitalization coverage to reimbursement for ambulance costs, daycare procedures, and AYUSH.

2. Helps Safeguard Your Finances

You don't have to use up all of your savings or sell off family heirlooms to pay for essential medical care. Your IFFCO-Tokio health insurance plan benefits will allow you to receive the greatest medical treatment without breaking the bank.

3. Cashless Facility

At network hospitals associated with IFFCO-Tokio, the insured may receive care without paying cash. You will only be liable for any non-medical expenditures if you undergo treatment at one of these hospitals because your insurance company would pay the hospital directly. You no longer have to stress about arranging money for treatment at the last minute, thanks to IFFCO-Tokio Health Insurance plan benefits. In network hospitals, both scheduled and emergency care can be obtained without paying cash.

4. No Claim Bonus (NCB)

IFFCO Tokio Health Insurance plan benefits provide you with a benefit known as the "no claim bonus," which entitles you to a free increase in the amount covered by your medical insurance policy. Hospitalization and other medical costs have increased dramatically in the modern era as due to medical inflation. So, the no-claim bonus feature of IFFCO-Tokio greatly increases your health insurance coverage to accommodate inflation.

5. Tax Benefits

Tax benefits amounting to INR. 1 lakh on the insurance premiums for health insurance policies under Section 80D of the Income Tax Act, 1961, further encourage you to buy health insurance from insurers such as IFFCO-Tokio. Additional health insurance for oneself, one's spouse, and one's dependent children may be deducted up to INR 25,000. You may also be qualified for a tax credit of up to INR 25,000/50,000  for health insurance purchased for parents who are 60 years of age or older.

6. Peace of Mind

Despite the fact that it is not required, health insurance is unquestionably crucial. Few of us recognise its significance, and we frequently take it for granted. You may feel secure knowing that any unexpected medical emergency will be financially covered if you have health insurance coverage. Health insurance is very important in the modern world, whether it is for growing medical costs or acquiring a family floater plan to provide health coverage.  The benefits of the IFFCO-Tokio Health Insurance plan are impressive enough for consideration.

Regardless of the plan you choose, you are eligible for the following benefits of IFFCO-Tokio Health Insurance: medical monitoring repatriation insurance, return of mortal remains, insurance, referral insurance, compassionate visits, emergency medical evacuation, and second medical opinion.

The Bottom Line

The expenditures of hospitalisation, pre- and post-hospitalization, day care services, laboratory tests, prescription medications, and ambulance charges are all covered under IFFCO-Tokio health insurance. Additionally, you are covered for AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy). With all your necessities encased underneath one roof, IFFCO-Tokio health insurance benefits offer one of the best options available on the market. You can utilise the protection of your health insurance policy either cashlessly at a network hospital or via reimbursement of bills you have already paid.

IFFCO Tokio Health Insurance Benefits FAQs

  • 1. Does IFFCO-Tokio cover the cost of vaccinations?

    With the IFFCO-Tokio Family Health Protector Plan, the company covers vaccination fees up to a maximum of 7.5% of the total premium paid in the event of a single covered person and up to 15% for all insured members.

  • 2. What advantages come with selecting health insurance that covers AYUSH treatments?

    You can investigate holistic healing techniques by receiving health insurance with AYUSH treatment coverage from the benefits of IFFCO-Tokio health insurance. Several alternative healthcare systems now in use include homoeopathy, yoga, ayurveda, siddha, and unani. You can sign up for AYUSH treatment coverage as part of wellness and preventative healthcare.

  • 3. Is cataract surgery a part of IFFCO-Tokio health insurance benefits?

    Yes, IFFCO-Tokio health insurance benefits include coverage for cataract surgery. However, you may have to undergo a waiting period of 24 months for the same.

  • 4. How can I review the benefits of IFFCO-Tokio health insurance?

    You can compare the benefits of IFFCO-Tokio health insurance and competing offers online on Paytm Insurance. Compare coverages, premiums, network hospital count and other details of IFFCO-Tokio with others to know where the former stands in the competition.

  • 5. What are the exclusions of the IFFCO Tokio health insurance policy?

    Always keep in mind that there are many exclusions in healthcare insurance. IFFCO-Tokio health insurance policy may come with certain exclusions.

    • The cost of aesthetic treatment is one of the frequent exclusions in health insurance.
    • Cosmetic surgery unless it is medically necessary for the insured’s survival.
    • Self-harm won’t be covered under IFFCO-Tokio health insurance plans.
    • IFFCO-Tokio won’t cover Sexually transmitted diseases.
    • Pre-existing conditions won’t get covered before the waiting period. Specific waiting period clause also applies to specific diseases.


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