IFFCO-Tokio Health Insurance FAQs

You may get IFFCO-Tokio health insurance by visiting its official website and filling out the application form, or you can go to the Paytm Insurance website and browse through the various IFFCO-Tokio insurance policies presently available to you before purchasing the plan that best meets your requirements.

IFFCO-Tokio health insurance does not cover maternity expenses traceable to childbirth. These include complex deliveries and caesarean sections. However, ectopic pregnancy is covered under IFFCO-Tokio health insurance. Miscarriage is also not covered unless it’s due to an accident.

No. There are no specific insurance plans for kids. Kids can join their parent’s coverage under a family floater insurance plan.

Yes. Corona Kavach and Corona Rakshak insurance plans from IFFCO-Tokio provide the policyholder with specialised COVID coverage. Even its regular health insurance plans cover COVID.

Yes, while renewing your coverage, you can request a raise in the amount of the sum insured. It will lead to an increase in the sum insured amount. So, check how much the premium hike is before requesting a sum insured rise on renewal.

The coverage remains halted if your IFFCO-Tokio health insurance expires. So, you will need to pay for the treatment cost. It’s therefore advisable to pay the renewal premium on or before the scheduled date to avoid such a situation. 

The age restrictions vary from one IFFCO-Tokio health insurance policy to another. So, you must check the policy brochure to ensure your eligibility, depending on your age.

You can check the list of IFFCO-Tokio network hospitals on the website of the insurer.

Policyholders can contact IFFCO-Tokio at 1800 103 5499 or send a mail to websupport@iffcotokio.co.in. 

Click here to find your local IFFCO-Tokio branch office.

Yes, you can make IFFCO-Tokio Health Insurance renewal online. You can do so on the official website of the insurer, and Whatsapp or email your renewal request. Besides, there are additional offline payment choices available. You can pay in person at the insurer's office using a demand draft or cheque. Some insurers may deny accepting cash payments for renewal or do so for a specified limit. Confirm with IFFCO-Tokio about the same before proceeding with cash payments.

We advise paying the premium before the policy's expiration date. IFFCO-Tokio health insurance provides a 30-day grace period to pay the payment; however, insurance benefits are halted during this time.

Often, one-year contracts for health insurance are offered for purchase. Some insurance companies may send a renewal reminder. A lot of times, one-year contracts for health insurance are offered for purchase. Some insurers may use a renewal notification to inform the insured about the policy expiration date.

When your current IFFCO-Tokio Health Insurance policy expires, you have a maximum of 30 days from the final payment date to renew your coverage, according to the IRDAI.

If policyholders don't renew their coverage before their policies expire, the insurance firms have a set grace period for them. However, since the insurers don't cover you during the grace period, look to renew IFFCO-Tokio health insurance on or before expiration. 

The enterprise typically replies to claims in seven working days after receiving the final "necessary" document. The deadlines, nevertheless, are occasionally extended. The maximum duration for these is 30 days. 

Any of the following factors might result in a claim's amount being reduced:

• Not having the necessary documentation or prescriptions.
• Delay in informing the insurance company. 
• False claim request.
• Claim falls under the list of exclusions, etc.

At more than 7,500 network hospitals, you may receive care without paying cash.

If the claimant has lost the original policy bond, they must submit the indemnity bond for loss of policy document, which must be produced on INR 200 stamp paper and duly notarized.

When hospitalisation is planned, the insurer must be informed three days before the hospitalisation. However, in the event of emergency hospitalisation, the insurance company providing the coverage must be notified as soon as a covered person is hospitalised.

Yes, the policy document of IFFCO-Tokio health insurance policy contains the free-look time period.

Yes, the document goes over the coverage amount along with basic informations like inclusions and exclusions of the policy and the policyholder's personal informations like name and age.

Yes. IFFCO-Tokio health insurance policy document downloads provides the insured with all the terms and details regarding portability benefits. The portability benefit provides you with the option to easily switch to any similar policy of other policy provider to IFFCO-Tokio.

Yes the IFFCO-Tokio health insurance policy document downloads go over the details and terms and conditions about the claim process.

You can call IFFCO-Tokio health insurance customer care number, 1800-103-5499(toll-free) and request for a correction in the policy document. After the company verifies the request, they would make the correction for you and issue a new IFFCO-Tokio health insurance policy document for you. 

Yes, the policy document will clearly specify the terms pertaining to claim intimation time and other formalities. So, check the same thoroughly and follow the claim process as specified for a hassle-free experience.

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.

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.

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.

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.

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.

The scope of the insurance includes coverage for COVID-19. Inpatient stays and diagnostic interventions linked to COVID-19 are covered by the insurance scheme. Checkout the website online to discover whether there are any IFFCO-Tokio health insurance hospital lists near me.

You will be required to pay the hospital fees yourself after being discharged if you choose to have treatment at a facility that is not covered by your insurance network. Later, you can get in touch with the insurance provider and submit a refund claim.

More than 7,500 hospitals are included in the IFFCO-Tokio Health Insurance Network Hospitals plan's network. They are extensively spread out around the country and have simple access to medical treatment.

An insurance company has an agreement with a network hospital, which provides cashless care to those who are covered. If you receive care at a hospital in the network, your insurance provider will pay your out-of-pocket medical expenses.

Health insurance is intended to shield you from the expenses of necessary medical expenses in the event of a catastrophic admission or if you ever have to undergo planned medical care. You may thus be charged for certain non-medical things that your cashless health coverage claim would not cover, such as:

• Registration fees for healthcare facilities
• Spending on toiletries
• Service charges
• Admission costs

The cost of the insurance you've chosen, as assessed by your insurance provider, is known as a premium. 

Here are some suggestions for lowering your premium:

• Choose long-term medical insurance
• Choose top-ups
• Buy young
• Lead a healthy lifestyle
• Make a higher deductible of your choice

In addition to helping you save time and effort, a quality calculator is also easy to use. To obtain top quotes, genuine papers are not necessary. By submitting a few simple details, such as yearly income, identification, birth date, and so on, one may receive premium quotes for a variety of options in under a minute. If a person makes an informed choice, they may get insurance coverage online without the aid of an agent.

Final additional bonus (if specified) + bonuses + sum insured make up the fundamental structure. According to corporate policy, the insurance firm must include all incentives and most recent bonuses in the maturity value.

A potential client can determine the cost of the premium for a certain health insurance plan using an online tool called a health insurance premium calculator. Calculating the premium is more important than ever because of the increase in growth in medical costs.

Yes. IFFCO Tokio offers both top up and super top up coverage.

No. IFFCO Tokio health insurance top up plan does not include critical illness cover.

Yes. IFFCO Tokio health insurance top up plan includes alternative treatment cover.

Yes. IFFCO Tokio offers both individual and family floater coverage plans.

The highest amount of tax deduction you can get under Section 80D is INR 1 lakh.

Yes. ManipalCigna Health Insurance offers companies 5 different group insurance policies to choose from.

In order to buy IFFCO Tokio critical illness policy, you need to visit the official website of the insurance provider and go over their insurance proposal procedure. Alternatively, you can visit Paytm Insurance and go over hundreds of health insurance plans that are available to you and then take an educated purchase by comparing the pros and cons of each policy.

The sum insured by IFFCO Tokio's critical illness plan ranges up to INR 1 crore.

No. Only allopathy treatments are covered under IFFCO Tokio critical illness plans.

Pre-acceptance medical tests are not mandatory for people up to 50 years of age. 

The exclusions listed under IFFCO Tokio health insurance critical illness plans  are as under

• Pre-existing loss, accident or injury
• Injuries or illness due to Self-injury or suicide attempt
• Injuries or illness due to Breach of law
• Injuries or illness due to alcohol, drugs, substance abuse or any other intoxication addiction.
• Injuries or illness due to naval, air force, military or any other law enforcement operation
• Injuries or illness due to sporting risks
• Injuries or illness due to adventure sports or activities
• Injuries or illness due to war risk
• Injuries or illness due to nuclear activities
• Injuries or illness due to consequential loss from any other insured event