Iffco Tokio Swasthya Kavach Family Health



IFFCO-TOKIO Swasthya Kavach Health Insurance Policy


Iffco Tokio Swasthya Kavach Family Health Insurance is a family health insurance plan which is designed to cover medical treatment, hospitalisation, surgery and organ transplant expenses in case of an illness or accident. 



Key Features of IFFCO-TOKIO Swasthya Kavach Health Insurance Policy


  • Cover available for entire family (2 Adults and 2 child)
  • Provides an option of Critical Illness Rider
  • Emergency assistance provided for services such as care for minor kids, referral, medical consultation etc



What is covered in IFFCO-TOKIO Swasthya Kavach Health Insurance Plan?


  • Hospitalisation expenses which includes Room rent, doctors' fee, ICU charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia and oxygen administration expenses.
  • Medical expenses incurred 30 days before hospitalization
  • All medical expenses incurred after being discharged, that are related to the hospitalisation for a period of 30 days (Base Plan) and 60 days (wider plan) are covered
  • 121 listed surgeries are covered under day care expenses (requiring less than 24 hour hospitalisation)



Additional Benefits of IFFCO-TOKIO Swasthya Kavach Health Insurance Plan


  • Daily hospitalisation allowance is provided
  • Critical illness rider – where the insured is covered for 10 listed critical illness (eg. coma, organ transplant, paralytic stroke, cancer etc.) to the extent of double the sum assured amount.
  • Additional sum assured of 5% is provided on renewal if no claims are made in previous year
  • Child care assistance, medical consultation etc. provided in case of an emergency
  • Expenses for emergency ambulance service is reimbursed
  • General health check-up expense reimbursed in case of 4 claim-free years (only in wider plan)


Eligibility and Restrictions of IFFCO-TOKIO Swasthya Kavach Health Insurance Policy





Coverage Amount (in Rs.)



Policy Term  (in years)



Entry Age (in years)



Renewable till Age (in years)





Family floater policy will cover


  • 2 Adults
  • 2 Dependent children



Exclusions - What is not covered in IFFCO-TOKIO Swasthya Kavach Health Insurance Policy?


  • All treatments except within first 30 days of taking the policy
  • Pre-existing diseases.
  • 1 year exclusion on treatments of tonsils, ulcer, cyst and lumps.
  • 2 year exclusion on treatment of diseases such as cataract, hysterectomy, sinus, piles etc.
  • Acupuncture, naturopathy etc.
  • In the base plan, there is 2 year exclusion on treatment of blood cancer, heart disease and renal failure.



Alternate health insurance plans from other insurance companies


ICICI Lombard Family Floater Health insurance policy

Bharti AXA Smart Health insurance policy

Apollo Munich Easy Health insurance policy



Other Health plans from IFFCO-TOKIO


Iffco Tokio Critical Illness policy

Iffco Tokio Individual Medishield

Download Iffco Tokio Swasthya Kavach Family Health Brochure download
~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Iffco Tokio Swasthya Kavach Family Health brochure and insurance company's website. It should not be construed as a Critical or Favourable Iffco Tokio Swasthya Kavach Family Health Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.

Leave a Comment

Im interested to know about your health insurance in ifffo tokio insurance company.

By Rk Attitute Breaker Sharma on Jul 31, 2014 Reply


By Av Manoharan on May 18, 2014 Reply

Almost all the general insurance companies will only cover expenses for treatment done in India. However, nowadays some insurance companies are offering policy variants which offer coverage for treatment done and medical expenses incurred abroad for serious illnesses. But please note the premium for such a plan may be very high.

Replied By Manoj Aswani (MIC Staff) on May 19, 2014 Reply

i am interested to know about your health insurance in ifffo tokio insurance company.

By Priyatama Sahu on Feb 12, 2014 Reply

Hi My Employer Health insurance covers upto 1 Lakh for my parents if Hospitalized and therefore I required to submit original documents to Employer.If I take a Policy of IFFCO TOKIO I would like to know whether we can claim additional charges upto 2 lakhs from IFFCO Tokio Swasthya Kavach Family Health (Base) plan by submitting xerox copies of the same? Or else do we need to submit original ones

By Srinivas

By Bkl Srinivas on Feb 11, 2014 Reply


You cannot claim a single (medical) expense from 2 different policies / health insurance companies.

If your bill is 3 lacs then you can claim 1 lac under your group policy and 2 lacs under your IFFCO Tokio Health plan. But if your claim is 1 lac then you can claim that 1 lac from any one policy by submitting original papers.

Replied By Manoj Aswani (MIC Staff) on Feb 21, 2014 Reply

provide the all details regarding "Iffco Tokio Swasthya Kavach Family Health" policy with all hidden features on my mail id "rajibnaxxxx@xxxmail.com"

By Rajib Nandan on Jul 17, 2013 Reply

Dear Rajib, you can visit this page of IFFCO Tokio which has quite a detailed explanation of the plan features.

Also pls find a link to download the IFFCO Tokio Swasthya Kavach Brochure

In case of any clarification, pls feel free to contact us though this page again.


Replied By Admin (MIC Staff) on Jul 17, 2013 Reply

i would like to get helth policies ... plese guide me .. and send details on my e-mail id -- robinkamboj1@gmail.com

By Robin Kamboj on Mar 17, 2013 Reply

Dear Manav, we would need a few more details like your age, amount of cover you require etc to send you some options. Pls share your phone number or pls go to http://www.myinsuranceclub.com/health-insurance/

Replied By Admin (MIC Staff) on Mar 18, 2013 Reply

i would like to know whether the medical expenses of the hospital will be paid by the IFFCOTOKIO at the time of discharge in any hospital throughout India or we have to pay it firstly and then applied for medical reimbursement from you.Secondly Is this policy is applicable everywhere i.e in every city.

By Gurvinder Singh on Feb 21, 2013 Reply

i want to take policy...

By Saurabh Mishra on Aug 06, 2012 Reply

liked u r policy wanted to take the policy.

By Bhasker Reddy on Jul 26, 2012 Reply

At first look ,policy seems attrective.I need to go through brochure and want to buy one for my family. pls mail me details of swasthya kavach health insurance plan.

By Anand on Apr 28, 2012 Reply

Dear Sir,
I have deposited of Rs.10769/- against Iffco Tokio Swasthya Kavach Family Health" insurance policy individual master card are not recd.Please Send a individual policy master card 1 Sandhya Bhange 2 Bhaskar Bhange 3 Gunjan Bhange

Thanking you,
Sharad Bhange
LIG-44,Hudco,Amdi Nagar,
Bhilai-490 009
Distt-Durg (C.G.)
Phone No.09424108361

By Sharad Bhange on Feb 14, 2012 Reply

Medical Claim Insurance Policy Dt.07/01/2012 I have deposited of Rs.10769/- but individual policy card not recd.at home 1 Mrs.Sandhya Bhange 2 Bhaskar Bhange 3 Gunjan Bhange
Please send a policy card as soon as possible.

Thanking you,
My home address : Sharad Bhange
LIG-44,Hudco,Amdi Nagar,Bhilai
Distt-Durg (C.G.)- 490 009
Mobile No.9424108361

By Sandhya Bhange on Feb 14, 2012 Reply

I have superannuated as a Senior Executive of Tata Steel Group Company : TM International Logistics Ltd., Kolkata where my services were delegated by Tata Steel Ltd in the year 2005. As per TMILL's policy we are to take an insurance policy of value Rs 5 lacs for Self and Spouse the premium of which shall be fully reimbursable by the Company. I had a Gold Policy with Reliance General Insurance Co Ltd for the past few years. However, during my overseas visit in June - Oct 2011 for which I was also covered by Travel Policy of Reliance, the domestic Healthwise Policy expired end August 2011 for which Reliance did not care to intimate or inform me or members of my family. In Nov 2011 Reliance issued a Renewal Advice and after I had drawn a cheque for the annual premium they suddenly did a 'u' turn stating that the Gold Policy was no longer available. All these years both of us insured have been enjoying perfectly good health and have not claimed a single paise for medical treatment. Need of hospitalisation did not at all arise and hence we were considered too good for Reliance as additional incrementally bonuses became creditable in case of any future exigency requirement medical attention. Before going overseas we had undergone all medical diagnostic tests from Vijaya Diagnostic Services Visakhapatnam right from Blood, Urine, ECG, Threadmill, Brain and Total Body scans so as to rule out any 'pre-existing' disease. The reports have been absolutely normal. I understand that you service Tata Steel superannuated executives. I shall be glad if you could send your representative across to meet me. My phone number at Visakhapatnam, where I am now resident, is 9966777533.

By Venkata Rao Vedula on Dec 13, 2011 Reply

I want to know about the policy and please tell that if a person is suffering from a previous mental illness then how does a policy cover that?

By Hitesh Malhotra on Nov 09, 2011 Reply

i would like to take this policy immediatly,,,,,,, so pls contact me immditly

By Dr.Gv Ramana Reddy on Jul 16, 2011 Reply

Know more about this policy

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