IFFCO Tokio Swasthya Kavach Family Health

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. 

• 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

• 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)

• 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)

• 2 Adults
• 2 Dependent children

• 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.