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IFFCO Tokio Swasthya Kavach Family Health

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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

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,00,000

5,00,000

Policy Term  (in years)

1

1

Entry Age (in years)

18

60

Renewable till Age (in years)

-

65

 

 

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.

 

 

 

Similar Withdrawn Health Insurance Plans from IFFCO Tokio
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