Do I need to go personally for renewing my IFFCO Tokio policy?

No. There are many health insurance policies that can be renewed online too.

Can I cancel my IFFCO Tokio policy?

Yes. A policy can be cancelled and the premium paid is refunded based on the rates mentioned in policy terms and conditions.

Is dental treatment covered under IFFCO Tokio Health Insurance schemes?

Yes. Dental treatment is covered up to a certain maximum amount.

Are emergency services covered under the base plan and the wider plan of the IFFCO Tokio Health Insurance Policy?

Yes. Emergency services like ambulance and to and fro hospital travel of one designated family member is also covered under the IFFCO Tokio Health Insurance Policies. Other emergency services like care/transportation of minor children, medical repatriation etc. are also provided.

What happens to the policy once a claim is made?

The policy will continue normally, however, whatever is the amount of claim made that would be reduced from the sum assured. For e.g. a policy of 5 lakhs will be reduced to 3 lakhs in case a claim of 2 lakhs has already been made.

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IFFCO Tokio Health Insurance

IFFCO-Tokio Health Insurance plans come with a number of exclusive features, benefits, and discounts. The company offers a variety of plans and riders to enhance coverage. Additionally, cashless treatment from a wide hospital network can be availed.

IFFCO-Tokio General Insurance was incorporated on 4th December 2000. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group, which is also the largest listed insurance group in Japan. IFFCO-Tokio General Insurance offers products like Motor Insurance, Health Insurance , and other products.

IFFCO Tokio General Insurance Highlights

Features	Specifications
Network Hospitals	4200+
Waiting Period for Pre-existing Disease	3 years
Incurred Claims Ratio	82.89%
Number of Policies Issued	164998
Grievances Solved	98.47%
Renewability	Lifetime

Co. Pvt. Ltd. was founded in the year 2000 by its promoters viz. IFFCO (& associates) and Tokio Marine and Nichido Group,

This private insurer registered outstanding growth during the decade 2001 - 2011 and is now a leader in the private general insurance sector. Its business network, spread all over the country, consists of 65 Strategic Business Units, 120 Lateral Spread Centres and 255 Bima Kendras. It provides financial protection to all strata of society with plans suited to farmers and large manufacturers alike.

IFFCO Tokio has the underwriting, reinsurance and risk management capabilities of Tokio Marine and Tokio Risk Consulting. It was a pioneer of large-scale underwriting in the fertilizer and auto segments. In addition to its suite of traditional products, the company has developed niche policies like Credit, Fine Arts, Profit and Loss Insurance etc. They also pioneered the use of technology like RFID and NDVI to create assurance solutions pertaining to cattle and weather.

Another feather in its cap is that it is the only insurance company in India that has a fully-owned subsidiary (IFFCO Tokio Insurance Services Ltd.) which is a distribution channel servicing retail clients in over 350 towns.

IFFCO Tokio also has its set its sights on the rural markets as well. Inclusion is one of its priorities, which is evident in some of its plans such as Mausam Bima Yojana, Mahila Suraksha Bima Yojana and Janata Bima Yojana etc.

This company leverages on information technology to help process and settle claims speedily and efficiently.

IFFCO - Indian Farmers Fertilizer Co-operative, is the Indian promoter of IFFCO Tokio. It is the largest co-operative fertilizer manufacturer in the world, providing products and services to the agricultural community since 1967. This multinational enterprise is widely recognised for its excellence in production, marketing and customer service. With 40,000 member societies, it contributes to the country's economic development by supporting government initiatives aimed at increasing national food production.

TOKIO Marine Asia Pte. Ltd. is the foreign promoter, with a 26% stake in IFFCO Tokio. Tokio Marine & Nichido Fire Insurance Co. has been in existence for over 120 years making it the oldest general insurance provider in Japan. The growth it has achieved during its lifetime has made it the largest player in this segment. It is a part of the world-renowned Mitsubishi Group and has an S&P rating of 'AA' which tells of its sound financial position.

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Types of Health Insurance Policies Provided by IFFCO Tokio

The following plans are on offer as part of the company's health insurance line:

IFFCO Tokio Swasthya Kavach Family Health Insurance Policy
IFFCO Tokio Individual Medishield Policy
IFFCO Tokio Critical Illness Insurance Policy
IFFCO Tokio Family Health Protector Policy
IFFCO Tokio Health Protector Plus Policy
IFFCO Tokio Health Protector Policy
IFFCO Tokio Personal Accident Insurance Policy

IFFCO Tokio Swasthya Kavach Family Health Insurance

Basic Plan
Entry age	18 years to 60 years; For children 91 days to 23 years
Maximum Renewability age	80 years
Medical screening	Required for persons over 45 years.
Sum Assured	Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs or Rs.5 lakhs.
Cumulative or No-claim bonus	5% increase in chosen sum assured; upon renewal; for every claim-free year, up to a maximum of 10 years i.e. 50%
Cashless claim facilities	Yes
Room charges	1% of chosen sum assured.
ICU/ITU charges:	2% of chosen sum assured.
Registration, Service charges, surcharge	Lower of actuals or 0.5% of sum assured.
Pre/post hospitalisation periods	Yes(Includes Nursing costs)
Costs pertaining to	Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, Operation Theatre., Chemotherapy, Dialysis, Prosthetic limbs or devices and other required consumables or equipment or services for treatment.
Ambulance charges	Lower of actuals or Rs.750.
Cash allowance for each day of hospital stay	Rs.150 per day and Donor's hospitalisation expenses.
Domiciliary hospitalisation	Up to 20% of sum assured.
Pre-hospitalisation expenses	Up to 30 days.
Post-hospitalisation expenses	Up to 30 days, limited to Rs.7,500.
Package charges for specific treatments	Lower of 80% of actuals or 80% of sum assured.
Wider Plan
Entry age	18 years to 60 years; For children 91 days to 23 years
Registration, Service charges, surcharge	Lower of actuals or 0.5% of sum assured.
Fees of medical personnel like specialists, consultants	Yes
Costs pertaining to	Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, OT, Chemotherapy, Dialysis, Prosthetic limbs or devices etc.
Ambulance charges	Lower of actuals or Rs.1,500.
Cash allowance for each day of hospital stay	Rs.250 per day.
Domiciliary hospitalisation	Up to 20% of sum assured.
Pre and Post-hospitalisation expenses	Up to 30 days each
Health check costs	1% of average chosen sum assured upon completion of 4 claim-free years.
Package charges for specific treatments	Lower of 80% of actuals or 80% of sum assured.
Donor's hospitalisation expenses	Yes

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IFFCO Tokio Individual Medishield Policy

Basis	Individual or Family floater
Entry age	3 months to 80 years, 3 months to 5 years for children, if both parents are covered under the same plan.
Medical screening	Required for persons above 45 years.
Sum assured	Rs.1 lakh to Rs.5 lakhs, in increments of Rs.50,000.
Cumulative or No-claim bonus	5% increase in chosen sum assured, upon renewal, for every claim-free year, up to a maximum of 10 years i.e. 50%.
Room charges	1% of the sum assured for each day of hospital stay
ICU/ITU rent	2.5% of the sum assured for each day of hospital stay.
Registration, Service charges, surcharge	Lower of actuals or 0.5% of sum assured.
Pre and Post Hospitalisation expenses	Rs.1 lakh to Rs.5 lakhs, in increments of Rs.50,000.
Fees of medical personnel like specialists, consultants	Yes
Costs pertaining to	Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, OT, Chemotherapy, Dialysis, Prosthetic limbs or devices etc.
Ambulance charges	Lower of 1% of sum assured or Rs.1,500.
Cash allowance	Lower of 1% of sum assured or Rs.250 for each day of hospital stay.
Domiciliary hospitalisation	Up to 20% of sum assured.
Donor's hospitalisation expenses	Yes
Day care procedures	121 days
Add-on cover for 10 major critical illnesses	Payout is equal to base sum assured chosen, paid in addition to base sum assured; 30% additional premium
Ayurvedic/Homeopathic treatment	Up to 10% of the sum assured (includes costs during the pre/post hospitalisation period)
Health check costs	1% of average chosen sum assured upon completion of 4 claim-free years.
Package charges for specific treatments	Up to 80% of sum assured.
Family Package discount	5% up to two members; 10% above two members.

IFFCO Tokio Critical Illness Insurance Policy

Basis	Group Plan
Waiting Period	120 days
Critical Ailments Covered	Cancer, Renal failure, Coronary artery diseases requiring bypass surgery, Major organ transplant, Paralytic cerebral stroke, Accidental injuries resulting in loss of limbs.
Special Features	Each critical illness mentioned in the policy must be confirmed by a registered medical practitioner and supported by clinical, radiological, histological and laboratory evidence acceptable to the insurance company. The company will make payments to the insured person only once. The cover offered by policy shall cease upon the reimbursement of medical expenses incurred as inpatient for suffering from specified critical illnesses.
Exclusions	Treatment cost related to pre-existing diseases. Any medical treatment during the first 120 days of insurance cover. Expenses in treatments related to Human T-Cell Lymphotropic Viruses Type II (HTLV-III) or Lymphadinopathy Associated Viruses (LAV) or AIDS related conditions. Expenses incurred in treatment for ailments caused by drug addiction or alcoholism. Attempted self-injury or suicide Injuries caused by nuclear weapons, war and terrorist attack.

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IFFCO Tokio Family Health Protector Policy

Basis	Family floater
Entry Age	18 years to 65 years.
Sum Assured	Ranges from Rs. 1, 50,000 to 5,00,000.
Inpatient hospitalisation costs	Sum insured > Rs. 7 lakhs - the actual amount; no sub limits. Sum insured < Rs. 7 lakhs - Lower of actuals or up to 1.5% of sum assured.
Intensive Care Unit (ICU)	Lower of actuals or up to 2.5% of sum assured.
Registration charges and service charges	0.5% of sum assured per hospitalisation.
Costs pertaining to	Blood, oxygen, x-ray, radiotherapy, chemotherapy, operation theatre and other consumables, equipment or services as required for treatment.
Domiciliary hospitalisation	20% of sum insured.
Ambulance charges	Lower of Rs.2,500 or 0.75% of sum insured or Rs 2500.
Pre/Post-hospitalisation expenses	Up to 45 days and 60 days respectively.
Day care procedures	121 days
Health check expenses	Every 4 claim-free years ; up to 1% of average sum insured.
Vaccinations	Every 2 years; 7.5% of total premium paid (single member) and 15% of total premium (all members).
Benefits Offered	Prescribed vitamins and tonics. Ayurveda, homeopathy, unani and siddha treatment subject to limits. Doctors, consultants, anaesthetists Organ donor's hospitalisation expenses
Critical Illness	Additional sum insured
Cumulative/No-claim bonus	5% of basic sum assured upon renewal after every claim-free year, up to 50%

IFFCO Tokio Health Protector Plus Policy

Entry Age	18 to 65 years
Renewability	Lifelong
Basis	Family floater/Individual
Policy term	One year.
Sum Assured	Ranges from Rs.2, 00,000 to Rs. 25, 00,000.
Medical Screening	Required for individuals for the age group of 46 years and above
Ambulance charges	Lower of actuals or Rs 3000
Daily cash allowance	0.10% of sum assured.
Domiciliary hospitalisation expenses	20% of sum assured
Pre/Post-hospitalisation	Up to 30 days/ 60 days respectively.
Benefits Covers	Boarding and nursing. Medical practitioner, anaesthetist, consultant fees. Blood, oxygen, x-ray, radiotherapy, chemotherapy, operation theatre. Ayurveda, Homeopathy and Unani treatments undertaken at government approved centres. Organ donor's hospitalisation expenses.
Waiver of deductibles	On payment of additional premium in case of loss or change of job; for insured persons up to 55 years.
Discounts	Family discount on total premium: 5% for 2 members; 10% for 3 or more members. Online purchase discount: 5% on total premium.

IFFCO Tokio Health Protector Policy

Sum Assured	> Rs 5 lacs - the actual amount. < Rs 5 lacs - lower of actuals or up to 1.75% of sum assured.
Policy Tenure	1 year
Sum insured	Ranges from Rs.1, 50,000 to Rs. 5,00,000.
Intensive Care Unit	Lower of actuals or up to 3% of sum assured.
Registration charges and service charges	0.5% of sum assured per hospitalisation.
Domiciliary Hospitalisation	20% of sum insured.
Ambulance Charges	Lower of 1.00% of sum insured or Rs 2,500.
Cash Allowance	0.20% of sum insured per day during hospitalisation.
Pre/Post-hospitalisation expenses	Up to 45 days/60 days respectively.
Health Check Expenses	Every 4 claim-free years , up to 1% of average sum insured.
Vaccination Charges	Every 2 years; 10% of total premium paid.
Benefits Covers	Fees pertaining to Doctors, Consultants, Anaesthetist's. Costs for consumables or equipment like blood, oxygen, x-ray, radiotherapy, chemotherapy,operation theatre and other related expenses necessary for treatment. Cost of prescribed vitamins and tonics. Ayurveda, homeopathy, unani and siddha treatment subject to limits. Organ donor's hospitalisation expenses within limits Terrorism-related injuries or illness.
Discounts	5% annual increments in basic sum assured
Add-on Covers	Critical Illness:

IFFCO Tokio Personal Accident Insurance Policy

Entry Age	5 years to 70 years
Basis	Individual or Family floater
Death Benefits	100% of sum assured
Loss of sight (both eyes)	100% of capital sum assured
Loss of two limbs	100% of capital sum assured
Loss of one limb and one eye	100% of sum assured
Loss of sight in one eye	50% of capital sum assured
Loss of one limb	50% of capital sum assured
Permanent total and absolute disablement	100% of capital sum assured
Any other permanent partial disablement	% as assessed by doctor
Temporary total disablement	1% of capital sum insured or Rs.25000 whichever is lower
Expense for carrying dead body	2% of sum insured or Rs.25000
Ambulance Charges	Rs.1000 per insured person
Loss of Employment	Rs.10000 or 1% of capital sum insured whichever is lower
Education Expense	In the event of death or total permanent disablement of the policyholder 10% of capital sum assured up to a maximum of Rs.5000 for children up to age 23 10% of capital sum insured subject to a maximum of RS.10000 for children more than 23 years of age
Benefits Covers	Employment Benefit Ambulance Benefit Education Benefit Cumulative Benefit

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IFFCO Tokio General Insurance Customer Care

IFFCO Tokio General Insurance Company Limited, one of India's most popular general insurance provider, was established following a joint venture between the Indian Farmers Fertilizer Cooperative (IFFCO) and Tokio Marine and Nichido Fire Group. The insurer currently offers a wide range of general insurance products to cater to the needs of a varied customer base. Under their health insurance segment, the insurer offers a number of individual, and family health insurance policies, along with others like personal accident insurance, critical illness, and more.

To take care of customer queries and grievances, IFFCO Tokio has set up a dedicated and highly trained customer support team that can be reached via various mediums. Customers can get in touch with the support staff by dialling on the company's dedicated customer service phone helpline. They can also write in to the customer care department via email to register their policy-related queries, complaints, and grievances. The helpline can be used to register a number of requests such as requesting for a policy copy, revival of lapsed policies, put in a request for policy change, renew a policy, set renewal reminders, make queries regarding claim, among various other requests. Besides the online channels, customers can also write to the insurer's corporate address as well.

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IFFCO Tokio Cashless Network Hospitals

IFFCO Tokio offers health insurance plans that provides reimbursement and cashless facilities in India. Insured members can avail cashless facility at any of the network hospitals of IFFCO Tokio across India. In the case of cashless hospitalisation at a network hospital, the insured member doesn't have to settle the hospital bills at the time of discharge. The hospitalisation expenses will be paid by the insurer's third-party administrator directly to the hospital.

To avail cashless hospitalisation, prior approval is needed from the TPA before admission. In the case of an emergency hospitalisation, approval can be obtained after admission. To locate a network hospital in your place of residence, select your state and city from the drop-down box on the Network Hospital Locator tool. You will get a list of network hospitals in your area with contact details instantly.

How to File a Claim with IFFCO Tokio?

At IFFCO Tokio, you can apply for health insurance claim in 2 ways:

Cashless Claim: In the case of a planned hospitalisation at a network hospital, intimate the insurer 3 days prior to admission. For unplanned hospitalisation, intimate the insurer upon admission by contacting the customer toll-free helpline number. Display your health card and a photo ID at the hospital desk. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer's TPA. After verification of the pre-authorisation request, the hospital will receive an approval letter from the TPA, and proceed with the cashless treatment. Cashless claim approval will be sent within 24-hours of receipt of documents.
Reimbursement Claim: In the case of hospitalisation at a non-network hospital or cashless claim denial at a network hospital, the insured member will have to pay the medical bills upfront out of his or her pocket and make a reimbursement claim within 7 days of discharge. Submit the claim form along with the necessary medical documents at the nearest IFFCO Tokio branch office. Upon successful verification of the claim request, the claim amount will be sent via cheque to the insured member within 20 days of receipt of the documents.

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Examples of Network Hospitals in Major Cities

CITY	NAME OF HOSPITAL
DELHI	INDRAPRASTHA APOLLO HOSPITAL
MUMBAI	MANGAL ANAND HOSPITAL
KOLKATA	RABINDRANATH TAGORE INTERNATIONAL INSTITUTE OF CARDIAC SCIENCES
BANGALORE	CHURCH OF SOUTH INDIA HOSPITAL
CHENNAI	SHIVASUNDER HOSPITAL

*Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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FAQs on IFFCO Tokio Health Insurance

Do I need to go personally for renewing my IFFCO Tokio policy?
No. There are many health insurance policies that can be renewed online too.
Can I cancel my IFFCO Tokio policy?
Yes. A policy can be cancelled and the premium paid is refunded based on the rates mentioned in policy terms and conditions.
Is dental treatment covered under IFFCO Tokio Health Insurance schemes?
Yes. Dental treatment is covered up to a certain maximum amount.
Are emergency services covered under the base plan and the wider plan of the IFFCO Tokio Health Insurance Policy?
Yes. Emergency services like ambulance and to and fro hospital travel of one designated family member is also covered under the IFFCO Tokio Health Insurance Policies. Other emergency services like care/transportation of minor children, medical repatriation etc. are also provided.
What happens to the policy once a claim is made?
The policy will continue normally, however, whatever is the amount of claim made that would be reduced from the sum assured. For e.g. a policy of 5 lakhs will be reduced to 3 lakhs in case a claim of 2 lakhs has already been made.

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