Iffco Tokio Family Floater Plan
IFFCO TOKIO General Insurance Company Limited
Highlighted Features
Room Rent (Normal & ICU)
The IFFCO Tokio Family Floater Health Insurance plan allows policyholders to opt for any hospital room without specific sub-limits on room rent. ICU charges are also covered up to the sum insured
Advanced Treatments
Includes modern procedures like robotic surgery, stem cell therapy, and high-intensity ultrasound, covered up to the sum insured.
Policy Wording
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Our Verdict
IFFCO Tokio Family Floater Health Insurance provides comprehensive family coverage with add-ons like critical illness, maternity, and global treatment. Ideal for families seeking flexible, inclusive, and affordable health protection.
About the Plan
The IFFCO Tokio Family Floater Health Insurance plan is designed to provide comprehensive medical coverage for the entire family under a single sum insured. It covers hospitalization expenses, pre and post-hospitalization costs, daycare procedures, ambulance charges, and domiciliary treatments. The plan ensures financial security by offering cashless treatment at a wide network of hospitals. With flexible sum insured options, tax benefits, and optional add-ons for enhanced protection, this policy is an ideal choice for safeguarding your family’s health and well-being.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
The IFFCO Tokio Family Floater Health Insurance plan allows policyholders to opt for any hospital room without specific sub-limits on room rent. ICU charges are also covered up to the sum insured
Advanced Treatments
Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.
Co-payment
The IFFCO Tokio Family Floater Health Insurance plan typically does not have a mandatory co-payment for most policyholders.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.
Cashless Healthcare Providers
Access to an extensive network of over 5,000 hospitals across India for cashless treatment.
Day Care Treatments
Coverage for medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.
AYUSH Treatment
Expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
Exclusions
Pre-existing diseases are not covered until the completion of the specified waiting period.
Any illness diagnosed or treatment received within the first 30 days of policy inception, except for accidents.
Injuries or illnesses caused due to self-inflicted harm, suicide attempts, or substance abuse.
Treatment for cosmetic or aesthetic procedures unless required due to an accident or medically necessary.
Expenses related to dental, hearing, and vision treatments unless specified in the policy.
Any medical treatment received outside of India unless covered under a specific add-on.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Treatment related to infertility, sterility, or assisted reproductive procedures like IVF.
Congenital diseases, genetic disorders, or birth-related abnormalities unless explicitly covered.
War, terrorism, nuclear contamination, or radiation-related injuries and treatments.
Exclusions
Critical Illness Cover - Provides a lump sum payout if the insured is diagnosed with a specified critical illness, ensuring financial support during treatment.
Hospital Cash Benefit - Offers a daily cash allowance during hospitalization to cover non-medical expenses such as travel, food, and miscellaneous costs.
Personal Accident Cover - Provides financial protection against accidental death or disability, ensuring additional security for the policyholder and their family.
Maternity and Newborn Cover - Covers maternity expenses, including delivery costs and newborn baby care, ensuring comprehensive protection for expecting mothers.
OPD Cover - Reimburses expenses related to outpatient consultations, diagnostic tests, and prescribed medicines, reducing the financial burden of routine medical care.
Global Treatment Cover - Extends coverage for specified treatments abroad, allowing policyholders access to advanced healthcare facilities worldwide.
Add-ons
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About the Company
IFFCO Tokio General Insurance Company Limited was established in 2000,it is a joint venture between the Indian Farmers Fertiliser Co-operative Limited (IFFCO) and Japan's Tokio Marine Group, with IFFCO holding a 51% stake and Tokio Marine 49%.
The company offers a diverse range of insurance products, including health insurance plans tailored for individuals and families. Their health insurance policies provide comprehensive coverage with sum insured options up to ₹1 crore, access to over 7,000 network hospitals across India, and benefits such as pre-hospitalization coverage (usually 60 days), post-hospitalization coverage (usually 90 days), and no pre-policy medical tests for applicants up to 60 years of age.
Additionally, they offer wellness benefits and a simple claim process, aiming to deliver peace of mind and financial security during medical emergencies.
MD and CEO of IFFCO Tokio insurance, Mr Subrata Mondal aims to make insurance accessible and affordable to a larger crowd by offering simpler claim processing and extensive coverage.
About the Company
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