Iffco Tokio Swasthya Kavach Family Insurance Plan

• Cover for entire family (2 Adults and two children)
• Option of Critical Illness Add-on
• Emergency services like care for minor kids, referral, medical consultation, etc.
• Available in two options – Basic & Wider Plan

• Minimum : 18 years
• Maximum : 65 years

• Maximum Members : 6
• Maximum Adults : 2
• Maximum Children : 4

• Due to scientific advancement, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. This plan covers 121 such procedures.

• In this policy no-claim bonus equal to 5% of basic sum insured up to a maximum of 50 % is available. However, the bonus amount is reduced by 10% of sum insured once you make any claim until you reach the basic sum insured.

• This benefit covers for any expenses related the organ donation for you.

• The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

• The insurance company will pay you for the medical expenses related to your hospitalization 30 days & 60 days post hospitalization in Basic and Wider plan respectively.

• The plan offers a daily allowance of Rs. 150 per day in case of the Basic plan and Rs. 250 per day for Wider plan.

• Offers complimentary health check-up in Wider plan that covers some listed tests, once every four claim-free years.

• You can avail treatment at home up to 20% of sum insured, provided it meets the conditions.

• This plan does not cover expenses related to non-allopathic treatment.

• This plan provides ambulance cover of Rs.750 (or actual, whichever is less) in Basic and Rs.1500 (or actual, whichever is less) in Wider plan.

• This plan does not cover maternity costs, except for ectopic pregnancy.

• For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

• This policy provides additional cover for critical illness at an additional premium.

• 1% of sum insured for standard room expenses
• 2% of sum insured for Intensive Care/Therapeutic Unit expenses
• Registration and Service Charges of Hospital/Nursing Home to be paid at actuals

• 1.5% of sum insured for standard room expenses
• 2.5% of sum insured for Intensive Care/Therapeutic Unit expenses
• Registration and Service Charges of Hospital/Nursing Home to be paid at actuals

• 10% of co-payment applies if you are suffering from either diabetes or hypertension 25% if you suffer from both. This provision applies to claims originating from diabetes and/or hypertension only.

• A 30 days cooling off period for all claims except any arising out of accidental injuries.

• The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

• You can claim for any pre-existing conditions after 48 months from the policy start date.

Permanent Exclusions - Iffco Tokio Swasthya Kavach Family Insurance Plan

The Plan will not cover any liabilities towards the treatments of following conditions-

Review of IFFCO Tokio Swasthya Kavach Plan

IFFCO Tokio's Swasthya Kavach policy offers you the suitable solution by learning more about your health and coverage requirements. It is affordable, and the premium is attractive and planned to be easy on your pocket. With vast benefits on offer, the insurance policy is sure to satisfy your needs of a secure future.