IFFCO TOKIO Individual Medishield Policy

Pre-Hospitalisation:

Medical expenses incurred 60 days prior to the hospitalization are reimbursed.

Hospitalisation:

All expenses including the following reimbursed:

Room and board, doctors’ fee, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia and oxygen administration expenses, Room, boarding & nursing expenses for normal room/ICU limited to 1% /2.5% of basic sum insured per day respectively.

Post-Hospitalisation:

Get coverage for medical expenses related to the hospitalisation, for a period of 60 days after discharge.

Hospital Daily Allowance:

In addition to hospital expenses, a daily hospital allowance will be paid for the period of hospitalisation.

Emergency Assistance Service:

In the event of an emergency, assistance services like medical consultation, evaluation and referral, emergency medical evacuation, care for minor children etc are provided.

Local Ambulance Service:

Get coverage for ambulance charges in the event of an emergency

General Health Check-up:

Get reimbursement of the expenses incurred for general health examination (once in a block of 4 claims free years)

Cumulative bonus:

Get 5% extra sum insured for every claims free year subject to a maximum of 50% of capital sum insured.

Benefits under Section – 80D:

Get tax benefits on the premium paid for the policy under Section 80D of Income Tax Act, 1961.

Critical illness extension:

Get coverage for 10 named critical illness for double the basic cover sum insured at 40% of the basic cover premium