IFFCO TOKIO Swasthya Kavach Family Health Policy

IFFCO TOKIO Swasthya Kavach (Family Health) Policy gives protection cover to you and your family for any injury or disease related contingencies like hospitalization, medical expenses, surgical expenses, organ transplantation, etc. The Policy also offers unique Critical Illness Coverage (Optional) for the family.

Pre-Hospitalisation:

Get reimbursement for medical expenses incurred 30 days prior to the hospitalization.

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 expenses for normal room/ICU limited to 1% /2% of sum insured per day for Base Plan and 1.5%/2.5% of basic sum insured for Wider Plan respectively. There are also restrictions on other hospital expenses in accordance with the room rent under the Base Plan.

Post-Hospitalisation:

Get coverage for medical expenses related to the hospitalisation, for a period of 30 days after discharge subject to specified limits under Base Plan and 60 days after discharge under wider plan.

Day care surgeries:

The policy covers 121 defined day care surgeries that requires less than 24 hours hospitalisation.

Hospital Daily Allowance:

In addition to hospital expenses, a daily 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:

Reimburse the expenses incurred for general health examination (once in a block of 4 claims free years) – Applicable only under Wider Plan

Cumulative bonus:

You will be provided with a 5% extra sum insured for every claims free year subject to a maximum of 50% of capital sum insured- Applicable only under Wider Plan

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 for family:

Get coverage for 10 named critical illness for double the basic cover sum insured.