IFFCO Tokio Health Protector Policy

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      IFFCO Tokio Health Protector Policy

      “Don’t forget to protect yourself from unfortunate illnesses”. This policy covers you and your family against expenses of hospitalization, organ transplant, surgical expenses and medical expenses in case of injury or illness. You can cover your whole family under this policy.

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      Key Features

      • Room expenses and ICU expenses are covered according to the city in which you are living
      • Registration charges, service charges and surcharge are covered up to 0.5% of sum insured.
      • Terrorism is covered.
      • It covers the fees of surgeons, physicians and other medical practitioners.
      • Ambulance charges up to 1% of sum insured or Rs 2500 is covered whichever is less.

      Benefits

      • On every claim free renewal, sum insured is increased by 5% and it can be extended up to 50% on regular claim free renewals.
      • After 4 claim free years, cost of health checkup will be covered up to 1% of sum insured.
      • Vaccination charges up to 10% of (premium paid in two years) will be covered after two claim free renewals without break.

      Details about Premium

      Sum insured can be taken less than or more than 5 lacs. Premium will depend upon number of family members covered and the age of the persons covered under this policy.

      Policy Details

      Coverage: Self, spouse, mother, father, brother,sister,brother in law, sister in law,nephew, niece and the relatives who are of the same family.

      Policy period: Policy is issued for 1 year and this policy requires renewal at the end of policy period for continuous coverage.

      Portability: If the insured wants to port his policy from the present insurer to new insurer, it should inform to the insurance company 45 days prior to the date of renewal.

      Free look period: After buying the policy if the policy holder is not satisfied with the policy, a free look period of 15 days is given to the policyholder to return the policy.

      Refund of premium: In case of fraud or misrepresentation, insurer can cancel the policy .In case insured wants to cancel the policy, he/she is entitled to refund of premium as follows.

      Period of cover)

      Refund of annual premium rate (%)

      up to 1(one) month

      75% (seventy five percent)

      Up to3(three) months

      50% (fifty percent

      Up to 6(six) months

      25% (twenty five percent)

      Exceeding 6 months

      nil

      *The above rates may change. Please check the policy wordings for more details.

      Additional Riders or Features

      To cover critical illnesses, an additional premium of 30% of basic premium should be paid .It covers critical illnesses such as:

      1. Cancer
      2. Surgery
      3. Bone marrow transplant
      4. Kidney failure
      5. Paralysis of limbs

      Documents Required

      The proposer needs to fill an application/proposal form to buy this policy. Insurer might ask the proposer to submit his past medical history.

      Eligibility criteria

      The proposer for this policy should be in the age slab of 18 years to 65 years.

      Inclusions

      Expenses(for sum insured less than 5 lacs)

      Class A

      Class B

      Room expenses

      1.75%of sum insured

      1.50% of sum insured

      ICU expenses

      3% of sum insured

      2.5% of sum insured

       

      • Pre-hospitalization charges up to 45 days and post hospitalization charges up to 60 days are covered.
      • Daily allowance up to 0.20% of sum insured per day is covered in case of hospitalization.

      Exclusions

      • Pre-existing diseases are not covered up to a period of 36 months from the day of commencement of policy.
      • Co-payment: copayment splits the cost between insurer and insurer. Percentage of copayment is the cost that is incurred by the insured.

       

      No. Of Claims

      Percentage of Co-payment

      First claim

      Ni

      Second claim

      7.5%(seven and half percent)of the admissible claim amount

      Third claim

      10%(ten percent) of the admissible claim amount

      Fourth claim and above

      20%(twenty percent) of the admissible claim amount

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit
      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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