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Iffco Tokio

Iffco Tokio

Family Health Protector

A decent policy that does an okay job for the most part. But if you're looking for a comprehensive policy, this may not be it.

What's good here?

coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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restoration

Unlimited Restoration Benefit

Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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What's bad here?

roomRent

Restrictions on the rooms you can pick and much more

Your insurer won’t let you stay in a room whose rent exceeds 1.5% of the sum insured for Class A (big cities) and 1.25% for others. If it’s an ICU they’ll bump it to 2.5% of the sum insured for Class A (big cities) and 2% for others. And in the event you breach these limits, then you’ll have to pay a lot more. Read more here

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diseaseSublimit

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 25% each year, so long as you make no claims during this period. But you get this exorbitant benefit only for 1 year. After this, it will grow at 10% each year. And they’ll keep growing until your bonus cover tallies up to 100% of the sum insured. So if you start with a cover of ₹100. Then it’ll keep growing till it reaches ₹200.

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domiciliary

Some coverage if you are forced to hospitalize at home

The insurer will pay up to 20% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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healthCheckup

Free Health Checkups every 2 years

If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the insurer will cover the costs.

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Add-ons

Consumables Protector

With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

Room Rent Waiver

With this add-on, the insurance company modifies the room rent restriction to any room.

Critical Illness

With this add-on your sum insured gets doubled in case a life-threatening disease is diagnosed to help you manage treatment costs.

Co-payment

This benefit helps to opt for co-payment between 10% to 25%.

Frequently Asked Questions

Yes. Family Health Protector imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 1-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
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