Buying health insurance from IFFCO Tokio offers you the chance to be with a company that is 100% committed to the development of policies and services that suit every need of yours, in times when you need them most.

1. Health Insurance
by IFFCO Tokio

2. WHAT IS HEALTH INSURANCE
Health insurance is a type of insurance coverage that covers the cost of an
insured individual's medical and surgical expenses. A health insurance policy
provides financial aid in times of medical emergencies and having a suitable
policy in place is an ideal situation.

3. WHY YOU NEED HEALTH INSURANCE
• You might not fall ill often, but that doesn’t imply that you never will
• Life is unpredictable
• Lifestyles are increasingly sedentary these days
• Healthcare increases in price each year
• If admitted, you’d want to concentrate on getting better and not on the
financial constraints
• Cashless facilities at major hospitals
• Coverage for a number of illnesses and day care procedures

4. TYPES OF HEALTH INSURANCE
• Critical illness Insurance Policy
• Family Health Insurance Policy
• Medishield & Mediclaim Policy
• Personal Accident Policy

5. Critical illness Insurance Policy
Treatment for a critical illness can leave a person financially crippled. The
critical illness insurance policy charges a fraction of the normal premium
that is paid for a full medical cover and offers complete coverage in case the
policy holder is diagnosed with a critical illness.

6. Family Health Insurance Policy
The family health insurance policy is available on a floater basis where the
entire family is covered under a single sum insured. This type of policy offers
protection to the policy holder, their spouse, dependent parents, children,
relatives living together etc. It covers disease and injury related
contingencies like hospitalization, surgery charges, etc. for the whole family.

7. Medishield & Mediclaim Policy
The Medishield and Mediclaim policies provide coverage in case the policy
holder or a family member meets with an accident or an illness that may
result in their hospitalization. The policy offers cashless benefits in a number
of major hospitals and also reimburses pre and post hospitalization expenses
that are incurred.

8. Personal Accident Policy
Personal accident insurance policies are designed to support a policy holder
through the uncertainties of life. It provides coverage against accidents that
may lead to bodily injury or even death of the policy holder. The policy also
provides financial aid in case of partial or full disabilities that may occur due
to an accident.

9. Buy Health Insurance with IFFCO Tokio
Buying health insurance from IFFCO Tokio offers you the chance to be with a
company that is 100% committed to the development of policies and
services that suit every need of yours, in times when you need them most.
The customized covers and personalized services make for insurance
products that are the best suited for you and are a complete value for
money. IFFCO Tokio’s wide array of health insurance is in place to ensure
complete protection for you and your family.

10. What We Cover:
• Pre & Post Hospitalization Expenses
• Domiciliary Hospitalization Expenses

11. Pre & Post Hospitalization Expenses
Pre and Post Hospitalization expenses are covered for a maximum period of
30 days each, beyond hospitalization:
• Post Hospitalization expenses, limited to 7% of the total hospitalization
expenses (excluding Room Rent), subject to a maximum of Rs. 7,500
• Nursing expenses during pre and post hospitalization periods if a qualified
nurse is employed on advice of the medical practitioner
• Ambulance charges, subject to maximum Rs 750

12. Domiciliary Hospitalization Expenses
Domiciliary hospitalization refers to medical treatments that would normally
require hospitalization, but for various reasons (specified in the policy), are
taken at home. This feature has the following covers:
• Expenses up to a sub-limit of 20% of the sum insured
• For medical treatment at home that exceeds 3 days
• Ambulance charges (if required)
• Daily allowance (based on policy)

13. Corporate Office, IFFCO Tower,
Plot No. 3, Sector 29, Gurgaon -122001
Haryana(India)