Health Protector
- Cover :₹ 3.0 Lakhs
- Bonus / NCB :5% of cover amount for every claim free year, max up to 50%
- Copay :10%
- Claims Settled :87.76%
- Iffco Tokio Individual Health Protector is an individual health insurance policy which can be bought on individual sum insured basis for you or any other member of your family including your spouse, dependent children, dependent parents, brother, sister or any other relatives living together with you. Besides offering basic coverage features like pre and post hospitalization, organ donor expenses, hospitalization costs, day care treatments, etc. ; the plan also allows an additional cover for Critical Illnesses at an extra premium under the same floater policy. Thus, the plan extends an all-round coverage protection to for you and your family members including relatives if any, that too at an affordable price.
₹4,899.00
Health Protector
Premium Amount
₹4,899.00
- Cover :₹ 3.0 Lakhs
- Bonus / NCB :5% of cover amount for every claim free year, max up to 50%
- Copay :10%
- Claims Settled :87.76%
- Iffco Tokio Individual Health Protector is an individual health insurance policy which can be bought on individual sum insured basis for you or any other member of your family including your spouse, dependent children, dependent parents, brother, sister or any other relatives living together with you. Besides offering basic coverage features like pre and post hospitalization, organ donor expenses, hospitalization costs, day care treatments, etc. ; the plan also allows an additional cover for Critical Illnesses at an extra premium under the same floater policy. Thus, the plan extends an all-round coverage protection to for you and your family members including relatives if any, that too at an affordable price.
100% Cover restoration
Free Health Check-up
-
Daily cash allowance
Ambulance charges
Pre-hospitalisation
No claim bonus
Post hospitalisation
Ayush treatments
Maternity
Outpatient Expense
Organ donor expenses
New-born treatment
Domiciliary Hospitalisation
Recovery allowance
Sum Insured
E- Consultation
Pros
Domiciliary Hospitalisation
cons
USP of This Plan
- Cover :₹ 3.0 Lakhs
- Bonus / NCB :5% of cover amount for every claim free year, max up to 50%
- Copay :10%
- Claims Settled :87.76%
- Iffco Tokio Individual Health Protector is an individual health insurance policy which can be bought on individual sum insured basis for you or any other member of your family including your spouse, dependent children, dependent parents, brother, sister or any other relatives living together with you. Besides offering basic coverage features like pre and post hospitalization, organ donor expenses, hospitalization costs, day care treatments, etc. ; the plan also allows an additional cover for Critical Illnesses at an extra premium under the same floater policy. Thus, the plan extends an all-round coverage protection to for you and your family members including relatives if any, that too at an affordable price.
Our Take
Policy Exclusions :
Any claim other than accidental claims inside 30 day waiting period
Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy
Claims settlement
If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
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Specification: Health Protector
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