Health Protector

9.4
Expert ScoreRead review

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.

3,778.00

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Category:
Health insurance

Health Protector

9.4
Expert ScoreRead review


Premium Amount

3,778.00

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.

Category:
100% Cover restoration
100% of cover amount
Free Health Check-up
-
Daily cash allowance
0.20% of daily sum insured per day for total hospitalization days
Ambulance charges
Up to Rs. 2000.0
Pre-hospitalisation
Expenses for 45 days covered
No claim bonus
5% for every claim free year, upto maximum of 50%
Post hospitalisation
Expenses for 60 days covered
Ayush treatments
Ayush benefit up to Rs. 200000
Maternity
NA
Outpatient Expense
NA
Organ donor expenses
Covered up to Rs. 200000
New-born treatment
NA
Domiciliary Hospitalisation
Domiciliary Hospitalisation Covered up to Rs. 40000
Recovery allowance
NA
Sum Insured
2 Lakh
E- Consultation
NA

Pros

NA
5% for every claim free year, upto maximum of 50%
Ayush benefit up to Rs. 200000
Domiciliary Hospitalisation
Domiciliary Hospitalisation Covered up to Rs. 40000

cons

Category:

USP of This Plan

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

9.4Expert Score
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.
BEST VALUE SCORE
9.4

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.
Health Protector
3,778.00

Health Protector

Added to wishlistRemoved from wishlist 0
Add to compare
9.4Expert Score
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.
BEST VALUE SCORE
9.4

Specification: Health Protector

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Health Protector

3,778.00

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