A family health insurance plan guards your family members from unknown medical urgencies. A family health insurance plan safeguards your family’s tomorrow-anything in the form of unforeseen medical bills no more worries for you. It has one such trusted provider, IFFCO Tokio, known for all the wide-ranging benefits and access through the IFFCO Tokio portal and ITGI login.
Coverage You Can Rely On
The family health insurance plan covers a wide range of medical expenditure, from pre- to post-hospitalization check-ups, hospital bills, scans, diagnostics, and much more. These all-inclusive benefits are like an oasis during times of need. And on top of everything else, cashless hospitalization at over 7,000+ hospitals has the quality of health care just a thought away. Additionally, in case one needs any kind of support, there is an IFFCO Tokio insurance toll-free number there to guide you.
Instant Services and Incentives for Healthy Lifestyle
Besides medical care, our family health insurance plan offers incentives for healthy living. These services are procured with instant settlement of claims and issuance of policies, making sure that you and your family never experience any kind of delay in getting full protection.
With a rating of 4.8-star rating from customers and a high claim settlement ratio, IFFCO Tokio is one of the top 5 health insurance companies in the country this 2023, because it gives you easy access to all your information through the IFFCO Tokio login and ITGI login portals.
Get to know how family health insurance works:
Family Health Insurance, also referred to as Floater Plan, covers the entire family under a single policy. All members of the family are offered protection by purchasing just one plan rather than buying individual health insurance plans for each member of the family. This results in a cost-effective option by taking only one plan instead of individual ones, and there is shared coverage, which results in ensuring the sum insured at all times when required.
Sum Assured: The sum assured for this IFFCO Tokio family health insurance is far more than an individual policy, so that there is much more protection accorded to your family.
It is quite easy and cost-effective to have only one policy and renew it easily online through the IFFCO Tokio CRM or IFFCO Tokio portal while not having to worry about the benefits.
Does your family really need health insurance?
The answer is yes! Health insurance will always save you from any unseen medical expense and keep your family secure for all time. Some of the benefits IFFCO Tokio Health Insurance offers are listed below:
Comprehensive Coverage: There is one policy covering your whole family, including spouse and children, thus giving you full financial protection.
Greater Sum Assured: Family floater plans, as compared to an individual plan, offer a much higher sum insured that is better coverage for the family.
Cost-effective: In comparison to taking out different insurance covers for each family member, family health insurance is also relatively much cheaper.
Economic Security: In the event of any medical emergency, your savings are left untouched since the medical bills will be covered by family health insurance.
Tax Benefits: You can claim an income tax up to ₹1,00,000 under Section 80D of the Income Tax Act.
Savings and Peace of Mind: This covers your family’s medical bills so you are ensured that your family members would be healthy in the eventuality of any medical situation.
Why IFFCO Tokio Family Health Insurance?
There are many reasons for availing IFFCO Tokio Health Insurance for your family:
No Delay in Policy Issuance and Instant Claim Settlement ensures swift and efficient service.
Personalized Plans designed according to your family’s requirements.
Support assured 24×7 through IFFCO Tokio insurance toll-free number; help reaches the customer at all times
Log in with IFFCO Tokio along with the post ITGI login system, a secure way of managing your policy.
Important Features of IFFCO Tokio Family Health Insurance
Robust coverage has helped IFFCO Tokio to stay different not only in top 5 health insurance company lists in India for 2023 but also through these policies in India. Some of these features are as follows:
Sum Assured: Max up to Rs. 30 lakhs
Room Rent and ICU Charges: Reimbursement up to actuals
Ambulance Charges: Reimbursement up to Rs. 2,500
Critical Illness Cover: Included cover
Daycare Treatments: More than 380+ treatments included
Inpatient and Day-Care Expenses: Reimbursed up to 60 and 90 days, respectively
Other advantages of being aware of your IFFCO Tokio health insurance claim status are that you can easily keep track of it online through the IFFCO Tokio CRM or the IFFCO Tokio portal so that you are well updated regarding your claims.
Inclusions: What IFFCO Tokio Health Insurance Covers for Your Family
Choosing IFFCO Tokio Health Insurance means that your family is protected from a lot of medical expenses, including:
Day Care Surgeries: Over 380 procedures are included.
Hospitalization Fees: Rent of room, surgeon’s charges, and many more.
Pre-hospitalization and Post-hospitalization: Expenses for medical costs incurred pre-hospitalization and post-hospitalization
Critical Illness: The policy takes care of all the expenditures in case of severe diseases.
What is Not Covered?
Some medical ailments and their treatments are not covered under the IFFCO Tokio Family Health Insurance. Exclusions include:
Cosmetic Surgery: Treatments only to look good rather than for any medical need.
Dental Care: Preventive measures include cleanings and check-ups.
Pregnancy-Related Conditions: Normal child delivery and pregnancy are not covered.
Self-Harm Injuries: Injuries received from self-inflicted purposes are covered.
High-Risk Activities: Injuries due to war or adventurous games are not included.
How to Choose the Best Family Health Insurance Plan
Choosing the best family health insurance plan is extremely important to ensure financial security in case of any medical emergencies. Here’s all you need to know before buying the perfect family health insurance plan:
Family Needs Assessment: Evaluate each member’s need for health care, from your age to that of your family members, a pre-existing medical condition, and potential future health concerns. This is the way to choose the right coverage to provide suitable care for all.
Sum Insured: Sum Insured should be as high as possible. Medical costs are increasing with each day, and insurance claims with sufficient sum assured prevent all the family members from financial shocks during emergencies. Observe the living cost in your city and family specific medical history also.
Wide Coverage:
One should take plans that cover most of the benefits, which include but are not limited to, pre- and post-hospitalization expenses, annual health checks, daily allowance, and cashless treatment, to ensure all critical aspects of health care are taken care of.
Network of Hospitals: The insurance plan must ensure a wide network of hospitals in your area for cashless treatments. A large number of hospitals ensure that you never get stuck in one spot during a medical emergency.
Affordable Premiums: While cost shouldn’t be the deciding factor, choose a plan that balances the wallet with coverage. Choose to look at options where the premium is low and does not compromise on the benefit.
Claim Settlement Ratio: Once again, choose an insurer that has a high claim settlement ratio. This enhances the chances of getting your valid claims settled in a timely manner.
Understand Exclusions: Do read the list of exclusions so you do not have any surprises during the claim. You will understand what kind of treatments or conditions are not covered under the plan.
Customer Support: Choose an insurer with excellent customer support. Timely response during emergencies or during the period of claims can turn out to be a significant difference in your experience.
Family Health Insurance Eligibility Criteria
While purchasing family health insurance, eligibility might rest on various grounds:
Age: The policyholder must be of an age between 18 and 60.
Citizenship:Indian citizens who reside in India are usually eligible for the cover.
Medical History: Previous conditions can affect the coverage or waiting period in case of pre-existing conditions.
Lifestyle: Smoking, amongst other risky lifestyle practices, can dictate premium rates and eligibility.
Occupation: Some jobs are deemed riskier than others and may have specific requirements.
How to Buy Family Health Insurance?
You have two ways to purchase family health insurance:
Traditional Method: One can also go to an IFFCO-Tokio branch and consult with an agent to match your needs with the right coverage.
Online Method: A person can also go to the website of the insurer for a faster experience. In this case, one has to provide just basic details, get a call from an insurance agent who will customize the plan according to his or her requirements, and buy it online. Just after making the payment, the policy documents reach your doorstep.
Benefits of Buying Family Health Insurance Online
Time-Saving: Now, purchase the policy in minutes from your home or office.
Easy: No need to waste time in branches; the product is available at all times.
Instant Policy Issuance : The policy is issued instantly after purchase
Expert Guidance: Qualified assistance for the right plan for you
Transparent & Secure: Clear information on coverages and secure gateways for payment
Steps to Buy Family Health Insurance Online
Fill in Information : Information about your family members.
Customize the Plan: Additional coverage or add-ons can be selected if required.
Buy Now: Have a look at the policy details and proceed to pay. Your policy will be sent to you instantly.
Renew Family Health Insurance Online
Renew your Policy online easily and very quickly:
Enter the necessary details: Input your policy number and other policy holder’s details.
Renew Policy: Pay your Renewal Premium, and your updated Policy will reach you at your email.
Tax Benefits of Family Health Insurance
Family health insurance not only offers protection but also tax savings under Section 80D of the Income Tax Act. You can deduct the premiums paid from your taxable income. The table below shows possible savings:
| Policy for? | Self & Family Deduction | Parents Deduction | Maximum Deduction |
| Self & Family (below 60 years) | ₹25,000 | – | ₹25,000 |
| Self & Family + Parents (below 60 years) | ₹25,000 | ₹25,000 | ₹50,000 |
| Self & Family (below 60 years) + Parents (above 60 years) | ₹25,000 | ₹50,000 | ₹75,000 |
| Self & Family + Parents (All above 60 years) | ₹50,000 | ₹50,000 | ₹1,00,000 |
By choosing the right family health insurance, you safeguard your family’s health and gain financial benefits as well.
Conclusion
IFFCO Tokio Health Insurance allows you to have an affordable family health cover through which you can save yourself financially in medical emergencies. By using the IFFCO Tokio portal and ITGI login, you can manage the insurance well. Above all, a large number of hospitals and excellent customer service ensure that the health of your family is at the top. Call the IFFCO Tokio Insurance toll free number for any assistance and know about the status of your claim in IFFCO Tokio Health Insurance.