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IFFCO TOKIO MOS-Bite Protector Policy
IFFCO TOKIO Mos Bite Protector Policy provides a lump sum amount on the diagnosis of the vector-borne diseases covered by the policy. Mos b…
- Lumpsum SI up to 1 Lakh
- Dengue Cover
- Malaria Cover
IFFCO Tokio Health Insurance
IFFCO Tokio Health Insurance
IFFCO Tokio General Insurance Company, established in 2000 as a joint venture between Indian Farmers Fertiliser ...Read More
8,000+
Cashless hospitals
95.82%
Claim settlement
1 Crore
Max sum insured
2
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 8,000+ hospitals
📊 1.85x solvency ratio
✅ 95.82% claim settlement
What you get with IFFCO Tokio Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
8,000+ cashless hospitals
Direct billing at network hospitals across 63 presence — no out-of-pocket payment at admission.
95.82% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.85x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
2 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About IFFCO Tokio Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
IFFCO Tokio Health Insurance
IFFCO Tokio General Insurance Company was formed in 2000 as a joint venture between Indian Farmers Fertilizer Cooperative Limited (IFFCO) and Tokio Marine Group, a Japan-based company. IFFCO Tokio offers a wide range of products to protect you from the financial strain of medical treatments.
What Does IFFCO Tokio Health Insurance Do?
IFFCO Tokio offers several quality-driven products that cater to the diverse healthcare needs of its customers. The plans provide various benefits such as coverage for in-patient hospitalization, cashless facilities, health check-ups, ambulance charges, and pre and post-hospitalization expenses.
Key Highlights:
- 8000+ Network Hospitals
- Gross Premium 2023-24: 10,021
- Versatile Health Insurance
- Tier 2 and 3 Healthcare Provider
- 24X7 Customer Support
What are some of the Features that set them apart?
- Rural-centric initiatives launched by IFFCO Tokio
- Wellness features integrated into IFFCO Tokio health plans
- Emergency Ambulance services
- Wide range of sum insured.
- They have been serving in the market for 20 years.
IFFCO Tokio health insurance awards and accolades
- 13th InfoSec Maestros (CISO) Awards 2024' Award
- BFSI CXO Awards 2024
- CISO Leadership Awards 2024
- Elets Healthcare Innovation Award
- Asia's Best General Insurance Company (India) Award’
Why Choose IFFCO Tokio Health Insurance?
Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 8000 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act
Individual or Family Floater Plan
Whenever choosing a plan, your first step should be to check whether your requirement is for yourself or for your family. Most of the time, family floater plans are beneficial for those who want to secure their family, as they are cheaper than individual plans.
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help a lot to meet these expenses. It is also necessary to choose a policy that offers maximum coverage and amount for your health claims.
Co-Payment Clause
Every policy has some clauses that you need to follow. A co-payment clause is one of those clauses. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much co-payment your policy requires.
Hospital Network
Always check the list of network hospitals included in your policy. Keep in mind what kind of medical facilities you might need in the future.
Waiting Period
Look for the time period you need to wait before claiming reimbursement. Some policies also impose a waiting period on critical illnesses, which you need to check for.
Lifetime Renewal
It is possible that you will need healthcare as you grow older. Therefore, look for a policy that provides lifetime renewal options.
Compare the Premiums
You should always choose a plan based on its premium after comparing more than two policies. This thoughtful comparison will help you avoid paying a higher amount for lesser coverage or vice versa.
Choose IFFCO Tokio Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
IFFCO Tokio Health Insurance
This video explains IFFCO Tokio Health Insurance in detail.
All 2 IFFCO Tokio Health Insurance plans
Every plan currently being sold by IFFCO Tokio Health Insurance, shown side-by-side so you can shortlist quickly.
Family Health Protector Policy
Family Health Protector by IFFCO Tokio is a comprehensive policy that covers your family from medical expenses in times of need at an affor…
- Income Tax benefits.Hassle free claims
- 4000 network hospitals
Quick comparison
Side-by-side across the 2 most-bought IFFCO Tokio Health Insurance plans on PolicyX.
| Feature | IFFCO TOKIO MOS-Bite Protector Policy | Family Health Protector Policy |
|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 5k, 15k, 25k, 50k, 1 L | 1.5 L, 2 L, 3 L, 5 L, 10 L, 20 … |
| Entry age | 18 to 65 Years | 18 to 65 Years |
| Top benefits | Lumpsum SI up to 1 Lakh · Dengue Cover | Income Tax benefits.Hassle free claims · 4000 network hospitals |
What's covered — and what's not
The standard inclusions and exclusions across IFFCO Tokio Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- IFFCO Tokio Health Insurance covers pre-hospitalization expenses up to 60 days of admission, and post-discharge expenses for up to 180 days.
- IFFCO Tokio Health Insurance plans have an in-built alternative treatment cover that you can utilize. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- All hospitalization expenses incurred while undergoing treatment in the hospital, such as room rent, consultation, and surgical expenses, will be covered by the health insurance policy.
- Medical advancements have made procedures very fast. Many surgeries, like cataracts, take only 24 hours, and IFFCO Tokio health insurance covers them all.
- You will be covered for any prescribed medicines you are taking during your treatment under the medical insurance plans.
✗ Exclusions
- IFFCO Tokio health policies will not cover injuries or hospitalization caused by self-harm.
- IFFCO Tokio Health Insurance plans do not cover any cosmetic surgeries or treatments.
- IFFCO Tokio Health Insurance plans will not cover hospitalizations or accidents caused due to adventure sports.
- IFFCO Tokio Health Insurance plans mostly do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- IFFCO Tokio health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report (FIR), final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In IFFCO Tokio Health Insurance Plans?
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most IFFCO Tokio Health Insurance plans.
Pre-existing Disease Waiting Period
IFFCO Tokio Health Insurance plans require you to serve specific waiting periods if you are diagnosed with PEDs such as hypertension, diabetes, or any other pre-existing condition.
Survival Period
Like waiting periods, IFFCO Tokio health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing IFFCO Tokio Health Insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare IFFCO Tokio Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased IFFCO Tokio Health Insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your IFFCO Tokio Health Insurance plan.
Getting a medical insurance policy online from PolicyX or directly from the company offers many benefits. Read below to know more.
- Easy to Compare
Online platforms give access to compare different IFFCO Tokio Health plans in one place. You can pick the right one for you while comparing the premiums. - Buying Insurance within 5 minutes
On an online platform, you can choose and buy your policy within 5 minutes, without any hassle. - 24*7 Customer Service
The experts are always at your service. No matter the time, you can contact them anytime to clear your doubts. - Instant Quote
With online accessibility, you can get quotations with one click. You can collect several quotes and choose the right one for you.
You can file for cashless as well as reimbursement claims for your IFFCO Tokio Health Insurance Plans by following these easy steps:
- Step 1
Inform the TPA about the hospitalization. For planned hospitalization, inform at least 3 days before admission.
- Step 2
Report to the insurance helpdesk of the hospital with the IFFCO TOKIO health card, IFFCO TOKIO health claim form, and other documents (photo ID, cashless request, etc.).
- Step 3
Send all the documents to the TPA.
- Step 4
On approval, the TPA will settle all the bills with the hospital.
- Step 5
Approval for the cashless claim will be sent within 24 hours of receiving the required documents.
- Step 6
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number, which you should note down for future reference.
Follow these steps for IFFCO Tokio Health Insurance policy renewal:
- Step 1
Visit the official website of IFFCO Tokio Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for IFFCO Tokio health insurance policy renewal at 1800 - 4200 - 269.
Frequently asked questions
The 16 most-asked questions about IFFCO Tokio Health Insurance, answered.
Yes, a mobile application ’IFFCO Tokio - Customer’ is available for 24/7 assistance regarding queries against IFFCO Tokio policies.
Yes, you can.
No, they aren’t covered by the company.
The policyholder is liable to get tax benefits under Section 80D of the Income Tax Act, 1961.
During the policy time, you can make as many claims as you like as long as your sum insured is not exhausted.
The need for pre-entrance medical examinations totally depends on the plan you choose, your entry age, and the sum insured you have selected. However, keep in mind that in the older age, Pre-entrance medical examinations are necessary.
Having a family history of Diabetes & BP may impact your premiums, as a customer with diabetes has to pay more than a person without a preexisting condition.
Yes. In that case, both health insurance plans will split the claim equally (up to the sum assured) and cover your medical expenses.
Generally, Group Health Insurance doesn’t offer a vast coverage, and hence can fall short at the time of a medical emergency. Moreve, if in future you decide to switch the company, you will be left with no coverage at all. Therefore, buying another plan along with a Group Health Policy is not a bad idea.
Visit the Iffco Tokio official website’s ’Claim Status’ section to check the status of your insurance policy. After that, enter your policy/claim number and click ’Submit.’ The next page will show the status of your Iffco Tokio policy.
Yes! AYUSH treatments including Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered under the IFFCO TOKIO health plans.
IFFCO TOKIO offers a health insurance plan called Critical Illness Insurance Policy, which is specifically designed to cover 25 critical illnesses. However, other plans such as Family Health Protector Policy, Swasthya Kavach Policy, and Individual Medishiled Policy also offer critical illness coverage if you pay an additional premium.
You must inform IFFCO TOKIO General Insurance within 24 hours of hospitalisation in case of emergency hospitalisation.
Your health insurance plan will stop from the date of policy cancellation. Also, you will get your premium back as per the rates of short-period cancellation as per the terms and conditions of the policy.
The claim settlement ratio is IFFCO Tokio is 90.65%.
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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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