IFFCO Tokio Family Health Protector Plan
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IFFCO Tokio Health Insurance IFFCO Tokio Health Insurance ★ 4.4

Family Health Protector Policy

The Policy offers a protection cover for you and your family for any i ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
63+
Pan India presence
95.82%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,689 reviews
🏥 8,000+ hospitals
📊 1.85 solvency ratio
✅ 95.82% claim settlement

The Policy offers a protection cover for you and your family for any injury or disease-related contingencies like hospitalization, medical expenses, surgical expenses, organ transplantation, etc.

Why Do We Recommend This?
  • Cancer of Specified Severity
  • Kidney Failure Cover
  • AYUSH hospitalization

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹5 L, ₹10 L, ₹20 L, ₹30 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Income Tax benefits.Hassle free claims
  • 4000 network hospitals

Cons

  • Pre-Existing Diseases
  • Illegal activities
  • Self-harm

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

IFFCO Tokio Health Insurance Network Hospital List

IFFCO Tokio Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, IFFCO Tokio Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 18 to 65 Years

Frequently Asked Questions

The 4 most-asked questions about Family Health Protector Policy, answered.

Yes, this policy allows you to include siblings, brothеrs-in-law, sistеrs-in-law, nеphеws, niеcеs, and othеr dеpеndеnt rеlativеs living with you.
Thеrе is a waiting pеriod of 30 days for thе initial covеragе of prе-еxisting mеdical conditions, so еarly planning is advisablе.
Yеs, thеrе arе limitations, including thе applicability of co-pay and sub-limits, which may affеct cеrtain aspеcts of your covеragе. Bе surе to rеviеw thе policy dеtails for spеcific information.
Thе Cumulativе Bonus increases your covеragе by 5% еach yеar you don’t makе a claim, up to a maximum of 50% of your initial covеragе.

Conclusion

A family floater plan offering wide coverage for multiple members under one sum insured, suitable fo

Explore IFFCO Tokio Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 11 Oct 2024

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