IFFCO Health Insurance India

Can you please give here detail about the coverage in Swasthya Kavach Family Health Insurance policy of IFFCO Tokio General Insurance company in India?

[pawan]

IFFCO-Tokio General Insurance company in India is joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group.

IFFCO Tokio Health Insurance Plan:

Swasthya Kavach Family Health Insurance

Eligibility:
Entry age:
18 years to 60 years;
91 days to 23 years for children as dependents

Maximum Renewability age:
80 years.

Medical screening:
Required for persons over 45 years.

Coverage
Basic Plan

Room charges:
1% of chosen sum assured.

ICU/ITU charges:
2% of chosen sum assured.

Registration, Service charges, surcharge and other similar charges:
Lower of actuals or 0.5% of sum assured.

Nursing costs

Fees of medical personnel

Costs pertaining to:
Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, Operation Theatre.,
Chemotherapy, Dialysis,
Prosthetic limbs or devices and other required consumables or equipment or services for treatment.

Ambulance charges:
Lower of actuals or Rs.750.

Cash allowance for each day of hospital stay:
Rs.150 per day

Domiciliary hospitalisation:
Up to 20% of sum assured.

Pre-hospitalisation expenses:
Up to 30 days.

Post-hospitalisation expenses:
Up to 30 days, limited to Rs.7,500.

Donor’s hospitalisation expenses.

Package charges for specific treatments:
Lower of 80% of actuals or 80% of sum assured.

Wider Plan
Room charges:
1.5% of chosen sum assured.

Registration, Service charges, surcharge and other similar charges:
Lower of actuals or 0.5% of sum assured.

Nursing costs

Fees of medical personnel

Costs pertaining to:
Oxygen, Blood, Anaesthesia, Diagnostic tests, Pathological tests, OT, Chemotherapy, Dialysis, Prosthetic limbs or devices etc.

Ambulance charges:
Lower of actuals or Rs.1,500.

Cash allowance for each day of hospital stay:
Rs.250 per day.

Domiciliary hospitalisation:
Up to 20% of sum assured.

Pre and Post-hospitalisation expenses:
Up to 30 days each.

Donor’s hospitalisation expenses.

Health check costs:
1% of average chosen sum assured upon completion of 4 claim-free years.

Package charges for specific treatments:
Lower of 80% of actuals or 80% of sum assured.