IFFCO-Tokio General Insurance was incorporated in 2000, as a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO), which is one of the world’s biggest cooperative society, and Tokio Marine Group, which is also the largest listed insurance group in Japan. IFFCO holds 51 per cent in the company and the remaining 49 per cent is held by Tokio Marine Group.
Customize your health insurance policy as per your needs or choose from our range of affordable and secure plans for individuals and family.
If you are looking forward to buy an IFFCO Tokio health insurance policy online, choose a health insurance plan that provides cashless hospitalization and reimburses all your medical bills as listed in the policy document. It is essential that you read the policy wordings before buying a mediclaim policy. Now, even when you are ready to buy a health insurance policy, you still tend to get confused because there are so many plans which make deciding difficult. Start the process by understanding the different types of health insurance plans:
Such health insurance plans are designed especially for anyone over the age of 55 years. Senior citizens can avail protection against diseases in their old age with the best health insurance plans in India. All health insurance providers are obligated to cover individuals up to the age of 80as they roll out mediclaiminsurance i.e. health insurance benefits to the public.
A family health plan is one of the best health insurance plans in India which includes all your family members effortlessly under a single medical policy. In case you are looking for something comprehensive, a family floater mediclaim policy is what you need. Even if the price is marginally higher, the health insurance benefits of the plan can be availed by whoever is covered under the health insurance policy. Be it claims or advantages, your family is always covered.
One of the most important features and offers by major health insurance providers is the individual health insurance plan. As you are starting off, an individual health insurance plan is what you look forward to purchase. It protects you against several diseases be it critical or regular, along with cashless hospitalization facilities, ambulance expenses, so on and so forth. The sum insured in the offer document is applicable only to the person who is purchasing the policy. The premium for such a mediclaim policy, however is determined by your lifestyle, your age, location, life expectancy records and the likes, and can be calculated using a health insurance calculator. The individual is covered against all health odds listed in the policy document, and becomes entitled to get the policy benefits.
The best health insurance plansin India come with an array of benefits. Even then, there are a few points of coverage which might still be missing from the main plan. Therefore, you need to have a rider plan or an add-on in place to ensure that you get the maximum coverage and benefits. Surgery and critical illness plans are such standalone and riders which have to be purchased along with cheaper mediclaiminsurance policies which do not offer them as a primary plan. Critical illnesses such as cancer, paralysis, kidney failure, heart attack and the likes demand additional care and protection because the treatment and reimbursement amount is so high. Critical illness is always applicable to a terminal disease which is exclusively called out by the mediclaiminsurance policy provider. Therefore, buy an online health insurance policy which provides a lump sum benefit when you are diagnosed with any kind of terminal conditions (as covered in the critical illness insurance plan). It could be one or more, but it has to be listed by the insurance provider.
A personal accident cover clause protects you from any mishaps that might occur on the road, and that is what this is all about. It is a standard health plan which is provided to people who spend most of their time travelling. It is a health insurance policy customised for their benefit. It includes the cost of hospitalisation, medical expenses and the likes. Even if the health insurance benefits are fixed and allow the payment of a specified sum due to unforeseen circumstances, the pay-out is not fixed and varies from provider to provider. Therefore, the best health insurance plans in India are those that come integrated with policy riders, which can help you stay protected and covered when it comes to hospitalization charges in the event of an accident or anything serious which is unanticipated.
Preventive healthcare refers to the process of getting yourself medically examined to stay aware and alert. In case you are aware of any recurring diseases in your family, it is always advised that you undergo regular tests to stay updated on your health front. Regular health check-ups, X-Rays, consultation fees, MRIs, etc. are considered as the basic tests when it comes to defining a preventive health check-up process. The plan is to stay healthy, and it should not be otherwise. No one wants to fall sick, and it is always better to be safe than sorry. Preventive medical care not only helps you take care of yourself in a better way but also focuses on detecting those life-threatening diseases as early as possible.
Before you buy an online health insurance policy, many health insurance providers recommend that you undergo a medical test in order to identify the degree of fitness before suggesting a plan to you. Pre-existing diseases get covered 2-4 years after the policy has commenced. These diseases can be anything ranging from hypertension, cancer, kidney failure, diabetes, etc. These are the diseases that the insurance provider should be aware of before you purchase a mediclaim policy.