Top Health Insurance Plans

A regular health insurance policy covers only the hospitalization expenses. However, a significant amount is spent Out of pocket on OPD doctor consultations, pharmacy costs and diagnostic tests. A good OPD cover pays for these expenses.

Waiting period is the time a customer needs to wait before making a claim in the policy. There are 3 types:

Super topup is a very low cost plan that provides additional coverage, over and above your base health insurance plan.

For Example

If you have a base policy of ₹5 lacs, you can buy a Super top-up of ₹95 lakhs at a very minimal cost to make your overall health cover of ₹1 crore.

Cashless hospitalization refers to a process in which you don’t pay the claim yourself but the claim amount is directly paid to the hospital by the insurer. You simply need to inform the insurer about the hospitalization within 24 hours and submit all the required documents for cashless approval.

For Example

You are a policy holder of health insurance company ABCD, which has a tie-up with 10,000+ hospitals across India. If you face a medical emergency and wish to seek the cashless facility, you need to get medical treatment from a hospital that is a part of this 10,000+ network.

The feature is available to one-year policy holders. It can also be availed by debit and credit card holders"

The word secure resonates with being safe and tension-free. Under Optima Secure plan, we provide you with the secure benefit. This health insurance plan offers additional coverage up to 100% of the base sum Insured immediately upon purchase at no extra charge. This additional amount can be utilised for any number of admissible claims. Now isn't this truly a benefit that can keep you secure.

Example: You have bought an Optima Secure Health Insurance plan with a health cover or sum insured of ₹5 lacs. In this case, your sum insured instantly gets doubled up to offer you a total health cover of ₹10 lacs instead of a basic ₹5 lacs health cover for which you paid your valuable premium. This additional amount can be utilised for any number of admissible claims. That means you can now make claims up to ₹10 lacs instead of ₹5 lacs.

Optima Secure Health Insurance plan restores up to 100% of your base sum insured for subsequent claims, for any illness, or any insured person. Your base sum insured is the actual sum insured that you had chosen when buying the policy. This helps you in case you exhaust your existing sum insured for any claim or number of claims. Suppose today you have bought an Optima Secure Health Insurance plan with a health cover or sum insured of ₹5 lacs, and, you register a claim of ₹8 lacs in year one. In such a scenario, you will be able to settle hospital bills worth ₹5 lacs from your base sum insured and the remaining ₹3 lacs from your secure benefit. If there is a subsequent claim in the same policy year, you will have automatic restore benefit up to your base sum insured for your immediate usage. Automatic restore benefit kicks from your 2nd claim onwards once you exhaust Base Sum Insured, Plus Benefit (after 1st year), Secure Benefit (in this order) and is available every policy year. Unutilised automatic restore benefit is not carried forward to the next policy year.

Optima Secure plan is available for the sum insured up to ₹2 Cr. Various sum insured options are available such as ₹5, ₹10, ₹15, ₹20, ₹25, ₹50 lacs and ₹1Cr. You can buy the best health insurance policy of a sum insured that best suits your needs.

Yes, all COVID- 19 expenses are covered under Optima Secure plan. You need not buy a separate health insurance policy when you get it all under one policy.

The minimum entry age is 5 years and the maximum entry age is 65 years.

You can avail a discount of 10% on premium on covering 2 or more family members in a single policy.

You can purchase the policy for yourself and include your spouse up to four children, and yours and your spouse’s parents.

You need to submit the following documents to us within 30 days of occurrence of the event:

• Completed Claim form
• Medical certificate confirming the diagnosis of Critical Illness
• Certificate confirming that the claim doesn’t relate to Pre-Existing Disease or any Illness/ Injury which was diagnosed within the first 90 days
• Photocopy of indoor case papers (if applicable)
• In the cases where Critical Illness arises due to an Accident, FIR copy or medico legal certificate
• Specific documents (if any) listed under the respective Critical Illness

On first diagnosis of the covered critical illness, we will a lump sum amount of sum insured. There is no death benefit provided

When filing for a claim or cover under the cheapest Mediclaim policy, including Mediclaim for senior citizens, you need to remember that you will need to furnish required documents within 30 days. All kinds of relevant documents, papers, certificates and other prescriptions and papers will be required to be duly filed along with the claim form.

When you buy a Mediclaim Policy from us, you can make claims under the Mediclaim policy as many times as you want. However, you will not be covered for any costs of medical expenses if your basic sum insured has been exhausted.

• Health plans from IFFCO Tokio for individuals covers everything, from hospitalization, surgeries, injuries and even day-care procedure for some ailments.
• However, you must remember that our policy will allow you an insurance claim only if your treatment is done by a registered medical practitioner.

Investing your money in health insurance is a good method of saving up on tax. Under the section 80D of the Income Tax Act, you get a deduction upto Rs. 30,000 on premiums paid for Mediclaim policy including Mediclaim policy for senior citizens.

A pre-existing condition refers to any kind of disease or ailment that the insured person has been suffering from, before having bought an insurance policy at our company. The coverage for such diseases under our Mediclaim policy including Mediclaim for senior citizens is offered to you only after 48 months have elapsed since the commencement of your Mediclaim policy with us. But in case you port your policy including Mediclaim for senior citizens, from some other company and have been covered under the same policy for a while, we will consider the coverage for such pre-existing diseases.

At IFFCO Tokio, we understand that every person needs a different kind of plan to meet their requirements, for them. We make sure that you find the perfect Mediclaim policy to fit your needs. We offer you two broad kinds of individual health insurance plans. One out of these is where you sign the papers and authorize us to take up the full responsibility of your expenses. However, our reimbursement will not exceed the full sum insured to you, in any case. Apart from this, we offer you the option of co-pay insurance plans as well. Here according to the papers you sign, half of the expenses for your medical care are borne by us and the other half of it is borne by you. The rates and the percentages of such expense sharing are predetermined, and is signed by the insured person during the purchase of the insurance.

Family floater insurance is a single health insurance policy that covers one or more members of your family. They can be your legally wedded spouse, dependant parents and parents-in-law, and dependant children aged 3 months to 25 years. It doesn't cover children above 18 years of age who are financially independent. The total sum insured in a family floater plan is available for each policy member. So, if the total sum insured is ₹10 lakhs, and member one claims ₹3 lakhs, ₹7 lakhs will be the available sum insured amount for the remaining members in the plan for that given policy year.

The minimum age limit for taking this policy is 18 years, and the maximum is 65 years.

If you wish to switch your existing health insurance to any ICICI Lombard plan, please provide your application, including a duly filled portability form and your previous policy documents. Kindly share these at least 45 days before the renewal date of your existing health policy.

With Income Tax benefits under Sec 80D, you can claim tax deductions up to a maximum of ₹25,000 when you purchase a policy for yourself, or spouse, or your children. For dependant parents above 60, you can claim a tax deduction up to a maximum of ₹50,000.

There are 6700+ network hospitals where you can avail of cashless facilities. You can claim reimbursement if your treating hospital is not a network hospital.

With the Apex plan in Health AdvantEdge product, you can avail of the maternity benefits add-on that includes coverage for newborns from birth.

You can contact us on our toll-free number, 1800 2666 or SMS "HEALTHCLAIM" to 575758 for a callback. Use the health card at any network hospital to avail of our cashless service. Contact us within 24 hours of hospitalisation for cashless emergency hospitalisation.For cashless emergency hospitalization, we need to be contacted within 24 hours of hospitalization.

This plan has a 0% copay clause. You can opt for 10% or 20% based on your needs & budget.