IFFCO Tokio Family Health Protector Policy (FHP)

What is the Plan all About?

This policy is a perfect and an ideal health insurance plan for your family.This policy offers you a provision to cover various relations such your spouse and dependent parent and children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together under one umbrella policy. Multiple benefits are available under this policy to take care of health related financial burden.

Key Features

Floater sum insured for the entire family
Cashless treatment at over 4000 network hospitals
Direct claim settlement without TPA intervention
Health cover upto 30 lacs can be opted

Policy Benefits

In-patient hospitalization expenses are covered as per the limits specified in the policy for a minimum hospital stay of 24 hours.
Organ Donor expenses are covered.
Pre and Post Hospitalization expenses are covered 45 days before hospitalization and 60 days after hospitalization.
Specified 121 Day Care Procedures are covered under this plan which requires less than 24 hours hospital stay.
Domiciliary hospitalization is covered under this policy
Ayush treatment is covered under this policy.

Value Added Benefits

Daily allowance benefit per day is payable under this policy in respect of an insured person for the duration of hospitalization. If the hospitalization period is less than 24 (twenty four hours), then this daily allowance will be reduced proportionately for the period of hospitalization.
Cumulative Bonus of 5% of the basic sum insured subject to maximum 50% for claim free years.
Reimbursement of cost of medical checkup once at the end of a block of every four claim-free policies for the insureds after block of 4 claim free years.
Ambulance charges are reimbursed as per the specified limit.
Vaccination expenses are covered as per the specified limit.
Lifelong Renewability available under this plan is available.
Emergency assistance services are available.
Reinstatement of the Basic Sum Insured.
Tax Benefits under section 80 D of IT Act, 1961.

Sub Limits

Room Rent, Boarding and nursing charges per day are limited to 1.50% of SI for Class A cities & 1.25% of SI for other cities, if you have opted for a sum insured upto 7 lacs rupees. For SI greater than 7 lacs, the actual expenses are paid under this policy.
Domiciliary hospitalization benefits arecapped upto 20% of the sum insured.
Vaccination expenses are paid upto maximum of 7.5% of the total premium paid in case of single insured person and a maximum of 15% for all insureds.
Co Payment for first claim is nil, for subsequent claims it is 7.5% for the 2^nd year, 10%for the third year and 20% for the fourth year respectively of the admissible claim amount.
Daily Allowance is paid equivalent to 0.15% of sum insured upto a maximum of Rs 1,000 per day.
Ambulance charges are paid upto a limit of 0.75% of the sum insured or Rs 2,500whichever is lower for each hospitalization.

Waiting Period Clause

Initial Waiting Period: Initial 30 days of the policy start date, waiting period for newly incurred diseases except those arising out of accidents.
Specific Waiting Period: Certain specific treatments/diseases are covered after 1 or 2 consecutive policy years.
Pre existing Disease Waiting Period: This plan has a waiting period of 4 years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Child: 1 Day, Adult: 18 Years	Adult 65 Years
Sum Assured	1.5 Lacs	30 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness Cover	-

Exclusions

Expenses attributable to self inflicted injury
Cost of spectacles, contact lens or hearing aids
Plastic & Cosmetic Surgery
All non medical expenses, including personal comfort and convenience item services
Maternity related expenses
Convalescence and Rehabilitation Benefits, etc.