IFFCO Tokio Health Protector Policy (IPP)

What is the Plan all About?

IFFCO Tokio’s health protector plan is an experience more than a plan.This policy offers health insurance protection for you and your family for health related exigencies to offer financial assistance in those worried times.The policy offers complete protection in a cost effective way. The policy covers the members of the family consisting of you, your spouse, dependent children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependant or relatives living together with you and dependant parents on the individual Sum Insured basis.

Key Benefits

Covers a vast members of family under one plan
Cashless treatment in network hospitals
Lifetime Renewability
Avail various discounts on premiums
Tax benefits under IT Act

Policy Benefits

In-patient hospitalization expenses such as room rent, ICU rent, nursing expenses, Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialist fees,cost of medicines,etc. are covered as per the limits specified in the policy for a minimum hospital stay of 24 hours.
Pre and Post Hospitalization expenses are covered 45 days before hospitalization and 60 days after hospitalization.
Organ Donor Expenses for organ transplant are covered.
121 Day Care Procedures are covered under this plan which requires less than 24 hours hospital stay.
Domiciliary hospitalization is covered under this policy for medical treatment for a period of more than 3 days.
Ayurvedic Hospitalization expenses covered under this policy.
For hospitalization more than 12 hours and less than 24 hours, room rent payable is 50% of the subscribed limit.

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.
Lifelong Renewability available under this plan is available.
Emergency assistance services are available.
Tax Benefits under section 80 D of IT Act, 1961.

Sub Limits

Room Rent, Boarding and nursing charges per day are limited to 1.75% of SI for Class A cities & 1.50% of SI for other cities, if you have opted for a sum insured upto 5 lacs rupees. For SI greater than 5lacs, the actual expenses are paid under this policy.
Sub limit per day for ICU expenses are upto 3% of SI for Class A cities and 2.50% of SI for other cities.
Domiciliary hospitalization benefits arecapped upto 20% of the sum insured.
Daily Allowance is paid equivalent to 0.20% of sum insured.
Ambulance charges are paid upto a limit of 1% of the sum insured or Rs 2,500whichever is lower for each hospitalization.
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.
Vaccination expenses upto 10% of total premium paid at the end of 2 continuous block of claim free years.

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:91 Days, Adult: 18 Years	Adult: 65 Years
Sum Assured	50 Thousand	20 Lacs
Cover Type	Individual/Family	-
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
Naturopathy Treatment
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.