IFFCO Tokio Swasthya Kavach Policy (SKP)

What is the Plan all About?

IFFCO Tokio presents Swasthya Kavach health plan which is a comprehensive health insurance policy which will shield you and your family from health related worries. Along with usual health cover against injury or disease, this plan offers additional/optional cover for critical illness on floater basis. You and your family can be covered under one umbrella policy by paying one premium for all the insured members.

Swasthya Kavach Plan has 2 Plan Variants:

Base Plan
Wider Plan

Key Features

Cashless Facility in 4000 network hospitals PAN India
Hassle free Claim Procedure
Comprehensive Health Plan
No Medical check up upto 45 years
Emergency Medical Assistance Services
Additional Floater Critical Illness Cover available

Policy Benefits

Hospitalization expenses like Doctor’s Fees, cost of medicines, room rent, ICU rent,etc. are covered for a minimum stay of 24 hours.
Pre Hospitalization expenses are covered upto 30 days for both the plan variant.
Post Hospitalization expenses are covered as per the capping for a period of 30 days after hospitalization for a base plan and 60 days for a wider plan respectively.
Domiciliary hospitalization is covered as per the specified limits under the policy.
Transplants including donor’s treatment and organs transportation cost is covered under both the plan variants.
Specified Day care procedures are covered under the plan which requires less than 24 hours of hospitalization.
Dental surgery and treatment due to any accident are covered.
Daily allowance is paid to the insured as per the plan opted.

Value Added Benefits

Cumulative Bonus of 5 % on every claim free year, subject to maximum of 50% of sum insured.
Health check-up for the family after every block of 4 claim free years are available for the wider plan variant.
Ambulance service charges are covered as per the plan variant opted.
Vitamins and tonics cost consistent with the illness are covered.
Emergency Medical Assistance, emergency medical evacuation and medical repatriation facilities are available.
Tax Benefits under section 80 D of IT Act, 1961 are available.

Sub Limits

Room Rent limit is capped at 1% of Basic Sum Insured daily for base plan and 1.5% for the wider plan variant.
ICU/ITU Rent is capped at 2% of Basic Sum Insured daily for base plan and 2.5% for the wider plan variant.
Ambulance charges are capped upto a maximum of Rs 750 for base plan and Rs 1,500 for wider plan variant.
Daily Allowance is paid at Rs 150 for base plan and Rs 250 for wider plan variant.
Post hospitalization expenses are capped at 7% of hospitalization expenses upto a maximum of Rs 7,500.b

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	Child: 23 Years, Adult 60 Years
Sum Assured	2 Lacs	5 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness Cover (only Available In Wider Plan)	-

Exclusions

Expenses attributable to self inflicted injury
Cost of spectacles, contact lens or hearing aids
Expenses on naturopathy, experimental or alternative medicine, acupressure, acupuncture, magnetic and similar therapies
All non medical expenses, including personal comfort and convenience item services
Maternity related expenses, etc.
Convalescence and Rehabilitation Benefits, etc.