IFFCO Tokio Health Plans Comparison

  Iffco Tokio-IMI Iffco-Tokio-SKP-Base Iffco-Tokio-SKP-Wider Iffco-Tokio-SKP-Wider CI
KEY FEATURES
Plan Type Individual Family Floater Family Floater Family Floater
Minimum Entry age 3 Months (Children between 3 months and 5 years can be covered only if both parents are covered concurrently) Proposer - 18 Years
Children - 91 Days
Proposer - 18 Years
Children - 91 Days
Proposer - 18 Years
Children - 91 Days
Maximum Entry Age 80 Years Proposer - 60 Years
Children - 23 Years
Proposer - 60 Years
Children - 23 Years
Proposer - 60 Years
Children - 23 Years
Pre-policy Health check-up Age>45 years Age>45 years Age>45 years Age>45 years
No Claim bonus Yes - Yes Yes
Family discount 5% if two persons are covered and 10% if more than two persons are covered under the Policy - - -
KEY BENEFITS
Hospitalization Expenses Covered Covered Covered Covered
Domiciliary hospitalisation Maximum sub-limit of 20% of Basic Sum Insured Maximum sub-limit of 20% of Basic Sum Insured Maximum sub-limit of 20% of Basic Sum Insured Maximum sub-limit of 20% of Basic Sum Insured
Room Rent 1.0% of Basic Sum Insured daily 1.0% of Basic Sum Insured daily 1.5% of Basic Sum Insured daily 1.5% of Basic Sum Insured daily
ICU Charges 2.5% of Basic Sum Insured daily 2.0% of Basic Sum Insured daily 2.5% of Basic Sum Insured daily 2.5% of Basic Sum Insured daily
Pre hospitalization expenses 60 Days 30 Days 30 Days 30 Days
Post hospitalization expenses 60 Days 30 days (Post Hospitalisation expenses are limited to 7% of the hospitalisation expenses (excluding Room Rent), subject to a maximum of Rs. 7,500) 60 Days 60 Days
Ambulance charges 1.0% of Basic Sum Insured, subject to maximum Rs 1,500 Maximum Rs 750 Maximum Rs 1,500 Maximum Rs 1,500
Daily Allowance 0.1% of Basic Sum Insured, subject to maximum Rs. 250 per day Rs. 150 per day Rs. 250 per day Rs. 250 per day
Nursing Allowance - - - -
Recovery Benefit - - - -
Expenses on accompanying person at the Hospital - - - -
Cashless facility Available Available Available Available
Member Reimbursement Available Available Available Available
Daycare procedures Covered Covered Covered Covered
Health check-up End of 4 claim free years - End of 4 claim free years End of 4 claim free years
Co-Payment - - - -
Deductible - - - -
Waiting period 30 Days 30 Days 30 Days 30 Days
Pre-Existing Diseases 3 Years 4 Years 4 Years 4 Years
Critical Illness(Separate Sum Insured) On payment of extra 30% on the basic premium. - - On payment of extra 30% on the basic premium
Organ Donor Cover - Covered Covered Covered
Auto-Recharge of Sum Insured - - - -
Care Anywhere(Worldwide) - - - -
Income tax benefit Section 80D Section 80D Section 80D Section 80D