IFFCO Individual Health Plans

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