IFFCO Individual Health Plans

  Iffco Tokio-IMI
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
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