IFFCO Tokio General - Health Protector Plus Policy

The policy covers hospitalization expenses which intends to provide coverage to you and your family in the eventuality of high treatment costs for any injury or disease related contingencies like hospitalization, organ transplantation etc. You opt for a compulsory deductible amount, which you bear either through existing health coverage or through own/other sources. The policy acts as an additional cover over and above the deductible amount. The policy therefore addresses galloping medical inflation at a very reasonable price.

* High coverage at low premium.
* This policy can be purchased without any other basic health policy.
* Waiver of Deductible in case of change/Loss of job: On payment of a small additional premium you have the facility to enjoy the full sum insured without the deductible in case of loss of or change in employment, for a period of 30/60/90 days.
* Option to buy standard health policy with continuity of benefits: We will provide you with a facility to buy our standard Health policy without deductible with continuity of coverage in terms of waiver of waiting periods to the extent of deductible opted under this Policy provided the Top Up/Super Top up health product has been purchased for the first time before 50 years of age and continuously renewed without break for a period of at least 4 years.
* Income Tax benefits under Section 80D.
* Cashless claim facility available at over 4000 network hospitals across India.
* Directly serviced by IFFCO TOKIO without any Third party administrator.
* EMERGENCY ASSISTANCE SERVICES at no additional cost. We provide you with special assistance when You are traveling within India 150 kilometers or more away from your home.
* Portability: You can switch from any other similar policy of any other insurer to our Top up/Super Top Up policy and protect your continuity benefit as per IRDA Guidelines.

If the Insured Person contracts any Disease or sustains any Injury due to any accident (including any act of terrorism) and he/she has to incur Medically Necessary Hospitalization expenses, then we will pay Reasonable and Customary Charges of the following Hospitalization expenses.
* Room Rent (including Boarding and Nursing expense etc.
* Medical Practitioner/ Anesthetist, Consultant fees.
* Expenses on Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of transplantation of Organs and similar expenses.
* Expenses on Vitamins and Tonics only if forming part of treatment as certified by the attending Medical Practitioner.
* Ayurveda and/or Homeopathy and/or Unani hospitalization expenses incurred in Government recognized hospitals. Coverage also includes pre-hospitalization and post hospitalization expenses.
* Ambulance Charges as per actual or Rs.3000/- (Three Thousand) per claim whichever is less.
* An additional Daily Allowance amount equivalent to 0.10% of the Sum Insured for the duration of Hospitalization towards defraying of miscellaneous expenses.
* The above stated relevant expenses incurred for Domiciliary Hospitalisation if Medically Necessary and at Reasonable and Customary Charges up to a maximum aggregate sub-limit of 20% (Twenty percent) of the Sum Insured.