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IFFCO Tokio Health Insurance

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Overview of IFFCO Tokio Health Insurance

IFFCO Tokio Health Insurance is a health insurance service provided by IFFCO-Tokio General Insurance Company Limited, which was founded in 2000 as a collaboration between Tokio Marine Group and IFFCO. They offer a range of health insurance plans tailored for individuals and families, with specialized coverage options for mosquito-borne diseases and critical illnesses.

IFFCO-Tkio General Insurance Company boasts a speedy claim disbursal process, completing claims within 24 hours. According to the company’s official website, they have achieved an incurred claim ratio of 95.82% in the current financial year (2023-24).

You can rely on IFFCO Toko health insurance plans to cover your medical expenses during unexpected emergencies. Take a look at the comprehensive health insurance plans offered by IFFCO-Tokio General Insurance Company.

IFFCO Tokio General Insurance Company Limited is a well-known name in India’s general insurance industry. They are highly regarded for their commitment to excellence, as evidenced by the numerous awards they have received. Their dedication is evident in their innovative insurance products and exceptional customer service.

IFFCO Tokio’s commitment to advancement is showcased through their recent notable achievements. Here are some key highlights of their accomplishments.

‘Claims Service Leader for the Year’ & ‘Best Health Insurance Company in Rural Sector’ at the India Insurance Summit & Awards

2024-25

  • BFSI CXO Awards 2024: Mr Durgesh Nandan Pathak (VP-ITGI) received this award at the BFSI CXO Awards 2024. 
  • CISO Leadership Awards 2024: IFFCO Tokio GIC won the “Best Cyber Security Initiative Award - General Insurance”.
  • Elets Healthcare Innovation Award 2024: IFFCO Tokio GIC received this award in the “Healthcare Insurance Company” category.
  • Outstanding Female Icon in Healthcare: Ms. Mamta Ahluwalia (VP-ITGI) was awarded at the '13th Elets Healthcare Innovation Summit & Awards 2024.
  • CHRO of the Year - Insurance Industry: Mr Ramesh Kumar (Senior ED-ITGI) received this award at the 8th Edition of the CHRO Vision and Innovation Summit & Awards by Transformance. 

2023-24

  • Appreciation Award: IFFCO TOKIO General Insurance Company received this award from Honda Cars India Ltd’s Annual Logistics Convention. 
  • IBEX India 2024 BFSI Technology Awards: IFFCO Tokio GIC received this award for its accomplishments in general insurance. 
  • CHRO of the Year: Mr Ramesh Kumar (Senior ED-ITGI) won this title at the 7th Insurance Conclave & Awards by Insurance Alertss.
  • Asia's Best General Insurance Company (India): IFFCO-Tokio General Insurance Company Ltd. received this accolade at the 5th Asia’s Best & Emerging Insurance Company, Insurtech, Broker, TPA & Web-Aggregator Awards powered by Insurance Alertss.
  • CEO of the Year (General Insurance): Mr H.O. Suri (MD & CEO - ITGI) was awarded the 2nd Edition BFSI Leadership Awards 2024 by Krypton.
  • Best Digital Awareness Campaign: IFFCO-Tokio General Insurance Company Ltd. won this category at the 2nd Edition BFSI Leadership Awards 2024 by Krypton.
  • Elets Insurance Innovation Awards 2023: The company was recognized as the ‘Leader in Digital Transformation Program’.
  • Visionary Thought Leader: Mr Ramesh Kumar (Senior ED-ITGI) was honored for his significant contributions at the Elets Insurance Innovation Awards 2023.
  • Best Practices in Crop Insurance: IFFCO-Tokio received this award at the 4th ICC Emerging Asia Insurance Conclave & Awards 2023 organized by the Indian Chamber of Commerce.
  • CIO Excellence Awards 2023: Mrs Seema Gaur (Sr. Executive Director - IT, IFFCO Tokio General Insurance) was among the leading CIOs honoured.
  • Business Transformation Awards 2023: IFFCO Tokio won in the 'Excellence in Digital Execution’ category, organized by TechCircle.
  • Active Participation & Best Support in Toyota Protect Program: ITGI was recognized in Malaysia by Toyota Tsusho Insurance Broker India (TTIBI).
  • Best EV Insurer Of The Year: IFFCO Tokio was honored at the IndiaEV Awards 2023 by Franchise India.

2022-23

  • Best Chief Human Resource Officer Of The Year Award: Mr Ramesh Kumar (Senior Executive Director) was recognized at the 5th Annual India Insurance Awards 2022 by Insurance Alertss.
  • 3rd Annual BFSI Technology Excellence Awards 2022: IFFCO-Tokio General Insurance Company Ltd. received the ‘BEST DIGITAL AWARENESS CAMPAIGN’ award.
  • L&D Excellence Award 2022: IFFCO Tokio was honored at the 9th Edition of the Future of Learning and Development Summit and Awards by UBS FORUMS.
  • Chief Learning Officer of the Year: Pragati Kakkar (General Manager- Training, IFFCO-Tokio) was recognized at the 9th Edition of the Future of Learning and Development Summit and Awards by UBS FORUMS in 2022.
  • IT SECURITY INFLUENCER OF THE YEAR: IFFCO-Tokio General Insurance Company Ltd. received this award at the CISO Summit & Awards 2022.

2021-22

  • Best Good Company Initiative Award 2021: IFFCO-Tokio was honored by Tokio Marine Asia.
  • Mahatma Award for CSR Excellence: IFFCO Tokio General Insurance Company Limited received this prestigious award on October 1, 2021.
  • BFSI Excellence Award 2022: Mrs. Seema Gaur (Sr. Executive Director - IT, IFFCO Tokio General Insurance) was recognized for her significant contribution to the BFSI Industry at the Elets 6th BFSI CTO Virtual Summit.

2020-21

  • The Great Indian Marketing Awards 2021: IFFCO Tokio won in the 'Social Media Campaign on "No Tobacco Day"' category.
  • Best in Future of Digital Innovation Awards 2021: IFFCO Tokio received this award for Crop Claim Monitoring under the IDC Future Enterprise Awards for India.
  • Women Vice President of the Year Award: Ms Pushpa Hariharan was honoured by Insurance Alertss.
  • Women HR Officer of the Year Award: Ms Mamta Ahluwalia was recognized by Insurance Alertss.
  • Women Underwriter of the Year Award: Ms Garima Kripesh received this award from Insurance Alertss.
  • Technology Leader of the Year: IFFCO Tokio was recognized in the BFSI Excellence Awards 2021.
  • Asia's Best General Insurance Company: The company received this award in the 2nd Asia's Best & Emerging Insurance Company Awards 2021.
  • Best General Insurance Company in Claim Management: IFFCO Tokio was honored at the 4th Annual India's Best & Emerging General Insurance Company Awards.
  • Asia's Top Most Influential Insurance Leaders Award: Mrs Anamika Roy Rashtrawar was recognized by Insurance Alertss in 2020.
  • Business Leader of the Year Award: Mrs. Anamika Roy Rashtrawar received this award from TechCircle Business Transformation Symposium & Awards 2020.
  • IT Leader of the Year Award: Mrs. Seema Gaur was honoured by TechCircle Business Transformation Symposium & Awards 2020.

2019-20

  • Women Technology Officer of the Year Award: Mrs Seema Gaur was recognized by Insurance Alertss.
  • Women Vice President of the Year Award: Mrs Pallavi Roy was honoured by Insurance Alertss.
  • Women General Manager of the Year Award: Mrs Preeti Bali received this award from Insurance Alertss.
  • BFSI Digital Innovation Award: IFFCO Tokio was honored by Express Computers, Indian Express Group.
  • Digital Insurer of the Year 2019: IFFCO Tokio received this award from the Insurance Asia News Awards for Excellence.
  • CIO Hall of Fame: Ms. Seema Gaur was inducted for winning the CIO 100 main award four times in succession.
  • P & C Insurer of the Year 2019: IFFCO Tokio was honored by the Insurance Asia News Awards for Excellence.
  • 2019 Digital Transformer for India: IFFCO Tokio received this award for 'Omni Experience Innovator for India in the Ecosystem Engagement Category' at the 3rd Annual IDC Digital Transformation Awards.
  • Product Innovator of the Year 2018: IFFCO Tokio was recognized for its Bank Locker Protector at the 4th Annual Insurance India Summit and Awards 2019.
  • 2019 CSO 100 Awards: Mahesh Shrivastav was honoured at the 3rd Annual CSO 100 Symposium and CSO Online for Information Security Leaders.
  • Women in the AI sector: Ms Seema Gaur was recognized by IBM.
  • Emerging Asia Business Award: IFFCO Tokio was awarded by ICC, Kolkata, for good practices in crop insurance.

2018-19

  • 2018 Asian Awards for Best Company Initiative: IFFCO Tokio was honored by Tokio Marine Insurance Group.
  • Women Achiever of the Year 2018: Ms Anamika Roy Rashtrawar was recognized by Insurance Alertss International Women's Day Confluence.
  • Global Leaders Awards: IFFCO Tokio won multiple awards, including:
    • Most Admired Company of the Year
    • MD of the Year for Mr Warendra Sinha (MD & CEO)
    • Enterprise Women of the Year for Ms Anamika Roy Rashtrawar (Full-time director)
    • Chief Human Resources Officer (CHRO) of the Year for Mr. Ramesh Kumar (ED, HR, Training, Admin, and CSR)
    • Chief Financial Officer of the Year for Mr. Sanjeev Chopra (CFO and ED, Finance)
    • Chief Information Officer for Ms Seema Gaur (EVP and Head, IT)
  • Future of L&D Summit and Awards: IFFCO Tokio was recognized in the following categories:
    • Best Learning Leader of the Year for Mr. Ramesh Kumar (ED, HR, Training, Admin, and CSR)
    • Best Learning Strategy of the Year for Ileap
  • HR Director of the Year: Mr Ramesh Kumar was honored at the Future of HR Summit & Awards 2018.
  • SKOCH Awards: IFFCO Tokio won multiple awards, including:
    • SKOCH Order of Merit for BIMA Kendra (Financial Inclusion - Rural Expansion)
    • SKOCH Order of Merit for BIMA App (Digital Economy)
    • SKOCH Order of Merit for CSR Activities (Financial Inclusion - Livelihood Linkages)
    • SKOCH Order of Merit for Quick Claim Settlement (QCS) App
    • SKOCH Order of Merit for Cyber Security Protocol
    • SKOCH Award for Rural Expansion through Bima Kendra
  • Best Health Care Insurance Provider: IFFCO Tokio was honored by NavBharat Group.
  • P & C Insurer of the Year Award: IFFCO Tokio received this recognition from the Insurance Asia News Awards.                                                                                                                          
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Key Features of IFFCO Tokio Health Insurance Company

IFFCO Tokio’s health insurance policies are designed for simplicity and ease of understanding. However, it is packed with a plethora of features that make it the ideal choice for a comprehensive medical insurance plan. Among many features available in their various health insurance plans are - 

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IFFCO Tokio Health Insurance Contact Details

Get in Touch with IFFCO Tokio health insurance officials:

Reach Out at 7993407777
Customer Service Hotline: 1800-103-5499
For Crop Insurance Inquiries: Dial 14447
Email Support: support@iffcotokio.co.in

IFFCO Tokio Health Insurance Add-on Riders

IFFCO Tokio health insurance offers a wide range of benefits that are comprehensive and advantageous. These add-on riders cover various aspects of healthcare - 

IFFCO Tokio Health Insurance Inclusions

  • Expenses Before and After Hospitalization
  • Room Accommodation Coverage
  • Accumulative Bonus
  • Tax Advantages under Section 80D
  • Ambulance Fees
  • Daycare Procedures
  • Coverage for Newborns
  • Lifetime Renewal Assurance
  • Cashless and Reimbursement Options
  • Coverage for Alternative Therapies

IFFCO Tokio Health Insurance Exclusions

  • Cosmetic or Weight Loss Treatments
  • Maternity-related Issues
  • Self-Inflicted Injuries
  • Injuries from Hazardous Activities

IFFCO Tokio Health Insurance Claim Process

There are two ways to apply for a health insurance claim with IFFCO Tokio Health Insurance company- Cashless Claim and Reimbursement. The procedures for both options are as follows.

Cashless Claim Process
Reimbursement Claim Process
Planned admissions require informing the TPA three days in advance.
Steps to Follow
  1. Choose a hospital from IFFCO Tokio’s network list for treatment. 
     
  2. Inform TPA (Third Party Administrator) 3 days before admission, providing Health Card Membership number.
     
  3. Complete the cashless request form from the Hospital Insurance Help Desk and have your doctor certify it. 
     
  4. Fax the form and medical records to the TPA. 
     
  5. The TPA reviews the documents, makes decisions, approves cashless requests or asks for more documents. 
     
  6. TP approves cashless claims for hospital bills, but you are responsible for inadmissible amounts like telephone, food and attendant charges.
     
  7. If the cashless claim is rejected by the TPA, pay the hospital bill and request reimbursement. Claim processing follows policy terms.
  • Inform IFFCO Tokio upon admission or within 7 days of discharge. 

     
  • Pay your hospital bills and then request reimbursement. 

     
  • Download the claim form from the website or request it from the call centre. 

     
  • Submit the completed form with supporting documents to the IFFCO Tokio office or by mail.
Emergency admissions require notifying the TPA upon admission.
Steps to Follow
  1. At the network hospital, notify the TPA on admission via a toll-free number and then provide your Health Card Membership number.
     
  2. Complete the cashless request form from the Hospital Insurance Help Desk and have your doctor certify it. 
     
  3. Fax the form and medical records to the TPA. 
     
  4. The TPA reviews the documents, informs hospital decisions and approves cashless payment or requests more documents. 
     
  5. The TPA approves cashless claims and settles the hospital bills directly, but inadmissable expenses remain your responsibility. 
     
  6. If the TPA does not approve the cashless claim, pay the hospital bill and request reimbursement as per policy terms.

                    
 

Documents Required to Buy IFFCO Tokio Health Insurance

  • No documents required

Documents Required for IFFCO Tokio Health Insurance Claim Process

  • A valid identity proof

 

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
Check Premium

Frequently Asked Questions (FAQs)

A.

IFFCO Tokio provides a range of health insurance plans catered to different individual and family requirements, such as individual health plans, family health plans and critical illness plans. For a comprehensive understanding of the coverage and benefits of each plan, it is recommended to visit their website where all the details can be found.

A.

Consider various factors like the ones mentioned below as these are significant elements to consider before making a decision:

  • Coverage: Evaluate the medical expenses covered by the plan such as hospitalization, pre and post-hospitalization costs, daycare procedures and critical illness. 
  • Network hospitals: Consider selecting a plan that offers an extensive network of hospitals in your vicinity to ensure that you have access to cashless hospitalization benefits. 
  • Deductible and co-pay: A deductible is the amount paid by the insured person before the insurance coverage starts. On the other hand, a co-pay is a fixed fee that the insured person is responsible for paying for specific services covered by the insurance plan. 
  • Premium: It refers to the amount of money an individual or business pays for an insurance policy.

A.

Coverage for pre-existing conditions can differ based on the chosen plan, with some offering coverage after a waiting period and others excluding them entirely. It is important to thoroughly review the policy wording or speak with an IFFCO Tokio representative for more specific details.

A.

Some IFFCO Tokio health insurance plans offer maternity benefits, providing coverage for hospitalization, delivery expenses and newborn care. It is essential to review the specific plan details or get in touch with IFFCO Tokio to ensure that these benefits are included in the coverage.

A.

IFFCO Tokio will send you a renewal notice before your policy expires, allowing you to renew online, through their call centre or by contacting your agent.

A.

You can make mid-term changes to your plan, like increasing the sum insured or adding family members, but keep in mind that these changes could impact your premium or renewal terms. For details on modification options for your plans, it is best to get in touch with IFFCO Tokio directly.

A.

You have the option to access the list of network hospitals from the IFFCO Tokio website or through their hospital search tool. If you require any help, you can reach out to their customer service team.

A.

Yes, some insurance plans have limits on the amount they will cover for daily room rent. If you exceed this limit, you may be responsible for paying the additional amount. To find out the specific details of your coverage, refer to your policy wording.

A.

You should reach out to IFFCO Tokio’s TP )Third Party Administrator) promptly to find out if they have cashless tie-up arrangements with hospitals in other cities and to inquire about cashless claim options in your area.

A.

Yes, IFFCO Tokio provides specialized health insurance plans for senior citizens that cater to their specific requirements. These plans are designed to cover hospital expenses and critical illnesses that are commonly associated with older age groups.

A.

Cancellation procedures for insurance plans can vary depending on the specific plan and reason for cancellation. If you need to cancel your policy mid-term, you may be entitled to a partial premium refund. To get more information on the cancellation procedures specific to your IFFCO Tokio plan, contact their customer support.

A.

Yes, during the open enrolment period or under portability provisions, you have the option to transfer your health insurance plan to IFFCO Tokio. With portability, you can move your accumulated benefits to a new plan with IFFCO Tokio without facing a fresh waiting period for pre-existing conditions, depending on the insurer’s guidelines.

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