{"id":1587,"date":"2018-02-25T23:42:30","date_gmt":"2018-02-25T18:12:30","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=1587"},"modified":"2018-07-20T13:08:13","modified_gmt":"2018-07-20T07:38:13","slug":"swasthya-kavach-family-health-insurance-policy","status":"publish","type":"page","link":"https:\/\/www.antworksmoney.com\/blog\/swasthya-kavach-family-health-insurance-policy\/","title":{"rendered":"Swasthya Kavach Family Health Insurance Policy"},"content":{"rendered":"

IFFCO Tokio\u2019s Family Health Insurance<\/a> policy (also known as Swasthya Kavach Policy) offers top-of-the-line cover against family health risks and potential financial instability<\/p>\n

Features & Benefits of IFFCO Tokio Swasthya Kavach Policy:<\/h2>\n
\n\n\n\n\n\n
Eligibility and entry age<\/strong><\/td>\n\n
    \n
  • 18 years to 60 years of age of the proposer.<\/li>\n
  • Residents of India from any nationality.<\/li>\n
  • Coverage available for proposer and up to 3 dependents (children, siblings, nephews or nieces between 3 months to 23 years of age).<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Sum insured options and plan options<\/strong><\/td>\nFour floater sum insured options:<\/p>\n
    \n
  • Rs.2,00,000.<\/strong><\/li>\n
  • Rs.3,00,000.<\/strong><\/li>\n
  • Rs.4,00,000.<\/strong><\/li>\n
  • Rs.5,00,000.<\/strong><\/li>\n<\/ul>\n

    Two plans available \u2013\u00a0Base Plan and Wider Plan.<\/strong><\/td>\n<\/tr>\n

Coverage<\/strong><\/p>\n
\n\n\n\n\n\n\n\n\n\n\n\n
Coverage<\/strong><\/td>\nBase Plan<\/strong><\/td>\nWider Plan<\/strong><\/td>\n<\/tr>\n
Room Rent<\/td>\n1% of basic sum insured, daily.<\/td>\n1.5% of basic sum insured, daily.<\/td>\n<\/tr>\n
ICU \/ ITU Rent<\/td>\n2% of basic sum insured, daily.<\/td>\n2.5% of basic sum insured, daily.<\/td>\n<\/tr>\n
Ambulance Charges<\/td>\nUp to Rs.750.<\/td>\nUp to Rs.1,500.<\/td>\n<\/tr>\n
Daily Allowance<\/td>\nRs.150 per day.<\/td>\nRs.250 per day.<\/td>\n<\/tr>\n
Pre and post hospitalization expenses<\/td>\n7% of hospitalization charges, for a maximum of Rs.7,500.<\/td>\nNo limit.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\nBoth the Base Plan and Wider Plan cover:<\/strong><\/p>\n
    \n
  • Domiciliary hospitalization expenses up to a maximum of 20% of the basic sum insured.<\/li>\n
  • Hospitalization expenses of persons donating organs during organ transplant of the insured.<\/li>\n
  • Prescribed package charges of hospitals for specific treatments up to 80% of sum insured or 80% of actual expenses, whichever is less.<\/li>\n
  • Nursing expenses including those which occur during pre and post hospitalization periods.<\/li>\n
  • All types of medical practitioner\u2019s fees.<\/li>\n
  • Cost of blood, medicine, oxygen, anesthesia, diagnostic and pathologic tests, operation theatre charges, dialysis, prosthetic limbs, etc.<\/li>\n
  • Registration, service charges and other hospital charges subject to a maximum of 0.5% of the sum insured.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Benefits<\/strong><\/td>\n\n
    \n
  • No medical check-up required up to the age of 45 years.<\/li>\n
  • Free enhancement of sum insured (cumulative bonus<\/strong>) of 5% is granted per claim free year, upon renewal, up to a maximum of 50%.<\/li>\n
  • Premium depends on the sum insured and the plan opted for, number of family members and age of the eldest insured person.<\/li>\n
  • Optional\u00a0critical illness extension<\/strong>\u00a0can be taken on the\u00a0Wider Plan<\/strong>\u00a0– this pays out\u00a0double\u00a0<\/strong>the sum insured on diagnosis on 10 predetermined\u00a0critical illnesses, for an extra 30% on premium.<\/strong><\/li>\n
  • Special discount for IFFCO Tokio Motor Two Wheeler policyholders. Discount also available if the insured person is already insured under an IFFCO Tokio group policy.<\/li>\n
  • No \u201cexcess\u201d or \u201cco-op pay\u201d under the policy and the full eligible claim is paid without any deductions (except if mentioned under exclusions).<\/li>\n
  • All claims processing handled in-house.<\/li>\n
  • 24×7 call centre facility for easy claims processing.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Tax Benefit<\/strong><\/td>\nIncome tax benefits under Section 80D of the Income Tax Act, 1961.<\/td>\n<\/tr>\n
Exclusions<\/strong><\/td>\nTreatment arising from or traceable to:<\/strong><\/p>\n