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Iffco Tokio Swasthya Kavach- Wider (Family Health Insurance)

Entry Age (years)  
Minimum 18
Maximum 60
Maximum Policy Renewal Age (years) 80
Coverage Type Family floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 2 lakh
Policy Term (years) 1
No Claim Bonus 5% of Sum Insured for each claim free till it reaches 50% of sum insured with 'Wider Plan' only
Customer Service  
Address Corporate Office:
4th & 5th Floors
Plot No.3, Sector 29
Haryana (India)
Mail to [email protected]
Call to 1800-103-5499(toll free) or 0124-4285499
SMS CLAIM' to 56677
Network Hospitals Https://
Scope Of Cover
Cashless facilityavailable if taken in a network hospital
Reimbursement facilityavailable if treatment taken in non-network hospital
Pre hospitalisation expensescovers expenses upto 30 days prior to admission to hospital
Post hospitalisation expensescovers expenses upto 60 days after discharge from hsopital
Inpatient Hospitalisation
Room expense and boardingcovered upto 1.5%(2.5% for ICU expense) of sum insured per day
Day Care Procedures121 such procedures are covered
Hospital Daily AllowanceRs 250 per day
Local ambulance servicesupto Rs 1500
General Health Check-upcovered upto 1% of sum insured payable once after 4 consecutive claim free years
Sub-limit on cover for certain illnesses such as cataract, hernia, knee joint etc.Not applicable
Additional benefits (requires payment of extra premium)
Critical Illness Benefitavailable on payment of extra premium. Covers 10 critical illnesses
Emergency Assistance servicesprovides medical consultation, emergency medical evacuation, care for minor children etc in case of emergency
Exclusions and Waiting Period
Pre-existing diseasescovered after 4 continuous policy renewal
No claim period30 days commencing from issue date of the policy
Waiting periodcovered since inception date of the policy.1 year for any type of Carcinoma /Sarcoma /Blood Cancer etc.2 years for cataract, hernia, piles, sinusitis etc.
Other exclusionsnaturopathy or other non-allopathic treatmentsOut patient treatment, AIDS or related conditions