Swasthya Kavach- Wider (Family Health Insurance) from Iffco Tokio Health Insurance
Entry Age (years)
Renewal Age (years): 80
Coverage Type Family floater
Policy Term (years): 1
Sum Insured (Rs)
Maximum: 5 lakh
Minimum: 2 lakh
No Claim Bonus 5% of Sum Insured for each claim free till it reaches 50% of sum insured with ‘Wider Plan’ only
Scope of Cover
- Cashless facility: Available if taken in a network hospital
- Reimbursement facility: Available if treatment taken in non-network hospital
- Pre hospitalisation covers expenses: Up to 30 days expenses prior to admission to hospital
- Post hospitalisation covers expenses: Up to 60 days expenses after discharge from hospital
- Room expense and covered upto 1.5%(2.5% for ICU boarding expense) of sum insured per day
- Day Care Procedures 121 such procedures are covered
- Hospital Daily Allowance Rs 250 per day
- Local ambulance services upto Rs 1500
- General Health Check-up covered 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. is not applicable
Additional benefits (requires payment of extra premium)
- Critical Illness Benefit available on payment of extra premium: Covers 10 critical illnesses
- Emergency Assistance provides medical consultation, services emergency medical evacuation, care for minor children etc in case of emergency
Exclusions and Waiting Period
- Pre-existing diseases covered after 4 continuous policy renewal
- No claim period 30 days commencing from issue date of the policy
- Waiting period covered since inception date of the policy.
- Year for any type of Carcinoma /Sarcoma /Blood Cancer etc.
- Years for cataract, hernia, piles, sinusitis etc.
Other exclusions naturopathy or other non-allopathic treatments Out patient treatment, AIDS or related conditions.
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