Swasthya Kavach- Wider (Family Health Insurance) from Iffco Tokio Health Insurance


Entry Age (years)
Minimum: 18
Maximum: 60

Maximum Policy
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


Inpatient Hospitalisation

  • 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.
  1. Year for any type of Carcinoma /Sarcoma /Blood Cancer etc.
  2. 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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